Asuransi Business Guard

Business Guard Insurance

Protect your business, today and for the future.

 

Product Benefit

Business Guard is an insurance product designed for business such as shops, lodging, health facilities, offices, restaurants, and educational facilities. The insured value can reach up to IDR20 billion.

Business Guard is also offered with coverage extension for your business, which can be tailored to your needs. The coverage can help you protect your business from unexpected risks and maintain stability for your business. Receive maximum protection with affordable premiums.

 

Product Excellence

Coverage Extension from Business Guard:

  1. Property insurance, which covers the risk of fire, lightning strike, smoke, explosion, crash, theft, riots, strikes, misconduct
  2. Engine damage
  3. Money
  4. Freight
  5. Legal liabilities
  6. Group personal accident
  7. Employee dishonesty

Business insurance packages that suit your needs

Business Guard Insurance offers three choices of packages: Silver Package, Gold Package, and Platinum Package.

 

Your business sustainability is a priority. To ensure sustainability of your business and growth, protect your business with Business Guard insurance from Zurich, with the following benefits:

Guaranteed risk Percentage of total sum insured
Silver Gold Platinum
Fires 100% 100% 100%
Lightning Strikes 100% 100% 100%
Smoke 100% 100% 100%
Explosions 100% 100% 100%
Crash 100% 100% 100%
Riots, turmoils, strikes, and misconduct 100% 100% 100%
Theft 100% 100% 100%
Broken pipe x 100% 100%
Automatic extinguishing pipe leakage x 5% max 50 million 5% max 50 million
Storm x 100% 100%
Flood x 100% 100%
Engine damage and boiler explosion 100% 10% max 25 million 10% max 100 million
Unexpected damage x 100% 100%
Quality degradation in inventory x X 10% max 25
Landslides and subsidence x X 100%
Earthquake, volcanic eruption or tsunami x X 100%

 

Additional coverage Packages
Silver Gold Platinum
Money in facilities

 

x IDR 20.000.000 IDR 50.000.000
Money in delivery x IDR 5 million SP, IDR 10 million* IDR 10 million SP, IDR 30 million*
Property during exhibition x IDR 25 million IDR 50 million
Inventory transportation x x IDR 5 million SP, IDR 20 million SM
New facilities x x 25% from total UP maximum IDR bilion
Acquired company x x 25% from total UP maximum IDR billion
Seasonal increase x 25% 35%
Brand protection x covered covered
Business continuity benefit x x 500.000 per day, maximum 90 days
Temporary stay accommodation x x 350.000 per day, maximum 90 days
Garden x IDR 15.000.000 IDR 25.000.000
Moving goods x IDR 15.000.000 IDR 25.000.000
Transport of documents x x IDR 5 million SP, IDR 25 million SM
Legal liability IDR 50 million IDR 100 million IDR 250 million

Business Guard also offers a variety of features included in the three packages, including:

  1. Group Personal Accident
  2. Provides reimbursement to you and or your employees in occasions of death, permanent disability, or medical treatment that incurs medical expenses.

  3. Legal Liabilities to Employees
  4. Provides reimbursement for lawsuits that require you to pay compensation, costs, and expenses for bodily injury (due to accident or illness) to your employees.

  5. Employee Dishonesty
  6. Provide reimbursement for money or property lost as a direct result of the dishonesty of your employees.

  1. The value of the buildings refers to reinstatement value, which is the rebuilding expenses immediately before the loss happens
  2. The building is not located in a fire-prone location, such as a dense area, inaccessible by fire trucks, and wooden structures around.
  3. The location is not within the market risk.

Call us 24 Hours

Zurich Care Call Center

Telephone: 1500-456

WhatsApp 24 Hours

Chat with the Zurich Care:

+62812-111-3456

Email

Tell us your problem and the chronology and get solution at: zurichcare.general@zurich.co.id

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