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miscellaneous (crop policy (additional peril (animal damage, windstrom,…
miscellaneous
crop policy
what it is?
crop policy is purchase by agriculture producers, including farmers, and others to protect themselves against either the loss of their crops due to natural disaster, such as hail, drought, and floods
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additional peril
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riot, strike, malicious damage
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the basic rates for fire & lighting will apply to risk with aggregate sum insured on estates under one ownership or management under one policy of below RM 10 million subject to the following increased rates for
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theft insurance
what it is
policy covers the insured against loss or damage to the insured property consequent upon actual, forcible or violent entry into/exist from the promises, or damage to insured property or to the promises as a result of theft or any attempt threat including armed robbery/hold-up
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money policy**
scope of cover
money transit
monies in the personal custody of the insured's authorized employees whilst in direct transit between the premises and bank or post office including money drawn as wages and salaries from the time of receipt until paid out
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additional cover
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riot, strike and civil commotion
excusion
1)shortage due to error or omission or resulting from clerical or accounting errors and loss due to errors in receiving or paying out and/ or loss due to mysterious disappearance.
2)loss or damage by or through the collusion of or the fraudulent embezzlement by or the fraudulent misappropriation by the insured or any person or person in the service of the insured
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4)any loss occurring when the premises are closed unless the money are in a locked safe or locked strongroom
any loss or damage occasioanal by or trough or in conseuence, directly or indirectly, of following occurances, namely
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what it is
designed to cover organizations individual that handle and transact cash in large volume against loss of own-money or money for which the insured is responsible
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