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:
- Property insurance, which covers the risk of fire, lightning strike, smoke, explosion, crash, theft, riots, strikes, misconduct
- Engine damage
- Money
- Freight
- Legal liabilities
- Group personal accident
- 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:
- Group Personal Accident
- Legal Liabilities to Employees
- Employee Dishonesty
Provides reimbursement to you and or your employees in occasions of death, permanent disability, or medical treatment that incurs medical expenses.
Provides reimbursement for lawsuits that require you to pay compensation, costs, and expenses for bodily injury (due to accident or illness) to your employees.
Provide reimbursement for money or property lost as a direct result of the dishonesty of your employees.
- The value of the buildings refers to reinstatement value, which is the rebuilding expenses immediately before the loss happens
- The building is not located in a fire-prone location, such as a dense area, inaccessible by fire trucks, and wooden structures around.
- 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:
Tell us your problem and the chronology and get solution at: zurichcare.general@zurich.co.id
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