Condo, Apartment, Highrise Risk (共管式公寓,公寓及商业大厦保险)

FIRE INSURANCE FOR STRATA-TITLED PROPERTIES

BASIC COVER
 
The basic fire policy protects the Insured against loss or damage to the property describe in the policy schedule, depending on the coverage selected. The types of coverage available are:
 
Basic Cover
Indemnifies the Insured against legal liability arising from both bodily injury and property damage to third party.
 
Perils Available
Provides cover as in "Additional Perils", extend to cover damage resulting from Aircraft Damage, Bustling of Water Tanks, Apparatus and Pipes, Earthquake & Volcanic Eruption, Explosion, Impact Damage , Subsidence & Landslip, Storm & Tempest, etc.
 
Comprehensive Cover
Provides covers as in "Fire & Perils", Money, Theft, Fidelity Guarantee, Public Liability, Management Liability (Error & Omission) plus optional Professional Indemnity following an incident, accident or an event of loss.

The SPA Difference

  • Loss prevention and claims advocacy
  • Customized and proactive response to service your needs
  • Strategic underwriting partnership with insurer and re-insurance facilities
  • Independent agent with access to specialty resources
  • Customized programs for general liability, excess liability and special property coverages

Customized Insurance Program
SPA delivers a comprehensive, customized insurance and risk management program designed to protect your assets, achieve operational efficiencies and attain your goals, because we have specialists in the following areas:
Program design
Risk transfer
Loss control
Claims management
Information Technology
While financing, ownership structures and management methods in the industry may change, the fundamental risk management issues remain the same. We understand the issues that focus on reducing the administrative burden and net cost of risk management efforts, among them:
Evidence of insurance issuance
Split billing for tenants or locations
Lease/contract review of insurance provisions

We tailor programs to fit your evolving needs.


Products and Services


Risk Consulting
To offer consulting services specifically designed for common interest properties.

Online Technology
Clients have access to our online Certificate of Insurance request center.

Excess Liability
Our specialized excess liability program offers broad coverage and high limits.

Directors & Officers Liability
We develop directors and officers programs customized for common interest communities.

Specialty Property Coverages
Our property programs are designed to meet association and statutory requirements.

Integrated Solution
We design an integrated program of sophisticated products and services to provide you with a complete management liability solution.














































































SPA & Associates

Building world's tallest building in 7 months

How to Put Out a Grease Fire

Incident Report Form

Hit Counter

地层题为财产火灾保险


建筑和公共财产(维修及管理)法令2007(以下简称“法案”663)生效,2007年4月12日在马来西亚半岛。
 
该法第8条,其中规定列举的权力和职责的JMB
 
8。(1)(c)在投保并保持建筑物免受火灾及其他风险管理机构可能决定建筑物的重置价值保险;
8。 (1)(d)在申请保险管理机构收到的款项就损坏的建筑,建筑的重建和恢复;
8。 (3)管理机构应被视为
(a)根据第(1)影响任何保险的目的(c),等于其重置价值或价值管理机构决定建设具有保险利益;
(b)就根据第 (1)(d)影响任何保险的目的,保险标的物具有保险利益。
 
 
解释:
联合管理机构必须投保以下保险:
 
1。消防和所有危险保险(最低危险,塌陷及山泥倾泻,防暴打击恶意伤害和破裂溢出水)
 
大厦 - 对于所有的单位是单独自己,包括所有的共同财产。
在这种情况下,买方与银行贷款,买方需要额外购买保险,并可以使用单独的“保险证书”,从主政策发行。
它应包括以下条款: -
  • 重置价值(认可的工料测量师的估值报告,至少在5年一次)
  • 清理废物
  • 建筑师和测量师费
  • 租条款
 
2。公众责任保险
法律责任支付赔偿金为意外受伤或意外损坏的财产使用的建筑物的共同财产来访。
 
在第4节建立一个联合管理机构
(2)第(1)建立了管理机构应是法人团体,具有永久的继承和印鉴。
(3)管理机构可在其名称中起诉和被起诉。
(4)管理机构应包括开发商和购买者。
 
解读:
 
与JMB是一个管理机构,企业自愿,现在可以由买方起诉失职委员。一个错误,遗漏或专业责任政策保护个别委员会的个人责任。
 
 
3。误差与遗漏或职业责任保险
 
保险公司将支付上代表任何被保造成的所有损害被保义务的任何违反任何索偿。
 
注:该政策应该放在刚形成后的联合管理机构。
  
分契业权的风险解决方案:
 
产品提供:
  • 火灾保险
  • 消防间接损失
  • 所有的风险保险
  • 犯罪保险(爆窃和金钱)
  • 平板玻璃保险
  • 机器损坏保险
  • 公众责任保险
  • 物业恐怖主义
  • 误差与遗漏或专业弥偿联合管理机构(JMB)或管理公司(MC)
 

最常见的问题解答(FAQ)马来西亚普通保险协会)

我们明白保护您的财产的重要性。无论你是一个共管,合作或房主协会,我们的团队知道在确保和维持一个全面的挑战,成本有效的保险方案。
  
我们开发定制各种规模和复杂性,投资组合风险管理解决方案。我们的专家工作进行了广泛的:
  • *业主
  • *物业管理
  • *房地产开发商
  • *设施管理  
我们提供的综合财产保险和风险管理服务,包括各种协会文件审查保险条款和解释新法例,以及确保您的程序是否符合所有的新规定。我们还为居民提供生活和人身保险和伤残保险。
 

我们的差异

  • *防损和索赔宣传
  • *个性化服务,积极回应您的需求
  • *战略与保险公司和再保险承保的伙伴关系设施
  • *独立代理人可以访问专业资源
  • *一般责任,赔偿责任和过剩的特殊属性 覆盖范围定制方案
 
定制保险计划
 
我们提供了一个全面的,定制的保险和风险管理方案,旨在保护您的资产,提高运行效率,实现自己的目标,因为我们在以下领域的专家:

  • *程序设计
  • *风险转移
  • *损失控制
  • *索赔管理
  • *资讯科技
而金融,所有制结构和行业管理方法可能改变,最根本的风险管理问题是一样的。我们理解的问题,重点是减少行政负担和风险管理工作的净成本,其中有:
  • *保险证发放
  • *为租户或地点拆分帐单
  • *租赁/合同审查保险条款
 
我们量身定制的方案以满足您不断变化的需求。
 
产品与服务
 
风险咨询
为了提供专门设计的共同利益物业咨询服务。
 
网上技术
我们的客户能够获得保险要求中心在线证书。
 
超额责任
我们的专业超额责任计划提供广泛的覆盖和高限。
 
董事及高级管理人员责任
我们开发的董事及高级职员的共同利益共同体方案定制。
 
专业物业夜光全景
我们的地产计划旨在满足协会及法定要求。
 
综合解决方案
我们设计了很多先进的产品和服务的综合方案提供了一个完整的管理责任的解决方案。
 






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Property One Flexi Proposal Form on SPA Property Plus enhanced on benefits with interactive filling   Nov 24, 2012, 3:36 AM Simon Poon
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  Jan 20, 2013, 5:26 PM Simon Poon
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Insurance claims are not just for fire damage, smoke damage can be covered also under perils extension.   Oct 10, 2009, 12:11 AM Simon Poon
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I have this situation.. my condo building management is asking to pay for the fire insurance yearly where they have include under my building maintenance bill.. if my bank loan already covered with fire insurance.. but the building management insist me to pay for the fire insurance which they engaged with and i should pay it yearly to them.. At this point, can i make a choice either to choose any 1 of the insurance and at this case if i would only want to stick with the bank loan fire insurance..? - meaning i don't want to pay to the building management for their fire insurance.. ~ any act i could refer to?  Feb 16, 2010, 11:13 AM Simon Poon
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Part VIII-INSURANCES :- 93.Duty to insure buildings94. Amount to be insured 95. Insurance where area cannot be separated from main premisesof building 96. Insurance where area can be separated from main premises of building 97.Land parcels 98. Other insurances 99. Other insurances 100. Obligation to rebuild   Apr 28, 2013, 12:12 PM Simon Poon
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Building and Common Property (Maintenance and Management) Act 2007. DALAM MAHKAMAH TINGGI MALAYA DI KUALA LUMPURDALAM WILAYAH PERSEKUTUANGUAMAN SIVIL NO. S-23NCVC-23-2011ANTARAUNITED HIGHLANDS SDN BHD - PLAINTIFFDAN1. KWOK SWEE FONG2. SELESA HILLHOMES JOINT MANAGEMENTBODY - DEFENDANDEFENDANGROUNDS OF JUDGMENTThis is a decision after full trial. The cause of action against the Defendants are for alleged defamatory statements which was contained in a letter addressed to United Highlands Sdn Bhd, the Plaintiff and Selesa Hillhomes Services Sdn Bhd and copied to Selesa Health Farm Berhad.  Nov 13, 2012, 2:59 PM Simon Poon
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LAW & REALTY: Problems faced by owners of strata title properties PDF Print E-mail Friday, 23 March 2007 06:52am Law & Realty©The Sun (Used by permission) by Nicole Tan and Sumathi Murugiah Lately, the authorities have insisted that the current year’s quit rent for the master title must be paid before the authorities will accept for registration any instrument of dealing relating to a parcel.  Feb 16, 2010, 11:46 AM Simon Poon
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Transfer ownership of strata titles or be finedPosted Date: Jun 23, 2007By: The National House Buyers Association (HBA)   Oct 30, 2010, 1:25 AM Simon Poon
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