SME / SMI - Ace Industrial Guard (安達保險工业卫队)







Focused on small-to-medium enterprise, this product has been tailored to meet the specific needs of industrial businesses which require broader or business coverage. 
It caters to businesses with multiple locations and can also be pre-underwritten.

The scope of cover includes loss or damage arising from fire, lightning and domestic gas explosion, with selected additional
perils (allowable extension coverage) such as Aircraft Damage,  Earthquake & Volcanic Eruption,  Impact Damage,  Storm, Tempest,  Sprinkler Leakage (Building), Sprinkler Leakage (Contents),  Flood, Subsidence & Landslip, Electrical Installations Clause (B) – on Machinery, Equipment & Electrical Installations only.

Beside the fire & perils coverage, small medium Industry will also face other risk such as Fire consequential Loss of Profit to reinstate business as soon as possible.

Burglary/Theft risk can be include in this policy as optional benefit with first (1st) loss on sum insured selected as RM50,000 , RM100,000 and RM200,000 to suit individual business risk exposures with minimal rate as low as 0.75
(Burglar Alarm warranty applies for Sum Insured 
 above RM 50,000)

All risk cover are readily available as an option in the exposure of certain expensive machinery, equipments, which are not suitable for fire & burglary insurance cover as some accidental exposure limitation from the policy coverage limitations.

Money insurance is another area that this package policy can cater for business with the following situation:-
Money kept
(i) Inside premises during business hours         
(ii) Inside premises after business hours kept in locked 
     safe    
(iii) Inside premises after business hours  (locked 
      drawer/locked steel cabinet/locked cash register)  
(iv) In transit outside premises  (from insured premises to 
      Bank & vice versa) 

Plate Glass and Signboard Insurance
On Plate Glass and Signboards up to Sum Insured selectively as RM5,000 , RM 10,000 or RM15,000.

Public Liability
 (Excess:RM500 on third party property damage loss only) 

Fidelity Guarantee (Maximum 30 Employees) On 30 employees of the Insured Excess: RM 250 each and every loss 

Employer’s Liability (Maximum 30 Employees) On 30 employees of the Insured  

Goods-in-Transit
 On the Insured property whilst in transit (Maximum Limit Per Carrying RM 500,000
Description of Goods: 
Estimated Annual Carrying: 
Money kept
(i) Inside premises during business hours         
(ii) Inside premises after business hours kept in locked 
     safe    
(iii) Inside premises after business hours  (locked 
      drawer/locked steel cabinet/locked cash register)  
(iv) In transit outside premises  (from insured premises to 
      Bank & vice versa) 

Plate Glass and Signboard Insurance
On Plate Glass and Signboards up to Sum Insured selectively as RM5,000 , RM 10,000 or RM15,000.

Public Liability
 (Excess:RM500 on third party property damage loss only) 

Fidelity Guarantee (Maximum 30 Employees) On 30 employees of the Insured Excess: RM 250 each and every loss 

Employer’s Liability (Maximum 30 Employees) On 30 employees of the Insured  

Goods-in-Transit
 On the Insured property whilst in transit (Maximum Limit Per Carrying RM 500,000
Description of Goods: 
Estimated Annual Carrying:
(ii) Inside premises after business hours kept in locked
     safe   
(iii) Inside premises after business hours  (locked
      drawer/locked steel cabinet/locked cash register) 
(iv) In transit outside premises  (from insured premises to
      Bank & vice versa)

Plate Glass and Signboard Insurance
On Plate Glass and Signboards up to Sum Insured selectively as RM5,000 , RM 10,000 or RM15,000.

Public Liability (Excess:RM500 on third party property damage loss only)

Fidelity Guarantee (Maximum 30 Employees) On 30 employees of the Insured Excess: RM 250 each and every loss

Employer’s Liability (Maximum 30 Employees) On 30 employees of the Insured 

Goods-in-Transit On the Insured property whilst in transit (Maximum Limit Per Carrying RM 500,000)
Description of Goods:
Estimated Annual Carrying:

TRADE OCCUPATION (Preferred Class)
The Trade/Occupation listed below is the preferred risks that ACE SME Industrial Guard would be able to offer on the given cover, rates as indicated below. 
Any other Trade /Occupation that does not fall within this listing, ACE will be pleased to look at the risk on an accommodative basis.

PIAM    Occupation
Code      C1A C1
            Food Processing Industries
1502 Dairy produce manufacture
1508 Sago, tapioca and starch factories
1512 Bakeries, biscuit, confectionery and candy 
          manufacture
1514 Meehoon, noodles and related products 
1516 Sauce and pickle factories 
        
            Beverages
1602 Distilleries 
1604 Breweries including blending 
1606 Bottled/packed drinking water and soft drink manufacture

            Metal Working; Engineering
2702 Smelting Works and Foundries
2703 Rolling Mills and Structural Metal works
2704 Wire & cable manufacture :- (a) not insulated
2710 Wire & cable manufacture :- (b) insulated
2706 Treatment of metal products; Electroplating
2722 Metal cans and containers manufacture
2724 Metal screws and nails manufacture
2726 Metal products manufacture not otherwise classified
2755 Engineering premises, Blacksmith (general metal 
          works)
2728 Battery manufacture
2716 Manufacture/assembly of motor vehicles and
          motorcycles, bicycles, trishaws & vehicle spare parts
2720 Manufacture/assembly of mechanical plant,
machinery, tools, equipment & appliances including boilers, turbines, engines, pumps, centrifugal separators, etc.

            Non-Metallic Minerals
            Non-Metallic Minerals
2602 Pottery works, tiles, bricks, china, earthenware
          manufacture
2604 Sheet and plate glass manufacture
2606 Glass bottle manufacture
2608 Optical Instrument and lens manufacture
2610 Cement / concrete products manufacture
2614 Other non-metallic mineral products manufacture not mention








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Interactive document enabling fill-up (ACE Business Guard Proposal Form). Return to us for underwriting / quotation by feeding information clicking selective addition coverage under ACE Business Guard application for insurance quote.    Nov 20, 2012, 1:47 PM Simon Poon
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View Click underlined link on the Left for link to the document and then fill-up (ACE Commercial Guard Proposal Form). Return to us for underwriting / quotation by feeding information clicking selective addition coverage under ACE Commercial Guard application for insurance quote.   474k v. 7 Nov 20, 2012, 2:18 PM Simon Poon
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Click underlined link on the Left for link to the document and then fill-up (ACE Commercial Guard Proposal Form). Return to us for underwriting / quotation by feeding information clicking selective addition coverage under ACE Commercial Guard application for insurance quote.  Nov 22, 2009, 8:52 AM Simon Poon
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View Click underlined link on the Left for link to the document and then fill-up (ACE Industrial Guard Proposal Form). Industrial Risk Business Interactive Proposal Form for ease of premium calculation when feeding  Nov 22, 2009, 8:52 AM Simon Poon
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Act 139 FACTORIES AND MACHINERY ACT 1967 Incorporating all amendments up to 1 January 2006 PUBLISHED BY THE COMMISSIONER OF LAW REVISION, MALAYSIA UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968 IN COLLABORATION WITH PERCETAKAN NASIONAL MALAYSIA BHD 2006  Nov 24, 2009, 10:16 PM Simon Poon
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INDUSTRIAL CO-ORDINATION ACT 1975 Incorporating all amendments up to 1 January 2006PUBLISHED BY THE COMMISSIONER OF LAW REVISION, MALAYSIA UNDER THE AUTHORITY OF THE REVISION OF LAWS ACT 1968 IN COLLABORATION WITH PERCETAKAN NASIONAL MALAYSIA BHD 2006  Nov 24, 2009, 10:43 PM Simon Poon
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