What is Biz-Pack Partner insurance?

It is a comprehensive package plan which covers various aspects of your business, protecting all the hard work and investment you've put in.

The package offers multiple benefits.

  • Protection from 9 potential elements that can disrupt or damage your business
  • Peace of mind at affordable rates
  • Flexibility to select the sum insured to match your needs


  • Biz-Pack Partner Office & Services
  • Biz-Pack Partner Retail
  • Biz-Pack Partner Food & Beverage
  • Biz-Pack Partner Beauty & Wellness
  • Biz-Pack Partner Budget Hotel/Homestay

Key coverage

Here is an overview of your coverage

Compulsory Cover

Compulsory Cover

1. Fire and Special Perils
Covers loss or damage to your property caused by fire or lightning. For an additional premium, you can extend coverage to these risks.

  • Aircraft damage
  • Earthquake and volcanic eruption
  • Storm/tempest
  • Flood
  • Explosion (Non-industrial without boilers)
  • Impact damage (Including your own vehicle)
  • Bursting or overflowing of pipes
  • Riot, strike and malicious damage
  • Sprinkler leakage

2. Burglary
Covers property that belongs to you or is held by you in trust or on commission, against

  • Loss by theft resulting from forcible and violent entry
  • Any attempt thereat including Armed Robbery and Hold-up

3. Money
Covers money that is

  • Lost
  • Destroyed
  • Damaged 

whilst in transit or kept in your premises as stated in the Policy Schedule

4. Glass
Indemnifies you if glass at insured premises is broken by fracture through its entire thickness - as a result of any accident or misfortune not otherwise excluded.

5. Public Liability
Indemnifies you against all sums you can be liable to pay compensation for

  • Bodily injury to or illness of Third party
  • Loss or damage to property within the premises 

resulting from an accident as described in the Policy Schedule

6. Employers’ Liability
Indemnifies you against liability at law to pay compensation to your employees, This includes

  • Costs and expenses in respect of accidental bodily injury
  • Diseases arising out of and in the course of employment

In addition, with our written consent, we shall pay for all costs and expenses incurred in defending any claim.

7. Group Personal Accident
Compensates you for your employees bodily injury caused by accidental means which

  • Injury shall solely and independemtly of any other cause result in death or permanent disablement and/or
  • Necessitate medical and/or surgery treatment

On top of that, we will pay funeral expenses in the event of accidental death of your employees.

Optional Cover

Optional Cover

8. All Risks
Covers loss or damage to your property caused by

  • Fire
  • Theft
  • Any other accident or misfortune stated in the Policy Schedule

9. Fire Consequential Loss
Covers you against

  • Loss of profits, revenue, rental, standing charges, wages or salaries on payroll basis
  • Increase in cost of working due to business interruption as a result of fire and/or other extended perils

You may select to insure any of the following

  • Loss of Gross Profit (Difference Basis or Addition Basis cover)
  • Loss of Gross Revenue
  • Loss of Gross Rental
  • Standing Charges only

In addition, you may insure Auditors’ Fees as an additional item under this policy.

How much is my premium?

Your premium may vary depending on the plan you select.

Download our brochures under the Product Literature

Building Cost Calculator (BCC)

The calculator is a guide only to assist you in determining the estimated sums to be insured for residential properties, simple shop house and shop office and is not a substitute for professional advice to be obtained.

Before using the calculator, kindly note the following: 

  1. if any renovations have been made to your property, you are advised to indicate the amount (cost of renovation) in the box provided in the BCC.
  2. if your property has unique or special design features and/or have extensive renovations and/or have complex structures affixed, you are advised to obtain professional advice for a more accurate assessment of your property.

To access to the BCC, kindly click on the following selection:

Get it now

What we don't cover

  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Date recognition
  • Property damage to data or software
  • The ‘Liability to the Public’ section does not cover any asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos
This list is non-exhaustive. Please refer to policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan.

The information shown here is for reference only and is accurate as at 1 July 2015.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.