What is Fire Consequential Loss insurance?

It is a policy that complements your Fire Insurance policy. It ensures coverage for

  • loss of profit
  • 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

Key coverage

The following information below are an overview of what's covered.

Fire Consequential Loss

Fire Consequential Loss

  • Loss of Gross Profit (Difference Basis or Addition Basis cover)
  • Loss of Gross Revenue
  • Loss of Gross Rental
  • Standing Charges only
  • Wages (Dual Basis or 100% or Pro-rate)
  • Wages and Salaries on Payroll Basis
  • Increased Cost of Working only

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

How much is my premium?

Your premium may vary, depending on

  • Cover selected
  • Coverage amount
  • Our underwriting requirements

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What we don’t cover

  • Losses:
    • by  extraordinary events during an interruption
    • by restrictions imposed by authorities on the reconstruction or operation of the business
    • due to insufficient capital for timely restoration or replacement of property destroyed, damaged or lost
    • due to burning of property by order of any Public Authority
  • Subterranean fire
  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Date recognition
  • Property damage to data or software
This list is non-exhaustive. Please refer to the sample 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 30 June 2012.

Note: You must ensure that your property is insured at the appropriate amount. You should read and understand the insurance policy and discuss it with your agent. Or, feel free to contact us directly for more information.