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SME Easy
- Provides comprehensive business protection that can be tailored to your insurance needs.
Key features
Protect your SME business for up to 50 million Baht.
Customise your own coverage to cater to your insurance needs.
Full cover for windstorm, earthquake and hail.
Flood cover up to 100,000 Baht.
Covers third party liability up to 5,000,000 Baht.
Plan details
- Covers loss of income as a consequence of damage to property insured for up to 10% of claim amount.
- Covers loss of or damage to property insured arising from theft with forcible entry to or exit from insured building for up to 1,000,000 Baht.
- Compensation for accidental death of the insured within the insured premises from the perils covered.
- Covers loss of money inside the insured premises caused by burglary and robbery for up to 500,000 Baht.
| Coverage | Standard Plan | Build Your Own | |
|---|---|---|---|
| Sum Insured/Limit of Liability (Baht) | Maximum Sum Insured/Limit of Liabiltiy (Baht) | Premium (Baht) | |
1. Fire & Additional Perils |
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| Fire, Lightning, Explosion of Gas (used for domestic purposes only) | 500,000 | Up to sum insured, max 50,000,000 | - |
| Explosion | |||
| Water Damage (excluding Flood) | |||
| Vehicle Impact | |||
| Aircraft Impact | |||
| Windstorm | |||
| Earthquake, Volcanic Eruption, Tidal Wave, or Tsunami | |||
| Smoke | |||
| Hail | |||
| Electrical Installation | 100,000 per occurrence and in aggregate | 500,000 per occurrence and in aggregate | 250 for each sub limit of 50,000 |
| Flood | 20,000 per occurrence and in aggregate | 100,000 (except Flood Prone Areas*) | 100 for each sub limit of 10,000 |
| Riot, Strike, Malicious Acts | 100,000 per occurrence and in aggregate | Up to sum insured, max 30,000,000 per occurrence and in aggregate | 25 for each limit of 100,000 |
2. Loss of income |
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| Loss of income in consequence of the damage to the property insured arising from a loss under Section 1. | Not exceeding 10% of claim amount | - | - |
3. Burglary |
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| Burglary, Robbery and Theft with actual forcible violent entry into or exit from the insured building, including damage to the building structure containing the property insured. | 100,000 per occurrence and 1,000,000 in aggregate | 500,000 per occurrence and 1,000,000 in aggregate | 250 for each limit of 50,000 |
4. Compensation for Accidental Death of the insured within the insured premises resulting from an event in Coverage Sections 1 & 3 |
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| Compensation for Accidental Death of the insured within the insured premises resulting from an event in Coverage Sections 1 & 3 | 100,000 | - | - |
5. Money |
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| Loss of Money inside the insured premises during business hours caused by robbery or gang-robbery (M.1) | 200,000 per occurrence and in aggregate | 500,000 per occurrence and in aggregate | 250 for each limit of 50,000 |
6. Plate Glass |
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| Accidental Breakage of Plate Glass including frame and its decoration (not including glass shelf or glass furniture). | 100,000 per occurrence and in aggregate | 500,000 per occurrence and in aggregate | 250 for each sub limit of 50,000 |
7. (Public Liability Insurance (within insured location)) |
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| Compensation on behalf of the insured for loss or damage occurring to a third party to whom the insured is legally liable as a result of an accident arising from the operations of or in connection with the insured business. | 500,000 per occurrence and 1,500,000 in aggregate | 5,000,000 per occurrence and in aggregate | 200 for each sub limit of 100,000 |
8. Other Special Clauses |
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| Debris Removal | 10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | - | |
| Fire Extinguishing Expenses | 10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | ||
| Professional Fees | 10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | ||
| Personal Effects | 5,000 per person, 100,000 per occurrence and in aggregate | ||
Select plans to compare
*Flood Prone Area means
1) Risks located in Phra Nakhon Si Ayudhya
2) Risks located in areas flooded in the 2011 flood event
3) Risk location with flood damages during the past 5 years
Insurance Conditions
- This package applies to Construction Class 1 (Massive) only.
- The premises must not be located in a "dangerous zone" as annouced declared by the Office of the Insurance Commission.
The SME Easy Plan is available for 3 groups of businesses:
- Shop & Beauty
- Servicing Business
- Food & Beverage
| SME Group | Occupancy |
|---|---|
Shop & Beauty |
CD/DVD Rental Shop |
| Flower Shop | |
| Camera Shop | |
| Machine Shop | |
| Small Supermarket/Minimart | |
| Grocery Shop | |
| Weighing Machine Shop | |
| Home Furniture Shop | |
| Electrical Appliance Shop | |
| Musical Instrument Shop | |
| Motor Battery Shop | |
| Construction Materials Shop, excluding Wood Suppliers | |
| Ice Maker Shop | |
| Toy Shop | |
| Sanitary Ware Shop | |
| Plastic Utensil Shop | |
| Leather Goods and Shoes Shop | |
| Home Lighting Shop | |
| Vegetable and Fruit Shop | |
| Clothing Shop | |
| Book Shop | |
| Drug Store | |
| Retail Shop | |
| Glasses Shop | |
| Bag/Luggage Shop | |
| Feed Shop | |
| Fresh Food and Frozen Food Shop | |
| Computer Shop | |
| Games Shop | |
| Watch Shop | |
| Metal Equipment Shop | |
| Bike/Motorcycle Shop | |
| Religious Supplies Shop | |
| Sports Shop | |
| Stationery Shop | |
| Shop in Department Store or Shopping Complex | |
| Photocopy Shop | |
| Beauty or Hair Salon | |
| Nail Salon | |
| Spa/Massage | |
| Pawn Shop | |
| Clothing Repair shop | |
| Car Care | |
| Laundry Service Shop | |
| Hotel | |
| Electrical Appliance Repair Shop | |
| Photo Shop/Studio | |
Servicing Business |
Clinic |
| Dental Clinic | |
| Beauty Clinic | |
| Pets Clinic | |
| Apartment/Dormitory/Rental House | |
| School | |
| Tutorial School | |
| Art and Music School | |
| Sporting Activities School | |
| Bungalows for holiday rental | |
| Association/Club, excluding Night Clubs/Cabaret | |
| Office | |
| Accounting Office | |
| Law Firm | |
| Employment Office | |
| Agent/Broker Office | |
| Ticket Office | |
| Translation Office | |
| Advertising Agency | |
| Home Design Agency | |
| Foundation | |
| Nursery | |
| Fitness Centre | |
Food & Beverage |
Food Shop |
| Beverage Store | |
| Coffee Shop/Bakery Shop | |
| Ice Cream Shop | |
| Candy Shop |
For more information, please contact :
Web Contact Form click here
