
SME Easy
Product Description
- Provides comprehensive business protection that can be tailored to your insurance needs
Key features
- Protect your SME business for up to 30 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 Highlights
Plan Highlights
- 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
Plan details
Coverage
Coverage | Standard Plan | Build Your Own | |
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Sum Insured/Limit of Liability (Baht) | Maximum Sum Insured/Limit of Liabiltiy (Baht) | Premium (Baht) | |
1. Fire & Additional Perils |
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500,000 | Up to sum insured, max 30,000,000 | - |
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100,000 per occurrence and in aggregate | 500,000 per occurrence and in aggregate | 250 for each sub limit of 50,000 |
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20,000 per occurrence and in aggregate | 100,000 (except Flood Prone Areas*) | 100 for each sub limit of 10,000 |
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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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Not exceeding 10% of claim amount | - | - |
3. Burglary |
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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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100,000 | - | - |
5. Money |
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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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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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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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10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | - | |
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10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | ||
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10% of sum insured, not exceeding 100,000 per occurrence and in aggregate | ||
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5,000 per person, 100,000 per occurrence and in aggregate |
*“Flood Prone Areas” means 1) Risks located in Ayudhya and A.Haadyai, Songkhla 2) Risks located in areas flooded in the 2011 flood event 3) Locations where there has been flooding in the past 5 years
Insurance Conditions
- This package applies to Contruction Class 1 only
- The premises must not be located in a "dangerous zone" as annouced declared by the Office of the Insurance Commission.
Sum Insured (Baht) | Premium (Baht) Period 1 year | ||
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Shop & Beauty | Sevicing Business | Food & Beverage | |
500,000 |
2,379.68 | 2,213.83 | 2,352.93 |
1,000,000 |
3,065.55 | 2,913.61 | 3,038.80 |
1,500,000 |
3,967.56 | 3,615.53 | 3,940.81 |
2,000,000 |
4,870.64 | 4,315.31 | 4,843.89 |
2,500,000 |
5,771.58 | 5,015.09 | 5,744.83 |
3,000,000 |
6,673.59 | 5,715.94 | 6,646.84 |
3,500,000 |
7,575.60 | 6,414.65 | 7,548.85 |
4,000,000 |
8,477.61 | 7,116.57 | 8,450.86 |
4,500,000 |
9,379.62 | 7,817.42 | 9,352.87 |
5,000,000 |
10,281.63 | 8,516.13 | 10,254.88 |
5,500,000 |
12,301.79 | 9,216.98 | 11,764.65 |
6,000,000 |
13,294.75 | 9,915.69 | 12,622.79 |
6,500,000 |
14,286.64 | 10,617.61 | 13,479.86 |
7,000,000 |
15,278.53 | 11,318.46 | 14,394.71 |
7,500,000 |
16,197.66 | 12,017.17 | 15,311.70 |
8,000,000 |
17,106.09 | 12,718.02 | 16,226.55 |
8,500,000 |
18,089.42 | 13,417.80 | 17,142.47 |
9,000,000 |
18,985.01 | 14,118.65 | 17,912.87 |
9,500,000 |
19,964.06 | 14,819.50 | 18,821.30 |
10,000,000 |
20,942.04 | 15,519.28 | 19,729.73 |
Remark
Premium is inclusive of stamp duty and payable by the insured.
SME Lists
The SME Easy Plan is available for 3 groups of businesses:
- Shop & Beauty
- Servicing Business
- Food & Beverage
SME Group | Occupancy |
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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 |
Contact details
For more information, please contact :
Web Contact Form click here
MSIG Customer Care
Tel: 02 007 9000
Fax: 0 2716 6613
Email: Click here
Monday-Friday (8.30 a.m. – 9.00 p.m.), Saturday (9.30 a.m. – 6.00 p.m.)
(Except Sunday and Official Holidays)