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SME Future (Online)

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Select coverage to suit your business through the designed SME package, SME Future, and purchase your policy online.

Key features

Protect your SME business from Fire and Natural perils for up to 50 Million Baht.

Receive the e-policy immediately after premium payment.

Premium starts from 6 Baht per day.

Plan details

      
    Covers loss of or damage to property insured arising from flood up to 200,000 Baht.
Full cover for windstorm, earthquake and hail.
Covers loss of income.
Covers loss of or damage to property insured arising from theft with forcible entry to or exit from insured building.
Covers for third party liability.
Covers personal properties kept within the insured building.

Coverage	Sum Insured (Baht) (per occurrence and in aggregate)
	Save	Gold	Platinum
1. Fire & Additional Perils
Fire, Lightning, Explosion of Gas (used for domestic purposes only)	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
Explosion	500,000 Baht
Water Damage (excluding Flood)	500,000 Baht
Vehicle Impact	500,000 Baht
Windstorm	500,000 Baht
Earthquake, or Volcanic Eruptions, or Tidal Wave, or Tsunami	500,000 Baht
Hail	500,000 Baht
Electrical Installation	50,000 Baht	100,000 Baht	200,000 Baht
Flood	50,000 Baht	100,000 Baht	200,000 Baht
Riot, Strike, Malicious Acts	100,000 Baht	200,000 Baht	500,000 Baht
2. Loss of Income Loss of income in consequence of the damage to the property insured arising from a loss under Section 1	10% of claims amount	10% of claims amount	10% of claims amount
3. Burglary 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 Baht	200,000 Baht	500,000 Baht
4. Compensation for Accidental Death of the Insured within the insured premise resulting from and event in Coverage Sections 1 & 3	-	100,000 Baht	200,000 Baht
5. Money Loss of Money inside the insured premise during business hours caused by robbery or gang-robbery (M.1)	50,000 Baht	100,000 Baht	200,000 Baht
6. Plate Glass Accidental Breakage of Plate Glass including frame and its decoration (not including glass shelf or glass furniture).	50,000 Baht	100,000 Baht	200,000 Baht
7. Public Liability Insurance (within insured location) Compensation on behalf of the Insured for loss or damage occurring to a third party to whom the Insured is legally liable as result of an accident from the operations of or in connection with the insured business.	500,000 Baht	1,000,000 Baht	2,000,000 Baht
Other Special Causes / Endorsement
Food and Drink	1,000 Baht per person, not exceeding Baht 10,000	2,000 Baht per person, not exceeding Baht 20,000	5,000 Baht per person, not exceeding Baht 50,000
Debris Removal Endorsement	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht
Fire Extinguishing Expenses Endorsement	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht
Professional Fees Endorsement	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht
Personal Effects Endorsement	Baht 5,000 per person, 100,000 Baht	Baht 5,000 per person, 100,000 Baht	Baht 5,000 per person, 100,000 Baht
Cost of Temporary Projection Endorsement	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht
External Landscaping Endorsement	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht
Work of Arts Endorsement	5,000 Baht per item, 50,000 Baht	5,000 Baht per item, 50,000 Baht	5,000 Baht per item, 50,000 Baht
Growing Tree Endorsement	Baht 5,000 per item, 100,000 Baht	Baht 5,000 per item, 100,000 Baht	5,000 Baht per item, 100,000 Baht
Awnings, Blind, Signs or Others Outdoor Fixture or Fittings of any Description Endorsement.	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht	10% of Sum Insured, not exceeding 100,000 Baht

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Selected: Save Gold Platinum

Insurance Conditions

1. The business type is in accordance with the underwriting plan.

2. This package applies to Construction Class 1 (Massive) only.

3. The premises must not be located in a "dangerous zone" as announced by the Office of the Insurance Commission.

SME Group	Occupancy
Food & Beverage	Coffee Shop/ Bakery Shop
	Restaurant
	Beverage Store
	Candy Shop/Ice Cream Shop
Servicing Business	Clinic
	Apartment/ Dormitory/ Rental House
	School
	Foundation/Association/Club, excluding Night Clubs/Cabaret
	Office / Tenant
	Office / Owner
	Nursery
	Fitness Center
	Beauty/Hair Salon/Nail Salon/Spa/ Massage
	Hotel (not exceeding 100 rooms)
	Hotel (not exceeding 1,000 rooms)
	Car Care
	Photocopy Shop
	Laundry Service Shop
	Electrical Appliance Repair Shop
	Photo Shop/ Studio
Shop & Beauty	Electrical Appliance Shop
	Computer Shop/Games Shop
	Camera Shop
	Retail Shop/Grocery Shop
	Drug Store
	Toys Shop
	Religious Supplies Shop/Flower Shop
	Construction Materials Shop (excluding Wood suppliers)
	Plastic Utensil Shop
	Clothing Shop
	Leather Goods and Shoes Shop
	Watch Shop
	Bag/Luggage Shop
	Glasses Shop
	Bike/Motorcycle Shop/Motor Battery Shop
	Musical Instrument Shop
	Sports Shop
	Book Shop/Stationery Shop
	Home Furniture Shop/Sanitary Ware Shop
	Animal feedstuff shop
	Small Supermarket/Minimart
	Fresh Food and Frozen Food Shop
	Greengrocers Shop

For more information, please contact :

Web Contact Form click here

It is an insurance plan that can be purchased online, with the policy issued within the same day (e‑policy). It offers various coverage plans to suit the needs of entrepreneurs, including Save, Gold, and Platinum.

SME Future is suitable for small and medium-sized businesses, focusing on three main groups: retail shops / beauty salons, service businesses, and food & beverage businesses.

Yes. Tenants can purchase insurance to cover only their own property, such as merchandise, tools, office equipment, and other belongings. The building itself, which is the property of the building owner, is not covered.

No. The SME Easy plan provides coverage for concrete buildings only.

SME Future offers extended special coverage for liability arising from food and beverage poisoning.

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SME Future (Online)

Key features

Plan details

Coverages

1. Fire & Additional Perils

Fire, Lightning, Explosion of Gas (used for domestic purposes only)

Explosion

Water Damage (excluding Flood)

Vehicle Impact

Windstorm

Earthquake, or Volcanic Eruptions, or Tidal Wave, or Tsunami

Hail

Electrical Installation

Flood

Riot, Strike, Malicious Acts

2. Loss of IncomeLoss of income in consequence of the damage to the property insured arising from a loss under Section 1

3. BurglaryBurglary, 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.

4. Compensation for Accidental Death of the Insured within the insured premise resulting from and event in Coverage Sections 1 & 3

5. MoneyLoss of Money inside the insured premise during business hours caused by robbery or gang-robbery (M.1)

6. Plate GlassAccidental Breakage of Plate Glass including frame and its decoration (not including glass shelf or glass furniture).

7. Public Liability Insurance (within insured location)Compensation on behalf of the Insured for loss or damage occurring to a third party to whom the Insured is legally liable as result of an accident from the operations of or in connection with the insured business.

Other Special Causes / Endorsement

Food and Drink

Debris Removal Endorsement

Fire Extinguishing Expenses Endorsement

Professional Fees Endorsement

Personal Effects Endorsement

Cost of Temporary Projection Endorsement

External Landscaping Endorsement

Work of Arts Endorsement

Growing Tree Endorsement

Awnings, Blind, Signs or Others Outdoor Fixture or Fittings of any Description Endorsement.

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SME Lists

Food & Beverage

Servicing Business

Shop & Beauty

Important contact information

Frequently Asked Questions (FAQ)

Q1. What are the highlights of the SME Future plan?

Q2. What types of businesses is SME Future suitable for?

Q3. Can business operators who rent a building (not building owners) purchase this insurance?

Q4. Can buildings made entirely of wood or half-concrete, half-wood be insured?

Q5. What special coverage does SME Future provide?

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2. Loss of Income
Loss of income in consequence of the damage to the property insured arising from a loss under Section 1

3. Burglary
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.

5. Money
Loss of Money inside the insured premise during business hours caused by robbery or gang-robbery (M.1)

6. Plate Glass
Accidental Breakage of Plate Glass including frame and its decoration (not including glass shelf or glass furniture).

7. Public Liability Insurance (within insured location)
Compensation on behalf of the Insured for loss or damage occurring to a third party to whom the Insured is legally liable as result of an accident from the operations of or in connection with the insured business.

Sawasdee,
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