Business insurance policies have been developed to cover virtually any risk that a business could possibly face. While most businesses will not need every type of policy, each company will need several, or a “package policy”. Depending on the type of operation that is being insured, rates and coverage limits may vary.
Additional cover for all risks involving aircraft and aviation business, includes liability to third party of ground service, group insurance for crew/airline management, loss-of-aviation-license insurance, war risk insurance, deductible insurance. Special products are available for light and personal aircraft which are sometimes used by tour companies, hotels and high net worth individuals.
Bail Bond Insurance
This provides bail-value guarantee when insured is a suspect or defendant or in criminally charged.
If you have incurred significant cost or are dependent on revenue relating to an event, then event cancellation insurance may just be the right choice for you. Cover includes compensation from cancellation or partial or complete change of plan affecting your seminars or events. Additional cover compensates loss of income for business disruption and terrorism cover is also available.
Commercial Auto Insurance
If a business uses vehicles in the normal course of business, they will require commercial auto insurance. In addition to covering personal injury and property damage, commercial auto insurance covers the business for loss of use in the case of an accident.
Boiler and Pressure Vessel Insurance
Cover includes damage to boiler and pressurized tank arising from defects or mishandling. The insurance also provides compensation in case of death and damage to third party property.
Business Interruption Insurance
If a disaster or catastrophic event does occur, a business’s operations are likely to be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. Many fixed costs will continue to drain your resources. This type of insurance is especially applicable to companies that require a physical location to do business, have supply chain obligations and have significant fixed costs. Business Interruption Insurance compensates a business for its lost income during these events and is one of the most under-insured areas of businesses in Thailand.
A modern and enhanced continuation of Fidelity Guarantee Insurance. This should be considered by companies with a high risk of “insider fraud”, or companies that hold third party funds.
Constructor’s Plant Equipment All Risk Insurance
If you own construction machinery such as earth moving machine, mobile cranes, conveyor system concrete batching plants, we suggest getting your machinery insured against loss or damage. Period of cover can be adjusted to fit a specific project period on an annual basis.
Boat Insurance – Personal Accident
Compulsory insurance for any public boat operating with the capability to carry over 12 passengers on board. This insurance includes medical as well as death and disability cover to all passengers.
Business Owner’s Policy (BOP)
A BOP packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance. Based on your company’s specific needs, you can alter what is included in a BOP. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverages.
An essential element for exporters and international businesses, cargo insurance covers loss or damage to shipment during sea, air, land, rail or post transportation as a result of accidents or unforeseen circumstances. Cover can be purchased “door to door” from the supplier to the recipient, or limited to part of the journey.
Contract Work Insurance
This covers risks which may arise during a course of construction, including machine installation or erection and third party liability as a result of accidents.
Commercial Property Insurance
Commercial property insurance policies are available for businesses that operate out of standard commercial buildings. These policies cover loss and damage to company property because of theft, fire, smoke, wind, hail, vandalism, and other covered events. Company property is usually defined as buildings, equipment, documents, business interruptions, lost income, and money. A home-based business can purchase similar coverage in addition to their home owner’s policy. In some case, riders can be added to a traditional home owner’s policy to cover certain losses, but it is generally not as extensive as separate coverage.
Cyber insurance offers protection to your business and your customers in the event of an online threat, such as a ‘denial of service’ attack. This policy should be considered by companies whose online presence is critical to their business.
An educator’s liability policy is a packaged liability product designed for schools, and covers defence costs and damages relating to the school’s liability. Areas of cover can include professional negligence, discrimination, “failure to educate” and sexually related events. This will cover not only teachers but all staff.
Erection All Risks Insurance
Insurance for manufacturers or suppliers of machines responsible for installation or erection at specific projects. Cover includes damage to machine itself and installation equipment. Cover period starts from transportation to installation location until testing of the installed machine is complete.
Fleet Motor Insurance
Less of a headache for businesses owning many vehicles or car rental business.
Golfer’s Indemnity Insurance
When it comes to injuries, amateur or professional golf players should be protected. The insurance covers self- inflicted injuries, liability to bodily harm or property damage inflicted to third -person, and damages to golf equipment. We also offer special bonus if you hit a “hole-in-one”.
Insurance covers damage to any part of the ship, cover also includes power generation units, heat and lighting units and conditioning units.
Industrial All Risks Insurance
Cover includes damage to or loss of insured property from accidents or forces of nature such as fire, theft, submersion in water, or any other accidents not indicated as exclusions in the policy.
If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information. If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.
Electronic Equipment Insurance
When electronic equipment is an indispensable part of your business continuity, do not let accidents such as short- circuits or operational errors get the better of you. The insurance covers compensation for physical damage to equipment and information retrieval or storage.
Event Cancellation Insurance
If the one thing that could go wrong is something you could not afford, then event cancellation insurance may just be the right choice for you. Cover includes compensation from cancellation or partial or complete change of plan affecting your seminars or events. Additional cover compensates loss of income for business disruption and terrorism cover is also available.
Gold Shop Insurance
Theft, burglary and robbery are rampant these days. Gold Shop Insurance to cover loss of or damage to good or property of your business as well as medical expense compensation for you and your staff in case of death or injuries.
Health & Personal Accident (PA) Group Insurance
PA and Health Group insurance primarily offers in-patient accident and health cover for a group of insured. Additional cover as out-patient for common illnesses also available. You can also claim tax back on this kind of insurance.
Jewellery Block Insurance
Cover includes loss of or damage to jewellery or gem stones as a result of accident or theft at your premises, during transportation or when on display.
Directors and Officers Insurance
This type of insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company. If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.
Highly recommended for construction project owners or contractors, especially for building or plant construction or civil works. Insurance covers project completion value, construction machinery, construction tools and equipment, debris removal cost and consultation cost which may arise from accidents occurred during construction period.
Fidelity Guarantee Insurance
There is not much difference between theft and fraud at work. Protect your business now.
General Liability Insurance
No business should go one day without general liability coverage. This type of policy covers the business in the case of a claim or lawsuit that arises from injuries, accidents, or negligence. Covered claims may include bodily injury, personal injury, property damage, slander, or false advertisement. The insurance provider covers all covered expenses including legal representation except for punitive damages.
Home-Based Business Insurance
Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home -based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.
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