Your business provides scrumptious nasi lemak, chicken rice, or even roti canai to the Malaysian masses daily. Your commitment to your business is displayed in the hard work you put in. Just like every business operation, protection; the fact of the matter is every cent put into your business is a personal investment. Like every investment, you need to be prepared for unexpected loss or damage caused by external problems such as break-ins, fire, flood and so on. You may also be legally liable due to negligence while engaged in business, so you need to protect yourself with public liability insurance. Plus as a responsible employer, you also need to provide accident insurance protection for your employees.
Now at an affordable premium of only RM0.49 per day, you can get insurance coverage for your business with Food Stall Insurance. Food Stall Insurance is a one-of-a-kind insurance designed specifically for a food stall businesses, tailored to better suit your needs in protecting your food stall.
Coverages
This unique Food Stall Insurance cushions you financially by providing you with the following coverages:
Public Liability
In the event of accidental bodily injury or death of another person, and/or loss or damage to another person's material property occurring within your stall or business premises and arising from your negligence or that of any of your employees while engaged in your business, we will pay compensation which you will be legally liable to pay, including legal cost and expenses, up to a sum of RM100, 000.
Employer's Liability
If any of your employees sustain bodily injury due to accident or disease arising out of and during their employment with you, we will pay compensation, which you will be legally liable, including legal costs and expenses for one or more employees up to RM500,000.
Your Contents
We will pay up to RM10, 000 for loss or damage to the contents situated in your stall or business premises directly caused by any of the following perils:
- Fire, lighting, thunderbolt or subterranean fire
- Explosion
- Aircraft and other aerial devices and/or articles dropped therefrom
- Impact caused by any animal or road vehicle
- Bursting or overflowing of domestic tanks, apparatus or pipes
- Earthquake and volcanic eruption
- Hurricane, cyclone, typhoon, windstorm and flood
- Riot, civil commotion not amounting to a popular rising, strike or labour disturbance
- Vandalism or malicious acts
- Falling trees or branches
- Accidental discharge or escape of water from an installation of automatic sprinklers
Inconvenience Allowance
If your contents are destroyed or damaged due to the perils under "Your Contents" resulting in the whole of your stall or business premises to temporarily close for business or cease operation, we will pay you a daily inconvenience allowance4 not exceeding RM100 starting from the day of closure up to 30 days or the day your business resumes full or partial operation.
Theft, Armed Robbery or Hold-Up
For loss or damage to contents of your stall directly caused by armed robbery, hold-up or theft accompanied by actual visible, forcible and violent breaking, into or out of your premises we will pay up to a sum of RM1, 000.
Insurance of Money
We will pay you up to RM500 for loss of money due to armed robbery or hold-up occurring at your business premises during operating hours.
Personal Accident to Employees
In the course of your employees' employment with you, if any of them (subject to a maximum of 2 employees) should suffer bodily injury caused by accident at your business premises during operating hours, we will pay the following benefits:
| Benefits payable to any one insured person per Accident |
Sum Payable
(RM) |
| DEATH, if occurring within 90 days from the date of Accident |
20, 000 |
|
PERMANENT DISABLEMENT specified below, if occurring within 90 days from the date of Accident:
|
|
| (a) |
Total and incurable paralysis |
20,000 |
| (b) |
Complete and incurable insanity |
20,000 |
| (c) |
Loss by physical severance of two limbs at or above wrist or ankle |
20,000 |
| (d) |
Total and irrecoverable loss of sight of both eyes |
20,000 |
| (e) |
Loss by physical severance of one limbs at or above wrist or ankle |
10,000 |
| (f) |
Total and irrecoverable loss of sight of one eye |
10,000 |
|
MEDICAL EXPENSES:
We will, upon presentation of all original bills, reimburse the actual cost of medical and hospital expenses reasonably incurred and expended in respect of any one accident or during any one period of insurance
|
500 |
More Coverages with Food Stall Insurance
That's not all. With Food Stall Insurance, you'll get additional coverage for these!
Debris Removal
If you have a claim under benefit of "Your Contents", we will pay you the costs of debris removal that you necessarily incur in replacing or repairing the items of your contents up to RM1, 000 in any one incident.
Extinguishing Expenses
WE will pay for fire brigade charges, the cost of replenishing fire fighting appliances, and wages of your employees other than full time members of a Public Fire Brigade incurred by you in extinguishing fire at or adjoining your business premises up to RM1, 000 in any one incident.
Repair or Replacement of Locks, Drawers, or Cupboards, etc
We will pay the cost of up to RM250 incurred in repairing or replacing locks, drawers, cupboards and/or cabinets of your business premises that are damaged in a break-in ir attempted break-in.
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