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Commercial Insurance

In today’s ever-changing environment, we understand the tough challenges faced by the Small & Medium Enterprises (SMEs) as well as large commercial enterprises.

At Bizciti, we perceive that you can’t possibly outrun your risk, but you can always prepare for it. We will help assess your business and situation to have crafted a cost-effective solution that fit your needs and be sure that you get the right protection.
 
SME Package Insurance

SME Package Insurance

 
 
The SME solutions cover up various operational risks including financial losses, employees’ health benefits, theft, fire, natural disasters, accidents and more.
The industries that are under protections are,
 
Education	  Food & Beverages (F&B)
 
Education   Food & Beverages (F&B)
 
Health, Beauty and Spa	  Hotels and Hospitality
 
Health, Beauty and Spa   Hotels and Hospitality
 
Medical / Dental Centres, Including Small Hospitals and Medical Consultants	  Office and Services
 
Medical / Dental Centres, Including Small Hospitals and Medical Consultants   Office and Services
 
  Retailers	 
 
  Retailers  
 
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Group Medical Insurance

Group Medical Insurance

 
 
Your staff’s health and well-being are crucial to the success and prosperity of your company. A comprehensive and inclusive medical insurance protects the employees and their families in the ever-increasing medical costs.

Whilst, it is a valuable tool to ensure employee retention, and employees only have to focus on being productive. Subsequently, the company will be highly sought after by future employees.

Group Medical Insurance covers the medical expenses of a group of members, from consultation to hospitalization and medication. (This group of members are usually comprised of company employees or members of the organization)
 
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Group Personal Accident

Group Personal Accident

 
  
Accidents are unforeseen circumstances that can occur anytime or anywhere. Workplace injuries can disrupt your business and lead to costly compensation payments.
 
We will work with you together in finding a solution that help creates a safer and more productive workplace.
 
Group Personal Accident Insurance covers the expenses and compensates to a group of members in the event of injuries, permanent disability, or death caused by accident, or external events. (This group of members are usually comprised of company employees or members of the organization)
 
Coverage includes of,
 
Accidental Death Benefit	  Permanent total disability
 
Accidental Death Benefit   Permanent Total Disability
 
Medical Expenses due to an Accident	  Hospital Cash
 
Medical Expenses due to an Accident   Hospital Cash
 
Funeral Expenses	  Additional Indemnity for Public Conveyance
 
Funeral Expenses   Additional Indemnity for Public Conveyance
 
Fractured Bones	  2nd and 3rd Degree Burns
 
Fractured Bones   2nd and 3rd Degree Burns
 
 
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Liability Insurance

Liability Insurance

 
 
Regardless of your business size or nature, business are always fill with uncertainties. There might be times where you might be legally liable due to negligence from you or your employees.

We’ll work with you to manage your business risks and an insurance package that makes sense for your business.

Liability Insurance covers and protects businesses of all sizes in the event vendors or clients are suing you, or any third party claims occurrence.
 
 
General / Public Liability Insurance

General / Public Liability Insurance

 
 
Public Liability Insurance may suits you more if your business works with the public. For instance, shops, cafes, restaurants, wholesalers, retailers, building contractors and more.
 
It protects you or the company against legal action taken by a member of the public in the event of accident or damages caused towards the claimants. As such, bodily injuries, losses or damages to the property etc.
 
Coverage includes of,
  • Personal and Advertising Liability
  • Extension to Cover Miscellaneous Errors and Omissions
  • Extension to Cover Employer’s Liability Exposure
 
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Product Liability Insurance

Product Liability Insurance

 
 
If your business sells goods or products to the general public, you’re liable to the products or goods you’re selling. When you hand out the products to customers, you’ll never know what will happen.
 
A typical situation may be like, a customer who is sensitive to nuts took your pastries and caused the customers to be hospitalized. Hence, the Product Liability Insurance may fit more towards small businesses like the bakeries, homemade brands, clothing sellers, toy stores, pet stores, home improvement sellers and more.
 
Should there be consequences of bodily injury or property damage caused by using your business’s sold goods or products, the Product Liability Insurance will protect your business financially and legally.
 
Coverage includes of,
  • Personal and Advertising Liability
  • Extension to Cover Miscellaneous Errors and Omissions
  • Extension to Cover Employer’s Liability Exposure
 
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Professional Indemnity

Professional Indemnity

 
 
From defamation to intellectual property infringement, from errors to omissions or negligence that cause your clients to lose money. Even as experienced professionals, you’re exposed to the risk of being sued.

Professionals like accountants, architect, business & management consultants, IT engineers, designers and more are likely to be needing Professional Indemnity Insurance. A scenario like this may happen; due to the negligence of a tax accountant by missing the submission timeline to cause a penalty to the client. This insurance may cover the legal costs and compensation payments to the client.

It protects you against allegations of mistakes or negligence in work you have undertaken for your client.

Key benefits:
  • Protects you against civil liability for any breach of professional duty in the conduct of your professional practice
  • Provides cover for settlements, compensatory damages awarded against you as well as defense costs and expenses associated with civil actions
 
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Apartment / Condominium Insurance

Apartment / Condominium Insurance

 
 
Life is always out of blue and unnecessary disruptions are unwanted.
Hence, by keeping the property safe is essential. This solution covers losses from risks as well as protects the property damages, liability and other exposures.
Every residential that includes apartment/ condominium has its risks. The solution pack for these are different. Coverage includes, 
  • Money
  • Burglary
  • Plate Glass
  • Fidelity Guarantee
  • Machinery Breakdown
  • All Risks
     
 
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Errors & Omissions

Errors & Omissions

 
 
Errors & Omissions insurance protects the company, employees, professionals against accusations of substandard work, or negligence made by clients. Sometimes, breach of contract, missing deadlines, professional negligence, and others incident are hard to conceal. Hence, even experienced officials are exposed to the risk of being sued by the client.
 
Professionals who likely to be giving advice or services to clients, such as consultants, financial advisers, insurance agents/brokers, lawyers, doctors, medical practitioners, dentists, IT consultants, IT professionals, and more, are apparent to be needing the Errors & Omissions Insurance.
 
It covers you from legal fees, as well as judgment and settlements.
 
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Fire Insurance

Fire Insurance

 
 
Fire insurance is the financial safety net to protect you and your business assets, from losing your financial security or derailing your long term financial goals due to unexpected incident caused by fire, lightning, or domestic explosion.

You may also consider adding on to your fire insurance coverage with Special Perils as below,
  • Inconvenience Relief Benefit (IRB)
  • Consequential Loss
  • Terrorism
 
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MyBizciti Sdn. Bhd.
 
MyBizciti Sdn. Bhd.
“Your One Stop Financial Solutions”
Road Tax Insurance Johor Bahru
location_on 34-01, Jalan Setia Tropika 1/1,
Taman Setia Tropika,
81200 Johor Bahru, Johor.
call +6011-1070 0818  Whatsapp us at +6011-1070 0818
email [email protected]
Renew Road Tax Insurance Johor Bahru JB | Motosikal Kereta | Bizciti