Small Medium Enterprise (SME) Insurance

SME Protect Insurance has been specifically developed and designed to offer a broad range of insurance coverage options that can be tailored to fit the specific needs of Small and Medium Enterprises (SME).

Take up a SME Protect policy from ACE Jaya Proteksi and you can choose a number of different benefit covers at a lower cost. Tailor your policy cover to suit your business risks in any of the industry categories covered: Retail, Food and Beverages, Offices, Education, Healthcare, Hospitality.

SME Protect Insurance offers protection against:*

• Fire and other perils: loss or damage to stocks, furniture, fixtures, fittings and other contents.
• Theft: loss or damage resulting from theft, including burglary and robbery, or any attempt of the same.
• Cash in Safe: loss of money and unpresented cheques while locked in a safe, strongroom or drawer on business premises.
• Public Liability: any legal liability to pay compensation to third parties for personal injury or property damage.
• Glass and Signs: accidental breakage of glass, as well as the costs of repairing damaged signs or other outdoor fixtures or fittings of the insured property.
• Continuity Benefit: in certain instances of loss or damage to the insured property, ACE Jaya Proteksi will pay 30% of the claim settlement amount to allow you to maintain normal business operations.
• Personal Accident: loss arising from accidental injury, permanent disablement or death of your employees, including when they are travelling overseas.

The specific terms, conditions and exclusions applicable to this insurance are set out in the Policy, a copy of which is available upon request.