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SME Value for Shop Owner   

Empower your business to move forward with confidence. A comprehensive insurance coverage to protect your business from every major risk. Safeguard your business from risks with our SME Value Insurance for Shop Owners, offering comprehensive protection tailored to your business. Enjoy primary coverage that protects your property against unexpected events, plus specialized additional coverage designed to fit your business’s unique needs. Secure your valuable assets and keep your business moving forward with confidence.
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ประกันชดเชยรายได้ ชับบ์ chubb


 


Benefits at a glance
 

Specifically tailored for the shop business.
Coverage of various perils in a single policy.
To offer a high coverage amount.
To give compensation for the loss of income when the business suffers damage.*
To pay an additional coverage for the peril of flood.

 

Summary of Benefit

SME Value for Shop Owner plan offers the protection for shop business, e.g., florist, book rental store, café and bakery house, pet shop, retail shop, laundry, photo shop, cloth shop, watch shop, glasses shop, curtain shop, bicycle shop, card printing shop, photo frame shop, tailor shop, drug store, gift shop and stationery shop. The coverage includes the insured building (excluding foundation), and other contents within such insured premise from the major coverage and other extra additional coverages provided by the company.


Coverage

Main Coverage

Sum Insured (THB)

1. Fire, lightning, windstorm, vehicle impact, smoke aircraft, water damage, bush fire, earthquake, explosion, riot strikes, malicious acts and vandalism, hail.

500,000 or higher

2.  Loss or damage caused by burglary to the insured property with forcible entry/exit, including robbery at insured premises.

not exceeding 100,000 any one occurrence and 500,000 in aggregate

3. Loss of cash in premises caused by burglary

not exceeding 100,000 any one occurrence and in aggregate

4. Third party liability for bodily injury and property damage within the insured premises

not exceeding 100,000 any one occurrence and 1,000,000 in aggregate

Special Extended Coverage   

Limit of Liability (THB)

5.  Loss or damage to plate glass caused by accidental breakage

not exceeding 100,000 any one occurrence and in aggregate

6. Electrical injury/self-heating

not exceeding 50,000 any one occurrence and in aggregate

7. Repair cost of entrance caused by burglary

not exceeding 20,000 any one occurrence and in aggregate

8. Cost of debris removal from loss under major coverage 1.

not exceeding 10% of loss any one occurrence

9. Cost of fire extinguishing

not exceeding 10% of loss  any one occurrence

10. Rental cost of temporary outlet

not exceeding 2,000 per day/ not exceeding 60,000 any one occurrence

11. Personal effects 

not exceeding 5,000 any one occurrence

12. Loss of income

not exceeding 1,000 per day/ not exceeding 30 days any one occurrence and in aggregate

13. Loss or damage to neon sign or sign board caused by fire, lightning explosion, burglary and accident

not exceeding 50,000 any one occurrence and in aggregate

14. Compensation for death within the insured premises of the insured and/or any member of insured’s family and/or any person normally residing with the insured for 4 persons (name basis) caused by an insured perils item 1. and 2.

not exceeding 100,000 per person/ not exceeding 400,000 any one occurrence and in aggregate



Terms and Conditions

  1. The package applies to superior class (concrete with steel roof beam and tile roof). For upcountry, premise must locate in general common area only.
  2. The insured’s premises must not be located in a department store or shopping mall announced as or a dangerous zone announced by the Office of Insurance Commission (OIC).
  3. The company’s total limit of liability should not exceed the sum insured under main coverage 1.
  4. The company will inform in advance in the event of survey is required. 

General Exclusions

  1.  Wooden or half wooden premises or located in a conflagrative block or slum
  2. Valuables such as banknote, bond, gold and gold bullion, documents, manuscripts, diagram, paintings, securities, mold or block, stamp duty etc.
  3. Glassware, porcelain, marble or fragile objects
  4. All explosive items, all vehicles either roaduse, waterborne or airway
  5. War and terrorism exclusion
  6. Electronic data and internet exclusion

Disclaimers

  • *This content does not constitute an insurance policy. Prospective buyers are advised to carefully review all coverage details and conditions before making any insurance purchase decisions.
  • *Insurance coverage is underwritten by Chubb Samaggi Insurance Public Company Limited, located at 2/4 Chubb Building, 12th Floor, North Park Project, Vibhavadi Rangsit Road, Thung Song Hong Subdistrict, Lak Si District, Bangkok 10210.
  • *All services are subject to the terms and conditions as specified by the company.