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Business and Public Liability Insurance

Every business requires protection. You need to protect your properties such as equipment and stocks against unexpected loss posed by problems like break-ins or natural disasters (fire, flood, landslide, etc.) You may also become legally liable from your negligence or that of any of your employees while engaged in your business; therefore, you will need to protect yourself with public liability insurance.

As an employer, you should also protect yourself against employer's liability at law for accidents to your employees. Easi-Biz is the most assurance available to cover all the above contingencies.

Key benefits

Cover your contents including all business and office furniture and equipment fixtures and fittings and goods or stock-in-use in your business up to the sum insured as described in the Schedule of plans, against physical loss or damage by the following perils:

  • Fire, Lightning, Thunderbolt or Subterranean Fire
  • Explosion
  • Aircraft Damage
  • Impact caused by any animal or road vehicle (excess RM250)
  • Bursting or overflowing of domestic tanks, apparatus or pipes (excess: 1% of sum insured or minimum of RM100)
  • Earthquake and Volcanic Eruption
  • Hurricane, Cyclone, Typhoon, Windstorm (excess RM250)
  • Flood (excess: 1% of sum insured of your contents)
  • Riot, Strike, Malicious Damage
  • Subsidence and Landslide (excess 5% of sum insured of your contents or RM25,000, whichever is lower)
  • Accidental discharge or escape of water from installation of automatic sprinkler
  • Accidental damage to all business and office furniture and equipment, fixtures and fittings except goods or stock-in-use (excess RM250)

Inconvenience allowance
If your contents are destroyed or damaged by any of the perils covered under ‘Contents’, which causes your business premises to temporarily close for business or cease operation, we will pay you a daily inconvenience allowance as specified in the Schedule of plans.
The allowance shall stop the day your business resumes full or partial operation or up to a maximum of 180 days.

Theft, armed robbery or hold-up
Coverage for your contents as mentioned under ‘Contents’ suffer loss or damage while in your business premises as a direct consequence of Theft*.
*theft must be accompanied by actual, visible and forcible violent breaking in or out of your premises, armed robbery or hold-up.

Plate glass
Cover for any fixed glass in doors, windows or display cases that is broken by fractures extending through its entire thickness as a result of accident or misfortune.

Coverage includes the loss of cash bank and currency notes, cheques, money orders, postal orders credit card vouchers, sales vouchers, unused postage stamps and revenue stamps while:

  • In transit anywhere in Malaysia
  • In your business premises provided that after business hours, the mentioned items are kept secured in a locked safe, locked drawers or locked cabinets

Employer's liability
If any of your employees sustains bodily injury by accident or disease arising out of, and in the course of their employment, we will pay all sums of compensation which you shall be legally liable to by law but shall not exceed RM2,000,000 during any one period of insurance.

Public liability
If you become legally liable to pay compensation or expenses for accidental bodily injury to, or death of another person and/or loss of or damage to another person's property arising from your negligence or of any of your employees while engaged in your business, we will pay those moneys on your behalf.

The limit of liability that we will pay shall not exceed RM1,000,000. In addition we will also pay legal fees up to RM20,000.


Like most insurance policies, OAC Easi-Biz is subject to certain exclusions in its coverage:

  • Radioactive Contamination
  • War
  • Terrorism
  • Acts of Authorities
  • Sonic Bangs
  • Existing Damage

Excluded businesses

  • Antiques
  • Telecommunications equipment & accessories including handphones, handphone accessories, phone cards
  • Cigarettes/ cigars/ wine & spirits exceeding 10% of total stock value
  • Jewellery or gold
  • Chinese medicines (including herbs and seafood)


Impact of Movement Control Order on Fire Policy Coverage from Persatuan Insurans Am Malaysia. Click here for more details.


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Great Eastern Holdings Ltd | The Great Eastern Life Assurance Company Limited | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | The Great Eastern Life Assurance Company Limited | Great Eastern General Insurance Ltd