AmBank AmGeneral Fire Insurance

Choose from 9 essential covers for your business needs

Flexi SME 365 policy offers comprehensive coverage with flexible solutions that meet the needs of Small and Medium Enterprises (SME). Pick a minimum of 2 out of the 9 essential covers that we provide and let us take care of your business.


9 Essential Covers



All Risks

Coverage for property destroyed, damaged or lost by accident.



Coverage for any part of the property within the premise which is damaged or lost by burglary.



Coverage for loss of money from any cause while in transit.

Coverage for loss of money (insured) within the premises.


Fidelity Guarantee

Coverage for any pecuniary loss sustained by any act of fraud or dishonesty committed by the employees.

Note: Pecuniary Loss is a loss that can be evaluated in money/financial terms.


Plate Glass

Coverage for any breakage of glass.


Machinery Breakdown

Coverage for any unforeseen and sudden physical loss or damage to machinery from defects, design related faults, bad workmanship etc.


Group Personal Accident

24-hour worldwide insurance protection against death, permanent disablement and bodily injury caused by accidental, violent, external and visible means.


Employer’s Liability

If you are legally liable to compensate your employee for any claim of any injury/illness arising from any accident in their course of employment, this coverage will provide compensation on your behalf.


Public Liability

In connection with your business, if you are legally liable to compensate any third party for any claim of bodily injury and property damage, this coverage will provide compensation on your behalf.

Key Features



Flexibility on the sum insured that caters for your needs (subject to maximum limit).


One premium, one policy, and one stamp duty only.


Complimentary legal defence cost of up to RM10,000.




Available for any Small and Medium Enterprises (SME).


This cover is subject to the terms and co​nditions of the policy.


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Download Product Disclosure Sheet and Polic​y Contract