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This is an insurance policy to protect any business from potential risks to ensure smooth business operation.

  • Coverage includes fire, lightning, explosion, water damage, aircraft or vehicle impact, windstorm, earthquake, hail, strike, riot or malicious acts (excluding any action for political, religious or ideological purpose)
  • Additional coverage for electrical appliance, expenses for temporary building rental, expenses for professional fee for architects/surveyors/engineering consultants, fire extinguishing expenses of the Insured, expenses for shoring up, propping, dismantling, removing the debris, damage to signs/billboards, loss or damge to movable property in the premises, damage to personal effects, loss of income, theft.
  • Maximum sum insured of 50 million Baht
  • Coverage applicable to all business classes

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List of companies and their prices. Column one contains the official codes used in financial markets.
Main Coverage Economy Plan Standard Plan
Sum Insured (Baht) per occurrence/year
1. Major Coverage : Fire, Lightning, Aircraft Impact, Smoke, Windstorm, Earthquake and Hail 500,000 500,000
2. Additional Perils : Vehicle impact, Water damage (excluding of flood), Strikes, riots or malicious acts (excluding any act for political, religious or cult purpose) 100,000 As per SI of Major Coverage
Additional Coverage Sum Insured (Baht) per occurrence/year
1. Electrical Appliance : Loss or damage to electrical appliances as the result of over-running, short-circuiting, or self-heating due to lightning, but such coverage shall only be in force if the loss or damage results in a fire. 50,000 100,000
2. Expenses for Temporary Building Rental if the insured building is unfit for living caused by perils under Major Coverage. 30,000 (1,000 per day) 60,000 (2,000 per day)
3. Expenses for Professional Fee (e.g. Architects, Lawyer, Engineering) and others fee for estimate, plans and specifications arising from repair or replacement of the insured property cause by perils under Major Coverage. Not exceeding 10% of Major Coverage
4. Fire Extinguishing Expenses of the Insured : This included any persons in the course of employment of the Insured engaged in firefighting activities. Not exceeding 10% of Loss Cost
5. Expenses for Shoring-up, Propping-up, Dismantling, Demolishing, or Removing Debris caused by perils under Major Coverage. Not exceeding 10% of Loss Cost
6. Billboard Damage (width X length 6 meters or less and affixed to the wall of the premise) 30,000 60,000
7. Movable Property in the Premise : Mobile Phone, Computer Notebook, Flash Drive, Camera and all other movable property, resulting from covered perils. The actual value not exceeding 20,000
8. Personal Effects caused by perils under Major Coverage  
     - Insured’s Employees 100,000 (2,000 per person)
     - Insured’s 20,000 (3,000 per piece)
9. Loss of Income resulting from disruption to the Insured’s business as a consequence of damage of destruction of the premises insured under Major Coverage caused by perils under Major Coverage. 30,000 (1,000 per day) 60,000 (2,000 per day)
10. Loss to the Property Insured from Burglary due to forcible entry 100,000 200,000
     - Expenses for Repairs to Windows and Door 10,000 20,000
11. Loss or Damage to Money through theft, burglary, or violence
     - Loss of money inside the premises (during working hours)
     - Loss or money inside a safe or strong room (after working hours)
30,000 60,000
12. Loss or Damage to Plate Glass resulting from accidental breakage, includes wall, doors, and windows, also reasonable costs for boarding up pending replacement of external glass - 50,000
13. Public Liability Protection resulting from legal liability in conjunction with accidental injury or loss or damage to property of Third party arising from the Insured’s operations of the premises. 500,000 1,000,000
  • Class 1 – Offices: Offices storing non-hazard goods, associations or clubs (excluding night clubs)
  • Class 2 – Stores/shops: Retail stores or shops e.g. pharmacy, gift shop, minimart, photocopying shop, business card printing shop, stationery store, flower shop, grocery store, camera shop, sports equipment store, auto/motorcycle parts store, watch shop, optical shop, including shops in department stores or shopping malls
  • Class 3 – Service businesses
    3.1 Health and wellness business which includes hospital, clinic e.g. beauty clinic, general practice clinic, veterinary clinic, dental clinic, gymnasium, fitness center
    3.2 Education business which includes nursery, computer school, music school, art school, private or public school, language school, college
    3.3 Accommodation business which includes flat, dormitory, apartment, guest house, condominium, condominium juristic person
    3.4 Entertainment business which includes coffee shop, restaurant, bakery shop, ice-cream shop, restaurant with karaoke, karaoke shop, fine dining restaurant, billiard shop, snooker shop, internet café, games shop, hotel
    3.5 Other business which includes barber’s/hairdresser’s shop, beauty salon, electrical repair shop, mechanic shop, laundry shop, photo shop, wedding studio, auto repair shop, car dealer with repair service (no paint repair), video rental and video recording shop
  • Class 4 – Factory
    4.1 Non-alcoholic beverage factory which includes coffee powder factory, drinking water factory
    4.2 Metal factory which includes plating factory, nail factory, metal window factory, aluminum products factory, metal parts factory (no wooden products), metal compression factory, lathing factory (no wooden products)
    4.3 Pharmaceutical/herbal factory which includes soap factory, tooth paste factory, cosmetic factory, pharmaceutical products factory
    4.4 Glass/ceramic/plate glass factory which includes glass/plate glass/glass bottle factory, electrical heating porcelain/ceramics factory, other porcelain/ceramics factory, sanitary ware factory, cement or concrete related products factory
    4.5 Food factory which includes non-heat chilli grinding mill, fish ball factory, fish steaming house, dehydrated fruit factory, dried pasta factory, sausage factory, egg products factory, sauce/fish sauce factory, corn/glucose syrup factory, wheat flour factory, syrup related sweets factory, vermicelli factory, noodles factory, candy factory, canned food factory (no cold storage), tapioca flour and sago factory, bread factory, tofu factory 
  • Conditions are as specified in the policy.
  • This is an unspecific document, not benefit illustrations.  Interested person should study details of the insurance policy thoroughly before applying.

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List of companies and their prices. Column one contains the official codes used in financial markets.
Coverage Additional Premium (Included Vat & Stamp) Maximum Sum Insured (Baht)
Burglary (covers property damage only) Baht 270 per Sum Insured 50,000 500,000
Damage or Loss to Money Baht 270 per Sum Insured 50,000 500,000
Damage or Loss to Plate Glass Baht 280 per Sum Insured 50,000 500,000
Public Liability Protection Baht 1,000 per Sum Insured 500,000 5,000,000
Electrical Damage Baht 270 per Sum Insured 50,000 1,000,000
Personal Accident for the Insured only Baht 50 per Sum Insured 50,000 100,000
Optional Coverage

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Optional Flood Coverage*per occurrence/year
Additional Premium (Baht)
Minimum Premium : Baht 100 – for Flood Limit Baht 20,000 – 200,000

Flood Limit : 5% of the Sum Insured and maximum not exceed Baht 2,000,000
Additional Premium : Baht 25 – per each additional Baht 50,000
Sum Insured Premiums are inclusive of VAT & Stamp Duty
(Deductible: 10% for each loss or minimum Baht 10,000 for flood damage)
Coverage by Allianz Ayudhya General Insurance Public Company Limited