In our modern and commercialized society, all companies would need an insurance programme that would be suitable to each, in terms of coverage and cost.  A well-designed insurance programme would be beneficial to your established firm, especially in managing your risk exposures.  It would give you the peace of mind to conduct your business, safe in the knowledge that your assets are protected. Contact our Commercial Division @ARF to find out what are the packages available to you.


All Risks Insurance
Covers accidental physical loss or destruction or damage to property other than by excluded caused.


Fire Insurance
Covers Loss or damage to the property caused by fire or lightning.


Burglary Insurance
Covers any loss/damage to the property and premises by any theft or attempted threat.


Business Interruption Insurance
Covers loss of net profit and fixed charges following interruption of business caused by risks which are insured under a Fire policy.


Plate Glass Insurance
Covers glass in windows, doors, fanlights, show-cases, shelves and counter-tops against breakage.


Money-In-Transit Insurance
Covers loss or damage to money whilst in transit and by theft from locked drawer, safe or strongroom or by hold-up while in the premises.


Machinery and Equipment all Risks Insurance
Covers all risks of accidental physical loss or damage to the property including the risk of loading and unloading.


Computer Material Damage Insurance
Covers accidental loss of or damage to the computer whilst at work or at rest or while being dismantled for purpose of cleaning or inspection.


Electronic Equipment Insurance
An all risks cover for computers, data processing equipment and office equipment.


Machinery/Boiler Breakdown Insurance
Covers unforeseen and sudden damage to any machinery Insured from any clause not excluded.  Policy excludes external causes (e.g. lightning & impact, etc).


Contractor all Risks/Erection all Risks Insurance
It is an all risks cover during the construction period for contract works against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract, other than by an excluded cause.


Work Injury Compensation (WICA)/Employer's Liability Insurance
Provides payment for accidental bodily injury and/or disease sustained by your employees whilst in the course of employment.


Public Liability/Comprehensive General Liability Insurance
Covers the insured's legal liability to third party for accidental bodily injury or loss of or damage to property whilst in the course of business.


Travel (Business)
A comprehensive travel insurance package that could be arranged as a single trip or annual plan for your employees and even as a corporate policy on headcount basis.


Errors & Omission
It covers insured's legal liability towards claimants for costs & expenses due to insured's negligence, errors or omission committed in insured's capacity. For example, members of management committees.

More often than not, small and medium enterprises while focusing on daily business demands, overlooks the most critical safeguards for their office and shops.  With such companies in mind, numerous packaged insurance solutions has been tailored for commercial enterprises, be it a small office or a retail outlet.  The packages has been innovated to provide our clients with the most comprehensive cover yet is economical in pricing.  Packages has been designed with you in mind such as :


Retail Shops : Cosmetic Shops, Provision Shops, Bridal Shops & etc
Dining : Cafe, Restaurants & etc