Erection All Risks Insurance (EAR), Contractor's All Risk Insurance (CAR) and Contruction Insurance, Public Liability Insurance (PL) and Third Party Liability Insurance (TPL) arranged by ACPG Management Sdn Bhd
Erection All Risks (EAR)
Similar to Contractors' All Risks, Erection All Risks is designed to provide comprehensive coverage for the installation and erection of engineering projects of electrical or mechanical equipments.
PRODUCT DISCLOSURE SHEET
ERECTION ALL RISKS INSURANCE
(Please read this Product Disclosure Sheet before you decide to take out a Erection All Risks Insurance Policy. Be
sure to also read the general terms and conditions stated in the policy).
ERECTION ALL RISKS INSURANCE
(Please read this Product Disclosure Sheet before you decide to take out a Erection All Risks Insurance Policy. Be
sure to also read the general terms and conditions stated in the policy).
1. What is this product about?
This policy provides All Risks coverage unless specifically excluded under the policy for contractors to meet their insurance obligations under the contract conditions for projects associated with the erection of machinery such as erection of power plants, turbines, transformers, etc.
This policy covers the erection work to be executed in accordance with the contract, any temporary works, construction materials, construction plant and equipment used at work site and any third party liability arising out of the performance of the contract.
2. What are the covers / benefits provided?
This policy has two sections, namely :
• Section I – Material Damage
It covers any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded under the policy:
a) to the contract work under erection
b) to the contractor’s plant, machinery and equipment used for the contract at work site
c) to Principal’s existing property
• Section II – Third Party Liability
It covers the contractor for all sums which he shall become legally liable to pay as damages consequent upon:
a) accidental bodily injury to or illness of third parties (whether fatal or not)
b) accidental loss of or damage to property belonging to third parties
occurring in direct connection with the erection of the items insured under Section I and happening on or in the immediate vicinity of the work site during the period of cover.
Duration of cover corresponds with the contract period including testing/commissioning period as stipulated in the Letter of Award. You need to purchase a new insurance policy to cover each project undertaken.
This policy has two sections, namely :
• Section I – Material Damage
It covers any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded under the policy:
a) to the contract work under erection
b) to the contractor’s plant, machinery and equipment used for the contract at work site
c) to Principal’s existing property
• Section II – Third Party Liability
It covers the contractor for all sums which he shall become legally liable to pay as damages consequent upon:
a) accidental bodily injury to or illness of third parties (whether fatal or not)
b) accidental loss of or damage to property belonging to third parties
occurring in direct connection with the erection of the items insured under Section I and happening on or in the immediate vicinity of the work site during the period of cover.
Duration of cover corresponds with the contract period including testing/commissioning period as stipulated in the Letter of Award. You need to purchase a new insurance policy to cover each project undertaken.
3. How much premium do I have to pay?
The total premium that you have to pay may vary depending on the Contract Value, the scope of work of the project to be executed, the risk exposure, the extensions to basic cover required and the underwriting
requirements of the company:
• Estimated Contract Value
• Rate Applicable _____________%
• Sum Insured for Extensions of cover
• Loadings Applicable to the Extensions _____________%
The estimated total premium that you have to pay is: RM___________
The total premium that you have to pay may vary depending on the Contract Value, the scope of work of the project to be executed, the risk exposure, the extensions to basic cover required and the underwriting
requirements of the company:
• Estimated Contract Value
• Rate Applicable _____________%
• Sum Insured for Extensions of cover
• Loadings Applicable to the Extensions _____________%
The estimated total premium that you have to pay is: RM___________
What are some of the key terms and conditions that I should be aware of?
Some of the key terms and conditions that you should be aware of are:
• Duty of disclosure - you must give all the facts in your application form fully and faithfully otherwise your policy may be void.
Some of the key terms and conditions that you should be aware of are:
• Duty of disclosure - you must give all the facts in your application form fully and faithfully otherwise your policy may be void.
Duty of Assured – you shall take all reasonable precautions and comply with all reasonable recommendations of
the company to prevent loss, damage or liability and comply with statutory requirements and manufacturer’s recommendations.
• You must ensure that your sum insured stated in the Schedule are adequate:
a) Contract Works - full value of the erection works at the completion of the contract inclusive of freight, customs duties, dues and erection costs.
b) Construction Plant and Equipment - the replacement value of construction plant and equipment, which shall mean the cost of replacement of the insured items by new items of the same kind and capacity.
• Any extension of the contract period may be considered subject to advance notification to the company in writing and submission of relevant documents.
• Underinsurance - if the sum insured stated in the Schedule is less than the amount required to be insured at the time of loss, you are deemed to be self-insuring for the difference. The average condition shall apply in event of a claim.
• Excess - is the amount of loss that you have to bear in event of a claim.
the company to prevent loss, damage or liability and comply with statutory requirements and manufacturer’s recommendations.
• You must ensure that your sum insured stated in the Schedule are adequate:
a) Contract Works - full value of the erection works at the completion of the contract inclusive of freight, customs duties, dues and erection costs.
b) Construction Plant and Equipment - the replacement value of construction plant and equipment, which shall mean the cost of replacement of the insured items by new items of the same kind and capacity.
• Any extension of the contract period may be considered subject to advance notification to the company in writing and submission of relevant documents.
• Underinsurance - if the sum insured stated in the Schedule is less than the amount required to be insured at the time of loss, you are deemed to be self-insuring for the difference. The average condition shall apply in event of a claim.
• Excess - is the amount of loss that you have to bear in event of a claim.
4. What are the major exclusions under this policy?
This policy does not cover certain losses, such as:
a) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection.
b) wear and tear, corrosion, oxidation, incrustation
c) consequential loss of any kind or whatsoever including penalties, losses due to delay, lack of performance, loss of contract.
d) loss, damage or liability caused by or arising out of :
• war, riot, strike, civil commotion
• nuclear reaction, nuclear radiation or radioactive contamination
• willful act or willful negligence of the Assured or of his representatives
• cessation of work whether total or partial
(Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)
This policy does not cover certain losses, such as:
a) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection.
b) wear and tear, corrosion, oxidation, incrustation
c) consequential loss of any kind or whatsoever including penalties, losses due to delay, lack of performance, loss of contract.
d) loss, damage or liability caused by or arising out of :
• war, riot, strike, civil commotion
• nuclear reaction, nuclear radiation or radioactive contamination
• willful act or willful negligence of the Assured or of his representatives
• cessation of work whether total or partial
(Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)
5. Can I cancel my policy and how do I cancel it?
There is no cancellation provision under this policy.
There is no cancellation provision under this policy.
6. What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes to your contact details. This is to ensure that all the
correspondence will reach you in a timely manner.
It is important that you inform us of any changes to your contact details. This is to ensure that all the
correspondence will reach you in a timely manner.
7. Where can I get further information?
Should you require additional information about our Erection All Risks insurance or any other types of insurance products, you may contact ACPG. Alternatively, you may visit our website at www,acpgconsultant.com.
Should you require additional information about our Erection All Risks insurance or any other types of insurance products, you may contact ACPG. Alternatively, you may visit our website at www,acpgconsultant.com.
Civil Engineering Completed Risks Insurance Malaysia
This Civil Engineering Completed Risks Insurance coverage policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indefinable.
The Civil Engineering Completed Risks Insurance policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rock-slide
• frost, avalanche, ice
• vandalism
Duration of Civil Engineering Completed Risks Insurance cover is for one year. You need to renew your insurance policy annually.
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rock-slide
• frost, avalanche, ice
• vandalism
Duration of Civil Engineering Completed Risks Insurance cover is for one year. You need to renew your insurance policy annually.
Performance Bond Insurance
A Performance Bond is to ensure that contractors faithfully carry out the terms & conditions of a written contract. The amount of the bond will be recovered by the principal should the contractor fail to perform in accordance with the terms of the contract.Contractors' All Risks / Erection All Risks Insurance
ACPG offers two types of engineering insurances for construction and erection works. Contractors' All Risks policy (CAR) is used to cover civil works whilst Erection All Risks (EAR) policy is used to cover mechanical and electrical works.Scope of Cover
Both policies provide the most comprehensive insurance protection on an 'all-risks' basis that generally cover loss or damage due to fire, lightning, water damage, flood, storm/tempest, subsidence, landslide, cyclone, hurricane, earthquake, volcanic eruption, burglary and theft, explosion, spontaneous combustion, heating, fermentation, impact and aircraft damage.In general, it is possible to extend the standard policy to cover strike, riot and civil commotion, inland transit, overtime, night work and express freight expenses, air-freight, cross liability, maintenance
visits /extended maintenance among others.
General policy exclusions are the deductibles stated in the schedule, consequential losses and liquidated damages, willful act or willful negligence of any official of the Insured, corrosion, non-observance of trade rules, war and terrorism risks, faulty design amongst others.
CONTRACTOR ALL RISK
Introduction / coverage
Parties to a project involving the construction of building or other permanent structures required protection against loss or damage to the works concerned including third party claims in respect of property damage of bodily injury arising in connection with the project.
Contractors All Risk Insurance, subject to some specified exclusions, provide the widest possible cover required. The most important causes of losses covered under contractors all risks insurance are :-
- Fire, lightning, explosion
- Flood
- Windstorm
- Earthquake
- Theft, burglary
- Bad workmanship, lack of skill, negligence
- Name of principal
- Name of contractor and working experience
- Nature of contract and full description scope of work
- Breakdown of contract value
- Third party liability limit
- Period of insurance
- Maintenance period
- Letter of award
- Site plan
- Exposure to the elements/ eg water courses
- Detail of surrounding properties
Erection All Risks Insurance Policy
Malaysia
By ACPG Management Sdn Bhd (ACPG).
Erection All Risks Insurance
The policy covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third party property and/or bodily injury arising in connection with the erection work.
The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Loss Of Profit Following Machinery Breakdown Insurance
This policy is designed to provide coverage for loss of gross profit due to business interuption caused by an accident indefinable under Machinery Breakdown Insurance. The loss of gross profit is as a result of reduction in turnover due to decreased in production and increased in cost of working.
Boiler & Pressure Vessel Insurance
A boiler or pressure vessel stores substantial energy which on being released by explosion causes extensive damage and sometimes injury. Therefore protection is needed against serious consequence of a major boiler or pressure vessel explosion.
This policy provides coverage for Boiler or Pressure Vessel caused by and solely due to explosion of any boiler or pressure vessel insured whilst in the course of ordinary working.
Contractor's All Risks
This policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.
With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Contractors' Plant & Machinery Insurance
This policy provides coverage for the plant and machinery used by the contractors at the site for various projects. It provides protection against loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
The sum insured should equal to the cost of replacement of the same kind and capacity via cost of replacement including freight, dues and customs duties plus cost of erection.
Deterioration of Stock In Cold Storage Insurance
This policy provides coverage against loss due to deterioration of stock in the cold-storage rooms following from material damage to the refrigeration plant which is indefinable under the Machinery Breakdown Insurance.
Electronic Shield Insurance
This policy provides protection against loss or damage to equipment which are electronically dominant.
The policy comprises 3 sections as follow:
SECTION 1 MATERIAL DAMAGE COVER
Cover all electronic equipment against all unforeseen and sudden physical loss or damage to the insured items which have not expressly excluded.
SECTION 2 DATA MEDIA COVER
Cover the Data Media such as disks and tapes external to the computer system due to material loss or damage which is indemnifiable under Section 1 of the policy.
SECTION 3 INCREASED COST OF WORKING
Provide indemnity for additional expenditure incurred for cost of hiring equipment following material loss or damage which is indefinable under Section 1 of the Policy.
Civil Engineering Completed Risks Insurance
This policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indefinable.
The policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rockslide
• frost, avalanche, ice
• vandalism
Machinery Breakdown Insurance
This policy provides insurance cover for sudden and unforeseen physical damage or loss to the insured machine whilst either at work or rest and during cleaning, inspection, over-hauling or removal to another position within the premises. It covers all "accidental" damage or loss from any causes except those specifically excluded in the policy.
Erection All Risks Insurance
The policy covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third party property and/or bodily injury arising in connection with the erection work.
The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Loss Of Profit Following Machinery Breakdown Insurance
This policy is designed to provide coverage for loss of gross profit due to business interuption caused by an accident indefinable under Machinery Breakdown Insurance. The loss of gross profit is as a result of reduction in turnover due to decreased in production and increased in cost of working.
Boiler & Pressure Vessel Insurance
A boiler or pressure vessel stores substantial energy which on being released by explosion causes extensive damage and sometimes injury. Therefore protection is needed against serious consequence of a major boiler or pressure vessel explosion.
This policy provides coverage for Boiler or Pressure Vessel caused by and solely due to explosion of any boiler or pressure vessel insured whilst in the course of ordinary working.
Contractor's All Risks
This policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.
With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.
Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Contractors' Plant & Machinery Insurance
This policy provides coverage for the plant and machinery used by the contractors at the site for various projects. It provides protection against loss or damage from any cause not specifically excluded in a manner necessitating repair or replacement.
The sum insured should equal to the cost of replacement of the same kind and capacity via cost of replacement including freight, dues and customs duties plus cost of erection.
Deterioration of Stock In Cold Storage Insurance
This policy provides coverage against loss due to deterioration of stock in the cold-storage rooms following from material damage to the refrigeration plant which is indefinable under the Machinery Breakdown Insurance.
Electronic Shield Insurance
This policy provides protection against loss or damage to equipment which are electronically dominant.
The policy comprises 3 sections as follow:
SECTION 1 MATERIAL DAMAGE COVER
Cover all electronic equipment against all unforeseen and sudden physical loss or damage to the insured items which have not expressly excluded.
SECTION 2 DATA MEDIA COVER
Cover the Data Media such as disks and tapes external to the computer system due to material loss or damage which is indemnifiable under Section 1 of the policy.
SECTION 3 INCREASED COST OF WORKING
Provide indemnity for additional expenditure incurred for cost of hiring equipment following material loss or damage which is indefinable under Section 1 of the Policy.
Civil Engineering Completed Risks Insurance
This policy provides cover for loss or damage to completed civil engineering properties or structures such as road, bridges, tunnel, dam and etc. Coverage is only granted for material damage to the structures insured and only repair costs are indefinable.
The policy covers the following perils:
• fire, lightning, explosion, impact by land borne/water borne vehicles
• impact of aircraft, aerial devices
• earthquake, volcanism, tsunami
• storm
• flood, inundation, wave action, water
• subsidence, landslide, rockslide
• frost, avalanche, ice
• vandalism
Machinery Breakdown Insurance
This policy provides insurance cover for sudden and unforeseen physical damage or loss to the insured machine whilst either at work or rest and during cleaning, inspection, over-hauling or removal to another position within the premises. It covers all "accidental" damage or loss from any causes except those specifically excluded in the policy.
Storage Tank Insurance
Provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The policy can be extended to covers loss of contents contained in the storage tanks and must be directly resulting from any material damage to the storage tank which is indefinable.
Provides protection against sudden and unforeseen physical loss or damage to storage tanks caused by bursting, splitting, rupture or collapse. The policy can be extended to covers loss of contents contained in the storage tanks and must be directly resulting from any material damage to the storage tank which is indefinable.
Erection All Risk Insurance Policy
Under the Erection All Risk insurance policy of ACPG General Insurance the client is offered insurance against all the possible dangers he may have to face in the construction business. It covers the different risks involved in erecting structures, testing their strength and commissioning them.
The insurances offered under this plan include insurance of goods or articles being transported from one place to another by all means except air, customs duty, insurance of the equipment being used by the contractor on the insured site, storage risks of articles on site, liability towards a third party and expenses for the removal of debris.
The policy also covers the expenses in case testing operations take longer than was anticipated and if there are losses to the client due to delays or disturbances in the process of the business.
The advantages of the Erection All Risk insurance policy of ACPG General Insurance are plentiful no doubt but there are also a number of reasons the plan will not function for. In case of damages caused by war operations, intentional destruction of property, damages incurred due to the carelessness of workmen etc. the plan stands null.
The advantages of the Erection All Risk insurance policy of ACPG General Insurance are plentiful no doubt but there are also a number of reasons the plan will not function for. In case of damages caused by war operations, intentional destruction of property, damages incurred due to the carelessness of workmen etc. the plan stands null.
In addition if the client is involved in legal issues or causes some damage to the surrounding area that is not insured then too the policy is not liable to pay the expenses.
The Erection All Risk insurance policy of ACPG General Insurance is an erection cum storage policy and so deals with the insurance of those things alone. The client is advised to read the terms carefully before signing the agreement.
The Erection All Risk insurance policy of ACPG General Insurance is an erection cum storage policy and so deals with the insurance of those things alone. The client is advised to read the terms carefully before signing the agreement.
Malaysia Workmen’s Compensation Insurance
PRODUCT DISCLOSURE SHEET
WORKMEN’S COMPENSATION
(Please read this Product Disclosure Sheet before you decide to take out a Workmen’s Compensation Insurance Policy.
WORKMEN’S COMPENSATION
(Please read this Product Disclosure Sheet before you decide to take out a Workmen’s Compensation Insurance Policy.
Be sure to also read the general terms and conditions stated in the policy).
1. What is this product about?
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Act as well as at Common Law to your employees who are not covered by the Social Security Organisation (SOCSO) as provided for under the Employees Social Security Act 1969.
As an employer, you could be held liable due to:
• personal negligence
• failure to provide a safe place and a safe system of work
• failure to exercise reasonable care in recruitment of competent staff
• failure to provide proper machinery and maintain them in good working order
2. What are the covers / benefits provided?
This policy indemnifies you against all sums for which you shall be liable to pay compensation to your employees
• for personal injury sustained by accident or disease arising out of and in the course of his/her employment under
a) the Workmen’s Compensation Act 1952, and subsequent amendments to the Act, or
b) at Common Law
• In addition, all costs and expenses incurred with the written consent of the company in defending any claim for such compensation.
Duration of cover is One year. You need to renew your insurance policy annually.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to your employees
• for personal injury sustained by accident or disease arising out of and in the course of his/her employment under
a) the Workmen’s Compensation Act 1952, and subsequent amendments to the Act, or
b) at Common Law
• In addition, all costs and expenses incurred with the written consent of the company in defending any claim for such compensation.
Duration of cover is One year. You need to renew your insurance policy annually.
3. How much premium do I have to pay?
The total premium that you have to pay may vary depending on the Estimated Annual Earnings declared, the Common Law Limit required, the nature of occupation of the employees insured and the underwriting
requirements of the company.
The total premium that you have to pay may vary depending on the Estimated Annual Earnings declared, the Common Law Limit required, the nature of occupation of the employees insured and the underwriting
requirements of the company.
Common Law Limit
Estimated Annual Earnings
Rate Applicable _____________% on Estimated Annual Earnings
The estimated total premium that you have to pay is: RM___________
Estimated Annual Earnings
Rate Applicable _____________% on Estimated Annual Earnings
The estimated total premium that you have to pay is: RM___________
Some of the key terms and conditions that you should be aware of are:
• Duty of disclosure - you must give all the facts in your application form fully and faithfully otherwise your policy may be void.
• Change in Risk - you must inform the company or your agent in writing on any material changes during the policy period so that the necessary amendments are endorsed into your policy.
• Duty of Assured - you shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations.
• You must maintain proper records of each employee and declare to the company their wages and earnings truthfully, otherwise in the event of a claim, the average condition in the policy shall apply.
• You shall not incur any expense or make any payment, settlement or arrangement in respect of any claim under this policy without the written authority/confirmation of the company.
• Duty of disclosure - you must give all the facts in your application form fully and faithfully otherwise your policy may be void.
• Change in Risk - you must inform the company or your agent in writing on any material changes during the policy period so that the necessary amendments are endorsed into your policy.
• Duty of Assured - you shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations.
• You must maintain proper records of each employee and declare to the company their wages and earnings truthfully, otherwise in the event of a claim, the average condition in the policy shall apply.
• You shall not incur any expense or make any payment, settlement or arrangement in respect of any claim under this policy without the written authority/confirmation of the company.
5. What are the major exclusions under this policy?
This policy does not cover :
• any employee who is not a "workman” within the meaning of the Law(s)
• your liability to employees of Contractors.
• any injury by accident or disease sustained outside the Territorial Limit
• any liability assumed by agreement
• any injury by accident or disease attributable to war, nuclear weapons material, ionizing, radiations or
contamination by radioactivity from any nuclear fuel
• any liability of whatsoever nature attributable directly or indirectly to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereat.
(Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)
This policy does not cover :
• any employee who is not a "workman” within the meaning of the Law(s)
• your liability to employees of Contractors.
• any injury by accident or disease sustained outside the Territorial Limit
• any liability assumed by agreement
• any injury by accident or disease attributable to war, nuclear weapons material, ionizing, radiations or
contamination by radioactivity from any nuclear fuel
• any liability of whatsoever nature attributable directly or indirectly to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereat.
(Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)
6. Can I cancel my policy and how do I cancel it?
You may cancel your policy at anytime by giving written notice to our company in which case we shall retain the customary short period rate for the time the policy has been in force. Upon cancellation, you are entitled to a refund premium subject to the minimum premium to be retained by the company. No refund of premium will be allowed if there is a claim under the policy..
You may cancel your policy at anytime by giving written notice to our company in which case we shall retain the customary short period rate for the time the policy has been in force. Upon cancellation, you are entitled to a refund premium subject to the minimum premium to be retained by the company. No refund of premium will be allowed if there is a claim under the policy..
7. What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes to your contact details. This is to ensure that all the
correspondence will reach you in a timely manner.
It is important that you inform us of any changes to your contact details. This is to ensure that all the
correspondence will reach you in a timely manner.
8. Where can I get further information?
Should you require additional information about our Workmen’s Compensation insurance or any other types of insurance products, you may contact us directly at your convenience. Alternatively, you may visit our website at www.acpgconsultant.com
Should you require additional information about our Workmen’s Compensation insurance or any other types of insurance products, you may contact us directly at your convenience. Alternatively, you may visit our website at www.acpgconsultant.com
Workmen’s Compensation Insurance Malaysia
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:
The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:
The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
ACPG MANAGEMENT SDN BHD
www.acpgconsultant.com
We (ACPG), provided all classes of insurance services more than 23 years in Malaysia (since year 1989).
We (ACPG) One of The Largest General Insurance (Individual & Commercial Insurance) Solution Service Provider in Malaysia.
Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.
For ACPG Corporate Video posted on YouTube
at http://youtu.be/hwWKPU003gE for Malaysia Commercial Insurance (Business Insurance) and
at http://youtu.be/0hN64xcYgrI for Malaysia Individual Insurance (Personal Insurance). 
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