1

Coverage for SME business

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Coverage includes the burglary.*

3

Coverage includes the bodily injury, death, and properties of third parties

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No deductible

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Affordable premium

*Subject to conditions required by LMG.

Key Benefits

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Group Business Type
Business Group

SME Secure Plus offers the coverage for 3 SME groups as follows:

   
Group S Office, clinic, restaurant, café and bakery house, florist, book store, dormitory, guest house, fitness, educational institute, pawnshop, club, beauty parlor.
Group M Retail shop, photo studio, laundry, tailor shop, sign board shop, glass shop, curved steel shop, clock shop, glasses shop, curtain shop, bicycle shop, restaurant, photo frame shop, cloth shop.
Grouup L Karaoke shop, studio, spa, furniture shop, door making shop, lathe shop, motor repair shop, plastic alliances shop, ice making shop.

The insured property includes the building (excluding foundation) and other contents within the insured property from the main coverage and extra additional coverage offered by LMG.

Main Coverage Sum Insured
Benefit schedule
   
1.Fire, lightning, windstorm, vehicle impact,  smoke aircrafts, water damage, bush fire,  earthquake, explosion, riot strike, malicious acts and vandalism, hail THB 500,000 or higher
2.Loss or damage caused by burglary to the insured property with forcible entry /  exit including robbery at insured premises. Maximum THB 50,000 / accident and THB 500,000 / year 
3.Loss of cash in premises caused by burglary Maximum THB 50,000 / accident and THB 500,000 / year 
4.Third party liability for bodily insjury and property damage within the insured Maximum THB 50,000 / accident and THB 500,000 / year 
Additional coverrage
   
5.Loss or damage to plate glass caused by accidential breakage Maximum THB 50,000 / accident and THB 50,000 / year 
6.Electrical injury Maximum THB 30,000 / accident and THB 30,000 / year
7.Repair cost of entrance caused by burglary Maximum THB 10,000 / accident / year
8.Cost of debris removal from loss under major coverage 1. Maximum 10% of loss of any one accident
9.Cost of fire extinguishing Maximum 10% of loss of any one accident

 

Other conditions
  • The insurance applies to Superior Class building (Concrete with steel roof and tile roof). For upcountry, the premise must locate in general common area only
  • The premise must not locate in department store or plaza and  dangerous zone announced by Office of Insurance Commission
  • The company's Total liability is not exceed the Sum insured in No.1
  • The Company shall inform in advance for the risk survey is needed
General Exclusions/Excluded Property
  • Gold and gold bullion, jewelry, gems, precious stone, antiques, documents, manuscripts, paintings, securities, stamps etc.
  • Glass, China earthware, Marble or other fragile or brittle objects
  • Explosive items, all vehicles either road use, waterborne or airway
  • War and Terrorism exclusion

The statements are only a summary of important information. For more information, please contact nonmotor@lmginsurance.co.th.

This brochure is not an insurance contract. The precise terms and conditions are specified in the policy contract. The applicant should study coverage details and conditions before applying for an insurance policy.

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