LMG SME Ultra Value

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Key Benefits

1

Design the coverage suitable for SME businesses

2

Coverage includes the burglary.*

3

Special coverage is extended to the peril of flood

4

Affordable premiums

5

A single premium payment for the maximum coverage of 3 years

*Subject to conditions required by LMG

We have got your needs covered

Compare our plans in details, you'll definitely find something that suits you

Main Coverage	Sum insured / Limit of Liability

Benefit schedule

SME Ultra Value plan offers more comprehensive coverage for medium-sized and small-sized businesses in 4 following groups:

1) Office, dormitory, apartment, guest house, education, associations, fitness, clinic, nursery

2) Restaurant, hotel, internet shop, café and bakery shop, beauty salon, spa, and aesthetic shop

3) Retail shop, laundry, photo shop, cloth shop, watch shop, dressmaking shop, name card printing shop, drug store, gift shop, pet food shop, electric alliances repair shop

4) Shop and restaurant located in the shopping mall and department store.

This plan gives the coverage to the building insured (excluding foundation) and other contents within such premise from the major coverage and other special coverages provided by LMG.


1. Fire, lightning, explosion, water damage, earthquake, aircraft, vehicle impact, riot strike, malicious acts and vandalism, windstorm, hail, smoke	THB 500,000 or higher
2. Flood	Limit of THB 100,000 per occurrence and per year
3. Electrical injury	Limit of THB 100,000 per occurrence and per year

Special Extended Coverage

	Third Party
1. Loss or damage caused by burglary to the insured property with forcible entry/exit, including robbery at insured premises.	Limit of THB 200,000 per occurrence and per year
2. Money insurance (PorNgor 2) - Loss of money inside the Premises (during working hours) - Loss of money inside Safe or Strong room (after working hours)	Limit of THB 100,000 per occurrence and per year
3. Loss of damage to plate glass caused by accidental breakage	Limit of THB 100,000 per occurrence and per year
4. Third party liability for bodily injury and property damage within the insured premises	Limit of THB 200,000 per occurrence and per year
5. Cost of debris removal from loss under major coverage 1.	Maximum 10% of loss any one occurrence
6. Cost of fire extinguishing	Maximum 10% of loss any one occurrence
7. Cost of fire brigade charges	Maximum 10% of loss any one occurrence
8. Personal effects	THB 2,000 per person and THB 100,000 per occurrence

Notes

Insurance Terms and Conditions

The package applies to Superior class (Concrete with steel roof beam and tile roof). For Upcountry, premise must locate in general common area only.
The insured’s premises must not be located in a dangerous zone announced by the Office of Insurance Commission (OIC).
The company’s limit of liability should not exceed the sum insured under main coverage 1.
The company will inform in advance in the event of survey is required.

General Exclusions

Wooden or half wooden premises or locate in conflagrative block
Gold and gold bullion, jewelry, gems, precious stone, antiques, documents manuscripts, paintings, securities, mold or block, stamps, etc.
All explosive items, all vehicle either roaduse, waterborne or airway
War and Terrorism exclusion
Y2K / millennium exclusion.
Electronic data and internet exclusion

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.