Introduction

IKHLAS NIAGA TAKAFUL is designed to provide a comprehensive coverage not only for small and medium industries (SMIs) and small and medium entreprenuers (SMEs) which includes shop houses and offices, clinics, retailers and wholesalers. The package contains 3 unique plans that that one can choose from which offer customized protection according to specific needs of individual business owners.
It provides a wide range of covers and benefits designed to give maximum protection to different businesses at affordable prices. You decide how much to pay based on the plans available.

The different types of packages available are: -
• IKHLAS OfficeNIAGA- for offices and other similar occupations.
• IKHLAS RetailNIAGA- for provision shops, minimarts, tailors, small workshops and contractors and the like.
• IKHLAS ComercialNIAGA- for restaurants, coffee house, wholesalers, shophouses and the like.
• IKHLAS ClinicNIAGA- for doctors and dental clinics or surgeries.

What does IKHLAS Niaga Takaful Cover?

FIRE AND ALLIED PERILS
Your building (whether your own or legally responsible as tenant) and its contents are covered against loss and/or damage due to Fire and Lightning.
Other additional perils such as flood, impact damage by road vehicles, damage caused by aircraft or aerial devices or items dropped from such aircraft or aerial devices, etc. can be included with additional contribution.

COMPREHENSIVE PERILS (ALL RISK)
Loss, damage or destruction to your property such as office equipment, personal computers and electronic equipment on hire purchase or lease are protected against any accident, fire, theft or other misfortune not specifically excluded.

MACHINERY AND EQUIPMENT ALL RISK
Your machinery and equipment (movable and immovable) are protected against loss, damage or destruction caused by any accident, fire, theft or other misfortune not specifically excluded.

BURGLARY
Any loss of or damage to stock in trade, furniture, fixtures and equipment within the covered premises due to theft through forcible entry to or exit from the building are covered under this section.

MONEY
Loss or destruction of or damage to money in transit, in premises during and after working hours and in residence overnight is covered. In addition, loss of or damage to the safe or strong room as a result of theft or attempted theft or robbery is also covered.

PLATE GLASS
Your fixed glasses are protected against accidental breakage or damage.

PUBLIC LIABILITY
Provides cover for legal liability in respect of bodily injury /illness and /or/ loss or damages to third party’s property as a result of an accident arising from the business within the territorial limit specified in the certificate

EMPLOYERS LIABILITY
You, as the employer, are protected against the common law liability in respect of bodily injury or death sustained by his employee/s in an accident whilst in the course of employment.

GROUP PERSONAL ACCIDENT
Group Personal Accident takaful is essential to protect a group of people, in this case your employees, against bodily injury or death due to accident. Coverage is for 24 hours and worldwide.