Insurance Solutions for SMEs
About Us
Bizpers Risk Advisory Sdn Bhd is dedicated to providing comprehensive insurance solutions tailored to the unique needs of small and medium-sized enterprises (SMEs) in Malaysia. Our expert team understands the challenges faced by SMEs and is committed to offering reliable and cost-effective insurance options to safeguard their businesses.
What We Cover
1. Business Profile Analysis
Before recommending any coverage, conduct a risk profiling assessment:
• Industry type
• Number of employees
• Revenue size
• Operational risks
• Asset value
• Existing coverage (if any)
• Business goals (expansion, succession, etc.)
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2. Core Corporate Insurance Coverage
A. Employee Benefits Solutions
Protect and retain key talent while promoting health and productivity:
• Group Medical Insurance – hospitalization, outpatient, specialist care
• Group Personal Accident – 24/7 accident protection
• Group Term Life Insurance – life coverage for all staff (e.g., 3x annual salary)
• Critical Illness Riders – optional for enhanced protection
• Maternity Benefits / Panel Clinics (optional add-on)
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B. Keyman Insurance
Protect the business against financial losses due to the death or disability of a key employee (e.g., CEO, founder, technical lead):
• Lump sum payout to the company
• Can include critical illness coverage
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C. Business Continuity & Succession Planning
• Buy-Sell Agreements (Funded by Insurance)
- Ensures smooth ownership transfer if a partner dies or becomes disabled
• Shareholder/Partnership Insurance
- Ensures liquidity for share redemption
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D. Property & Asset Protection
Safeguard business physical assets:
• Fire & Perils Insurance
• Burglary / Theft Insurance
• Machinery Breakdown
• Electronic Equipment Insurance
• Contractor’s All Risk (if applicable)
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E. Liability Protection
Protect against legal liabilities and financial loss:
• Public Liability
• Product Liability (especially for manufacturers)
• Professional Indemnity (for service-based industries like consultants, legal, etc.)
• Director & Officers Liability (D&O)
• Employer’s Liability
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F. Business Interruption Insurance
• Compensates for loss of income if business operations are halted due to covered events.
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3. Additional coverage
• Cyber Insurance – protects against data breaches, ransomware
• Credit Insurance – protects against customer non-payment
• Marine / Cargo Insurance – for import/export businesses
• Fleet / Commercial Vehicle Insurance
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