• Highlights
  • Insurance Terms
  • Benefits and Coverage
  • FAQs
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Highlights

Suitable for owner

Suitable for owner

Suitable for owner of factory, hotel, condominium, apartment, mini mart etc.

This package for an enterprise

This package for an enterprise

This package for an enterprise may require more coverage other than fire.

Cover loss

Cover loss

Cover loss or damage to the building, furniture, machinery, stock etc.

Coverage and premium

Coverage and premium

Coverage and premium can be customised to your business needs


 

 

  • รับประกันภัยโดย บริษัท เทเวศประกันภัย จำกัด (มหาชน)

  • ธนาคารเป็นเพียงนายหน้าผู้ชี้ช่องให้ทำประกันภัยเท่านั้น

  • การรับประกันภัยเป็นไปตามเงื่อนไข และหลักเกณฑ์ของ บริษัท เทเวศประกันภัย จำกัด (มหาชน)

  • ผู้ซื้อโปรดศึกษาและทำความเข้าใจรายละเอียดความคุ้มครองข้อมูลเพิ่มเติมเรื่องข้อกำหนดการจ่ายผลประโยชน์ เงื่อนไข และสิทธิประโยชน์ตามกรมธรรม์ ก่อนตัดสินใจทำประกันทุกครั้ง

Insurance Terms

  1. No limitation of the sum insured (Range of Sum Insured depending on Occupancy or the Business of the Insured)
  2. Insurance Premium will be following the tariff rate as declared by the Office of Insurance Commission (OIC)
  3. Except political risk.

Benefits and Coverage

Cover loss of or damage caused by:-

  • Fire, lightning, explosion, aircraft, vehicles impact, water damage, windstorm, flood, earthquake or volcanic eruption or tidal wave or tsunami, hail
  • Smoke, bushfire
  • Electrical injury 
  • Riot & strike, vandalism & malicious acts (except political risk) and
  • Accidental damage from any other external causes subject to terms and conditions as specified under the Accidental Damage (Property) Insurance Policy

Cover loss of or damage caused

Get Answers About this Product

FAQs about Insurance

What is Industrial All Risks (IAR)?

Industrial All Risks (IAR) Insurance provides coverage for loss of or damage to insured property caused by a wide range of risks, except those specifically excluded under the policy. It offers broader protection than standard fire insurance.

What types of businesses are suitable for Industrial All Risks (IAR)?

Industrial All Risks (IAR) is suitable for businesses such as factories, hotels, condominium juristic persons, dormitories, apartments, and retail stores.

What is the maximum sum insured available under Industrial All Risks (IAR)?

There is no maximum sum insured limit under Industrial All Risks (IAR). The minimum and maximum sums insured are subject to underwriting consideration based on the type of business.

How should the sum insured be determined for Industrial All Risks (IAR)?

The sum insured should be based on the property's Replacement Value to ensure adequate compensation in the event of loss or damage.

What types of property are covered under Industrial All Risks (IAR)?

Industrial All Risks (IAR) covers business premises and related assets, providing broader and more comprehensive protection than standard fire insurance.

What perils are covered under Industrial All Risks (IAR)?

Industrial All Risks (IAR) covers fire, lightning, explosion, aircraft impact, vehicle impact, water damage, windstorm, flood, earthquake, volcanic eruption, tidal wave or tsunami, hail, smoke damage, bushfire, electrical damage, riots, strikes, malicious acts, and other accidental external causes, subject to the policy terms, conditions, and exclusions.

Industrial All Risks (IAR) cover furniture?

Industrial All Risks (IAR) covers business assets, including furniture and other property located at the insured premises, subject to the policy terms and conditions.

What are the key exclusions under Industrial All Risks (IAR)?

In general, Industrial All Risks (IAR) does not cover losses arising from war, terrorism (unless additional coverage is purchased), normal wear and tear, gradual deterioration, or intentional acts by the insured.

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