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OFFICE PROTECT

LG Hizon offers an office protect program. Do your office task without worries!

Further more, Office Protect has also the most complete coverage against office hazards that might paralyze your operations.

Coverage

Property Damage

  • Fire and or Lightning
  • Wider Coverage (Smoke, Falling Aircraft, Vehicle Impact, Explosion)
  • Riot, Strike and Malicious Damage (RSMD)

Other Coverages

  • Comprehensive General Liability Insurance- protects you from liability to third parties such as customer who suffers bodily injury and/or property damage that arises from your business operation and occurring within the premises of your business. The cover also includes Fire and Explosion Legal Liability, Tenants Legal Liability and Premises Medical Payment.
  • Money, Securities and Payroll Insurance u2013 covers you for loss of money or securities stored within your business premises, including money in transit from the premises to the bank and vice-versa as a result of robbery or any attempt threat.
  • Personal Accident Insurance u2013 gives benefits to you or your employees in case of accident. Coverage includes accidental death and disablement as well as medical and burial expenses.
  • Electronic Equipment Insurance u2013 provides protection for your electronic equipment such as desktop computers, printers, and other data processing apparatus, communication equipment against electronic breakdown.
  • Plate Glass u2013 covers breakage of fixed glass or building glass walls caused by the perils other than those covered under Property Damage.
  • Extra Expense u2013 provides cover for the necessary extra expense incurred in order to continue as nearly as practicable the normal operation of your business following an insured loss.
  • Extra Expense is defined as the excess of the total cost incurred during the period of restoration, chargeable to the operation of the insuredu2019s business, over and above during the same period had no damage or destruction occurred.

Other Perils that can be covered under Property Damage:

  • Earthquake
  • Typhoon
  • Flood
  • Volcanic Eruption
  • Robbery and Burglary
  • Broad Water Damage with Bursting & Overflowing of Water Tanks and Apparatus