MSME Insurance

According to a research study commissioned by PT. Semeru Cakrawala Inti and titled "Digitalization of MMSMEs in Indonesia" Accelerates Further," MSMEs in Indonesia are generally optimistic about their businesses but not the overall economy. The results are concerning since MSMEs appear to be ill-prepared for the volatility of the global economy and markets, as well as underestimating new dangers. Many people, in reality, lack adequate protection against some of the most prevalent dangers. They employ about half of the city's workforce, therefore the effects on the company and perhaps the economy as a whole might be significant.

We at PT. Semeru Cakrawala Inti create all-inclusive business insurance plans to satisfy MSMEs' requirements. We are confident that having the appropriate protection in place will allow you to concentrate on your business with peace of mind and confidence.

Shop/Office Protection Package

This comprehensive solution is a good option if you're looking for a straightforward, bundled solution to safeguard your company from the most common threats.

The following types of small enterprises are targeted by the product:

Up to 50 employees.
Turnover up to $115 million.
Property Sum Insured up to $150 million.

Cover Section	Shop Protection Package (HK$)	Office Protection Package (HK$)
Trade/ Office Contents All Risk	$150,000,000	$150,000,000
Business Interruption/ Loss of Income	$500,000	$1,000,000
Breakage of Glass	$50,000 or 10% of Trade Contents, whichever is lesser	N/A
Money	$30,000	$50,000
Malicious Attack	$1,000,000	$1,000,000
Public Liability	$10,000,000	$10,000,000
Optional Cover (HK$)
Employees’ Compensation	$200,000,000	$200,000,000

Shop/Office Protection Package

We are aware that just as no two businesses are alike, neither are your insurance requirements. This is the product for you if you want more comprehensive coverage. It provides a custom-made solution that may be made to fit your budget and unique requirements.

The product is intended for MSMEs who satisfy the subsequent requirements:

Fifty or more workers (For a customized quote, please get in touch with your PT. Semeru Cakrawala Inti account handler if your company employs fifty or more people.).
Turnover up to $15 million.
Property/Business Interruption Sum Insured up to $10 million.

By combining all of your insurance requirements into a single policy with a single insurer, you can save time and money by choosing to take out a mono line or bundled policy. To better meet your needs, ten distinct insurance coverage options are available.

Product categories with options for bundled or monoline policies:

Mono Line Policy	Bundled Policy
Options that can be taken individually: Property All Risks Public and Products Liability Inland Transit Group Personal Accident	Options that can be taken up with Property All Risks: Business Interruption Miscellaneous Property Money Machinery Breakdown and Electronic Equipment Fidelity Guarantee	Option that can be taken up with Property All Risks or Public and Products Liability: Employees’ Compensation

Depending on your demands, Business Insurance Solution provides two coverage levels with various limits:

Cover Section	Shop Protection Package (HK$)	Office Protection Package (HK$)
Trade/ Office Contents All Risk	$150,000,000	$150,000,000
Business Interruption/ Loss of Income	$500,000	$1,000,000
Breakage of Glass	$50,000 or 10% of Trade Contents, whichever is lesser	N/A
Money	$30,000	$50,000
Malicious Attack	$1,000,000	$1,000,000
Public Liability	$10,000,000	$10,000,000
Optional Cover (HK$)
Employees’ Compensation	$200,000,000	$200,000,000

MSME Insurance

MSME Insurance

Shop/Office Protection Package

Shop/Office Protection Package

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