Business Property Insurance (SME) Thailand

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Business Property Insurance (SME) Insurance in Thailand: Protecting Your Business with Comprehensive Coverage

As a business owner in Thailand, you understand the importance of protecting your business from various risks and uncertainties. One way to safeguard your business is through SME insurance, which provides coverage for various unexpected events that can cause financial losses. Listed Below is the coverage that would typically be included in your SME insurance package.

List Of Coverage

  1. Fire and Other Natural Disasters Coverage
  2. Burglary and Theft Coverage
  3. Liability Coverage
  4. Plate Glass Coverage
  5. Electrical Injury Coverage
  6. Entrance Repair Coverage
  7. Debris Removal Coverage
  8. Fire Extinguishing Coverage
  9. Neon Sign and Sign Board Coverage
  10. Temporary Outlet Rental Coverage
  11. Loss of Income Coverage


Fire and Other Natural Disasters Coverage

The first and most basic coverage an SME insurance must have is fire and other natural disaster coverage. This coverage protects your business from financial losses caused by events such as fire, lightning, windstorm, vehicle impact, smoke, aircraft, water damage, bush fire, earthquake, explosion, riot strikes, malicious acts and vandalism, hail, and other natural disasters. This coverage typically includes the cost of repairing or rebuilding your business premises, replacing damaged equipment or inventory, and loss of income during downtime.

Burglary and Theft Coverage


Burglary and theft coverage is another essential type of SME insurance coverage that protects your business from financial losses caused by theft or burglary. This coverage includes loss or damage caused by burglary to the insured property with forcible entry/exit, including a robbery at the insured premises. It also covers loss of cash on premises caused by burglary. This coverage can help you recover the cost of replacing stolen items or repairing damages caused by the break-in.


Liability Coverage

Liability coverage protects your business from financial losses caused by third-party liability claims for bodily injury and property damage.


Plate Glass Coverage

Plate glass coverage protects your business from financial losses caused by accidental breakage of plate glass. This coverage is especially important for businesses with large glass storefronts or windows.


Electrical Injury Coverage

Electrical injury coverage protects your business from financial losses caused by electrical injury or self-heating.


Entrance Repair Coverage

Entrance repair coverage protects your business from financial losses caused by burglaries or break-ins.


Debris Removal Coverage

Debris removal coverage protects your business from financial losses caused by debris removal from loss under major coverage 1, which includes fire and other natural disasters coverage. This coverage includes the cost of removing debris from your business premises after a covered event has occurred.


Fire Extinguishing Coverage

Fire extinguishing coverage protects your business from financial losses caused by the cost of putting out a fire.


Neon Sign and Sign Board Coverage

Neon sign and sign board coverage protects your business from financial losses caused by damage to your neon sign or signboard. This coverage includes the cost of repairing or replacing your neon sign or signboard caused by fire, lightning, explosion, burglary, or accident.


Temporary Outlet Rental Coverage

Temporary outlet rental coverage protects your business from financial losses caused by the need to rent a temporary outlet. This coverage includes the cost of renting a temporary outlet while your business premises are being repaired or rebuilt after a covered event.


Loss of Income Coverage

Loss of income coverage protects your business from financial losses caused by a covered event that results in a loss of income.


Choosing the Right SME Insurance Coverage

Choosing the right SME insurance coverage for your business can be hard to determine and it also greatly depends on your business's specific needs and risks. You should reach out to our specialist to determine which types of coverage are most important for your business. We can help you tailor your coverage to meet your business's specific needs and budget.


How to Buy Business Property Insurance (SME) Insurance

Buying Business Property Insurance (SME) insurance is simple & easy

To apply for Business Property Insurance (SME) insurance, we will need the documents from you below (This applies to every insurance company) :
  1. Complete the Application form via our website. Or buy through our staff through email or @LINE
  2. Send a copy of your Passport(Foreigner) or ID Card (For Thais)
  3. Send a copy of the House Registration
  4. Pay Premium
  5. Immediate Protection (We will Send a Temporary PDF to you confirming your coverage)
  6. The original documents (policy) will be sent to your mailing address within 7-14 days
Documents can be sent as a photo via email at [email protected]


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