Protect your SME business from unexpected events with insurance that covers property, income, and liability to third parties.

SME Business Insurance: A Shield Against Business Risks

SME insurance is an essential tool for risk management and investment protection, especially for entrepreneurs who value long-term stability. With coverage limits ranging from 2 million to 50 million THB, it provides strong financial protection against major losses.

Key Features That Give You "Peace of Mind"

SME Business Insurance is designed to offer comprehensive protection for business owners. It covers core risks including:

Property damage

• Natural disasters
• Third-party liability
• Business interruption

This ensures your business is well-prepared to handle unexpected events such as fire, flooding, or theft allowing you to continue operations with confidence.

Businesses Suitable for SME Insurance and Risk Categories

SME Insurance is designed to meet the needs of entrepreneurs across various industries. Businesses are grouped according to their characteristics and primary risk exposures, ensuring the coverage you receive is "precisely matched" and best suited to your operations.

1. Group A: Offices, Services, Hospitality, Health/Wellness, and Education

This group involves businesses that provide customer-facing services and operate in high-traffic areas, leading to higher risks in terms of liability to third parties as well as property coverage.

• General Offices and Organizations: Such as corporate offices, associations, foundations, co-working spaces, and similar establishments where assets are concentrated in office areas.

• Hospitality Businesses: Such as hotels, resorts, guesthouses, hostels, apartments, and serviced residences focusing on liability risks from guests (injuries, accidents within the property) as well as property protection against fire, theft, and natural disasters.

• Health & Wellness Services: Such as clinics (general, dental, veterinary), beauty salons, spas, and fitness centers. Coverage focuses on protecting medical equipment and specialized tools, as well as liability for accidents occurring within the insured premises.

• Educational Institutions: Such as schools, learning centers, tutoring schools, and training centers covering both property risks and liability toward students/visitors.

2. Group B: Retail, Food & Beverage, and Specialized Service Businesses

This group relates to retail operations, inventory management, and cash handling. These businesses carry higher risks of burglary/theft, property damage, and business interruption.

• Food & Beverage Outlets: Such as restaurants, food courts, cafés, and bakeries. Key risks include kitchen-related fire hazards, burglary, and liability to customers (e.g., food poisoning, accidents on the premises).

• Retail Shops: Such as convenience stores, clothing shops, and grocery stores. Main risks include burglary, fire hazards, and liability toward customers visiting the premises.

• Specialized Service Businesses: Such as repair shops (non-manufacturing), salons, and laundry shops. Risks include electrical system failures, fire hazards, and property damage to customers belongings, in addition to burglary risks.

3. Group C: Manufacturing Plants and Small to Medium-This group involves businesses with high-value machinery assets and specific production processes, which face high risks of equipment damage as well as loss of raw materials and inventory.

• Food and Beverage Production Plants: Such as ice factories, bakeries, drinking water plants, sugar factories, and noodle factories. The focus is on protecting against machinery breakdown and production-related property damage.

• General Manufacturing Industries: Such as garment factories, pharmaceutical plants, machinery workshops, electrical equipment manufacturers, and metal factories. Key risks include fire, explosion, electrical hazards, and liability toward employees and third parties.

• Other Factories/Warehouses: Such as furniture factories, warehouses, and logistics centers. The focus is on protecting high-value machinery and stock from damage or accidents that could disrupt the production process.