Allianz Business Shield

A comprehensive business solution that gives you the flexibility to customise your business insurance coverages and sum assured

Exclusive Complimentary Benefits for Allianz Business Shield Customers

Exclusive benefit for Combined Policies: Purchase or renew both Allianz Business Shield and Student Personal Accident policies between 15 May 2024 and 31 December 2024 to receive a complimentary one time payout of RM3,000 if the kindergarten closes due to Hand, Foot & Mouth Disease. Click here to find out more.


Complimentary Fire Blanket: From 1 June 2024 to 31 December 2024, protect your business with Allianz Business Shield with a minimum fire gross premium of RM1,500 and receive a complimentary exclusive fire blanket on a first come, first served basis. Click here to find out more.

Your stories inspire us! We understand just what it takes to build and maintain a sustainable business. We’ve seen the sacrifices, hard work, and resources that go into the makings of every SME. That’s why we make it our mission to help you protect what you’ve built. Allianz Business Shield is a business solution with added flexibility that allows you to customise the types of coverage and sum insured to suit your business needs.
Flexible, comprehensive solutions that allows you to customise your plan at a Sum Insured suited to your budget
Covers up to 75 occupational codes
Inconvenience Relief Benefit
With our inconvenience relief benefit keep your business afloat with a daily cash allowance should your business be interrupted by fire or other covered perils or notifiable diseases such as COVID-19 
Profit Shield
Optional Profit Shield benefits that provides your business with protection of up to RM2 million for loss in profit & covers one-time costs for premise disinfecting service and test kits for employees in the event a notifiable disease manifests in the premises
Allianz Hospital Income
Optional Allianz Hospital Income benefit that provides an affordable medical coverage for your employees with daily hospital income of up to RM500 per day
Group Personal Accident Medical Cover
Optional add-on medical expenses cover offers your employees peace of mind in the event of accidental injury
Directors and Officers Liability Insurance
Optional Directors and Officers Liability Insurance safeguards your top management from the consequences of alleged or actual wrongful acts.
Take a moment to watch our fun and educational videos on how Allianz Business Shield can help you and your business!

Want to learn more about Allianz Business Shield?

Please reach out to us directly via our contact form.

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The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Allianz General Insurance Company (Malaysia) Berhad or PIDM (visit 
Business insurance is a type of insurance that protects businesses from financial losses caused by a wide range of potential risks. It helps businesses manage their liabilities, safeguard their assets, and ensure their continued operation in the event of unexpected events.
Fundamentally, business insurance offers financial protection, offering a risk management tool to safeguard the company's assets, property, and income. It is also legally mandated in various jurisdictions to have certain forms of business insurance. It also ensures business continuity in the event of unfortunate circumstances that may financially impact and disrupt the company’s business progress such as natural disasters or failures in business processes.
Tailored specifically for SMEs, the Inconvenience Relief Benefit (IRB) is a valuable addition. For a small additional premium, IRB safeguards your business in case of interruptions caused by events like fire, other covered perils, or notifiable diseases. This coverage provides the peace of mind essential for your business operations.
Depending on the types of business and industry, certain organisations are mandated by law to obtain a form of insurance coverage, for example, insurance that covers workers' compensation, construction industry and professional liability.
Yes, while there are standard business insurance policies available, we understand that each SME is unique. At Allianz, we offer flexible, comprehensive solutions that allow you to customise your plan at a Sum Insured suited to your budget. This ensures that your insurance provides the most effective and relevant protection for your SME's distinctive needs. 
Multiple factors such as type of business, size, coverage options, and previous insurance claims may affect the premium price. Get in touch with our agents to discuss in detail the insurance coverage tailored to your business needs.
Yes, there is a maximum coverage amount for business insurance policies offered by Allianz Malaysia. The specific limit depends on the type of coverage or benefit that you have chosen.
The right business insurance for SMEs in Malaysia is highly dependent on the nature of the business and industry that your organisation is involved in. Allianz Malaysia for example has a comprehensive list of coverage that is highly customisable to suit many types of businesses. Get in touch with our agents to discuss in detail the best possible insurance coverage.
Running a business, especially small and medium-sized enterprises (SME), in today’s environment is increasingly challenging. With the sacrifices, resources and hard work involved, protect what you have built with Allianz Business Shield featuring added flexibility to customise coverage and sum insured according to your business needs.
A standard insurance for your business premise, fire insurance covers your property against losses or damages caused by fire, lightning, and explosion. As an enhancement to a typical fire insurance in Malaysia, Allianz’s Fire Consequential Loss Insurance covers loss of profit upon business interruption due to fire and named perils.
A comprehensive insurance plan that understands the importance of a business and ways to protect it, it comes with the added flexibility that allows you to customise the types of coverage and sum insured according to your business requirements.
This option provides protection of up to RM2 million for any loss in profit or damage of more than 15% of the total sum insured due to insured perils. In addition, Profit Shield provides a one-time cost for premise disinfecting services and test kits for employees in the event of a COVID-19 outbreak.
For SMEs where daily cash flow is important, Inconvenience Relief Benefit (IRB) provides a daily cash allowance of up to RM2,000 for the duration of repair work, up to a maximum of 180 days. Unlike regular Fire Consequential Loss Insurance, documentation on the company statement of accounts is not required, ensuring a straightforward and quick claim process.
On top of that, SME business owners can provide added protection for their employees with Allianz Hospital Income. Allianz Hospital Income provides insurance for SME employees with a medical plan that provides daily allowances of between RM100 and RM500 for up to 60 days upon hospitalisation due to accidents, illnesses, or diseases.

No matter how perfect your business performance and directions are, business interruptions amidst events such as the COVID-19 outbreak or flash flood can catch you off-guard. Additional substantial costs will incur in anticipation of protecting the well-being of your employees, compliance to regulations such as disinfecting premises and providing COVID test kits and even closure of premises, just to name a few. With Allianz Business Shield, business owners can benefit from daily cash allowances to mitigate possible losses from the inability to operate, which will allow them to weather the storm, minimizing undesirable financial impacts.

Manage the downsides and the upsides will take care of itself. Get in touch with us to know how Allianz Business Shield is your ideal business protection partner.