---
title: Fire, Burglary & All-Risk Insurance Malaysia | Cover Buddies
description: Fire insurance for Malaysian businesses, plus burglary, all-risk and commercial property cover. Protect premises, stock and income. Get a free quote.
image: https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Fire%20Insurance%204.png
---
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# Fire Insurance for Businesses in Malaysia
A fire can stop a business overnight. Fire insurance covers the damage to your premises, stock and equipment, and the right policy can also cover the income you lose while you rebuild. Cover Buddies helps you choose the cover that fits your property and your budget.
[GET A FIRE INSURANCE QUOTE](https://www.coverbuddies.com/request-information-commercial?hsLang=en)
## What fire insurance covers
A basic fire policy protects against loss or damage from fire, lightning and explosion. Depending on the policy, cover can be extended to other risks such as floods, storms and landslides.
## Types of cover for businesses
- **Basic fire insurance:** the core protection against fire, lightning and explosion. It is the minimum lenders usually ask for, and it may leave other risks uncovered.
- **Fire consequential loss:** pays for lost income and extra running costs while your business is disrupted by fire damage.
- **All-risk insurance:** the widest cover, adding risks such as theft and malicious damage. [Learn more about all-risk insurance.](https://www.coverbuddies.com/en/knowledge-hub/what-is-all-risk-insurance?hsLang=en)
## Beyond fire: burglary, all-risk and commercial property cover
Fire is only one way a business loses its premises, stock or equipment. Most SMEs add one or more of these to their fire policy, and we can arrange them together.
- **Burglary insurance:** covers stock and contents stolen from your premises. Policies usually expect evidence of forced entry, so check the wording. [Burglary insurance in Malaysia](https://www.coverbuddies.com/en/knowledge-hub/safeguard-your-property-and-peace-of-mind-with-burglary-insurance-in-malaysia?hsLang=en) | [Can I claim if there was no forced entry?](https://www.coverbuddies.com/en/knowledge-hub/can-i-claim-on-my-burglary-insurance-if-there-was-no-forced-entry?hsLang=en)
- **All-risk insurance:** covers accidental loss or damage to property unless the policy specifically excludes it, which makes it broader than a named-perils fire policy. [Is all-risk worth it if I already have fire insurance?](https://www.coverbuddies.com/en/knowledge-hub/is-all-risk-insurance-worth-it-if-i-already-have-fire-insurance?hsLang=en)
- **Commercial property insurance:** a package approach to insuring your building, stock, machinery and fit-out under one arrangement. [What is commercial property insurance?](https://www.coverbuddies.com/en/knowledge-hub/what-is-commercial-property-insurance?hsLang=en)
If you are not sure which combination fits your premises, [tell us about your business](https://www.coverbuddies.com/request-information-commercial?hsLang=en) and we will recommend one. Looking at your wider cover? See our [business insurance overview](https://www.coverbuddies.com/commercial-insurance?hsLang=en).
## Get the details right
- **Sum insured:** if it is too low, you are underinsured and may not be paid in full. [What is under-insurance?](https://www.coverbuddies.com/en/knowledge-hub/what-is-under-insurance?hsLang=en)
- **Deductibles:** the amount you pay first when you claim. For example, with a RM1,000 deductible and a RM10,000 claim, you pay the first RM1,000 and the insurer pays the remaining RM9,000. If the loss is only RM800, you pay all of it. [Deductibles, excess and retentions explained.](https://www.coverbuddies.com/en/knowledge-hub/deductibles-excess-and-retentions?hsLang=en)
- **Exclusions:** check what is not covered before you sign.
## How Cover Buddies can help you
We help you compare options, set up the policy, and handle claims and follow-ups, so you deal with one team instead of several insurers.
Claims speed depends on the insurer, but some move quickly. After the Putra Heights gas pipeline incident, for example, some insurers offered fast-track processing: non-motor claims up to RM25,000 were approved within one working day of receiving the adjuster's report, and larger non-motor claims received a 20% interim payment within one working day. [See how we assisted with the Putra Heights gas pipeline incident.](https://www.coverbuddies.com/en/knowledge-hub/claims-on-putra-heights-gas-pipeline-incident?hsLang=en)
## Common questions
### Is fire insurance compulsory?
It is required if you have a mortgage or property loan from a bank. Even without one, we recommend it to protect your assets.
### What is fire consequential loss?
Cover for the income you lose and the extra costs you face while your business recovers from a fire.
### Does fire insurance cover theft?
Not by itself. Theft is covered by burglary insurance or an all-risk policy, which you can add alongside your fire cover. [Does fire insurance cover theft in Malaysia?](https://www.coverbuddies.com/en/knowledge-hub/does-fire-insurance-cover-theft-in-malaysia?hsLang=en)
### What is under-insurance?
Insuring your property for less than it is worth, which can reduce what you are paid at claim time. For example, if it would cost RM400,000 to rebuild your premises but you insured it for RM200,000, you are 50% under-insured. A fire causing RM50,000 of damage would then pay out only RM25,000, because the insurer can apply an average clause (sum insured ÷ rebuild value × loss). In a total loss, you would receive at most the RM200,000 you insured for, leaving you RM200,000 short of the rebuild cost.
Read our full guide: [Essential Tips for Choosing the Right Fire Insurance in Malaysia](https://www.coverbuddies.com/en/knowledge-hub/safeguard-your-property-essential-tips-for-choosing-the-right-fire-insurance-in-malaysia?hsLang=en).
Related reading: [Does Fire Insurance Cover Theft in Malaysia?](https://www.coverbuddies.com/en/knowledge-hub/does-fire-insurance-cover-theft-in-malaysia?hsLang=en) | [Is All-Risk Insurance Worth It If I Already Have Fire Insurance?](https://www.coverbuddies.com/en/knowledge-hub/is-all-risk-insurance-worth-it-if-i-already-have-fire-insurance?hsLang=en)
[Get a fire insurance quote](https://www.coverbuddies.com/request-information-commercial?hsLang=en) | [WhatsApp us](https://wa.me/message/RCLFWAZGWXTKC1) | [Request a call](https://www.coverbuddies.com/request-a-call?hsLang=en)
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