Insurance Built for How Malaysian SMEs Really Operate
Running a business means managing growth, people, cash flow, and risks you can’t always see coming.
SOMPO FlexiSME, specially designed for Berjaya Sompo’s Fire Policyholders, is a practical, no nonsense insurance solution designed for Malaysian SMEs that want protection without complexity, flexibility without gaps, and a partner, not just a policy.
Who This Is For
Existing SOMPO Fire policyholders, and if this sounds like your business, you’re in the right place.
- Small to medium enterprises
- Retail, F&B, services, offices, light industrial
- Businesses with employees, customers, cash handling, or equipment
- Owners who want essential cover without over buying
Industries We Commonly Support
The Real Risks SMEs Face Today
Most SME losses don’t come from rare disasters. They come from everyday incidents.
- A customer slips in your shop
- A staff injury turns into a legal claim
- Cash goes missing during bank runs
- Equipment damage halts operations
- Employee dishonesty drains finances
Fire insurance alone doesn’t cover these.
That’s why SOMPO FlexiSME was built to protect operations, not just premises.
Three Practical Ways to Get Protected
Plan A – Essential Protection
For SMEs that want straightforward, preset cover at an affordable cost.
Plan B – Broader Protection
Higher limits for growing businesses with increased exposure.
Flexible Plan – Build Your Own
Choose the coverages that match how your business actually operates. (Minimum 2 sections required)
Note: Berjaya Sompo Fire policy is required. FlexiSME is an add‑on extension, not a standalone policy.
What Makes SOMPO FlexiSME Different
Designed for Real‑World SMEs
Packaged Protection
Essential covers bundled, less paperwork.
Flexible Options
Customise based on your operations, not assumptions.
Straightforward Onboarding
Minimal friction, expert help.
Local Expertise
Backed by Berjaya Sompo’s SME experience.
What You’re Covered For (Essential SME Coverages)
Money
Protects cash in transit or on premises, so one incident doesn’t disrupt cash flow.
Burglary
Covers losses from forced entry and theft of business property.
Glass
Pays for broken storefront windows or signage; common but costly incidents.
Employer’s Liability
Protects against claims from employees injured at work due to negligence.
Public Liability
Covers third‑party injury or property damage claims linked to your business.
Fidelity Guarantee
Shields your business from financial loss due to employee fraud or dishonesty.
All Risks
Protects equipment and assets against accidental damage.
Equipment Breakdown
For businesses relying on machines, tools, or mobile equipment.
Group Personal Accident
Provides financial protection for employees in case of accidental injury or death.
How Much Coverage Is Enough?
Choosing the right limit isn’t about buying the highest numbers.
It’s about:
- Your customer traffic
- Number of employees
- Daily cash handling
- Nature of operations
Our SME specialists help you right‑size your protection, so you don’t under‑insure, or overpay.
Getting Covered in 3 Steps
1. Tell us about your business
2. Choose a plan or customise your cover
3. Get protected with confidence
Real Support When It Matters
Insurance only matters when something goes wrong.
With Berjaya Sompo, you’re backed by:
- Dedicated customer service
- Experienced claims professionals
- Clear policy guidance
We focus on helping businesses recover faster, not just settle claims.
Ready to Protect Your Business?
Whether you’re insuring your business for the first time or reviewing existing coverage, we’re here to help you make sense of it.
Why Businesses Trust Berjaya Sompo
Licensed and regulated under Malaysia’s Financial Services Act.
Benefits protected by PIDM (subject to limits).
Backed by Sompo’s regional and global expertise.
Committed to long term SME partnerships, not transactional sales.
Still Exploring?
Learn More Before You Decide.
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Here for You. Every Step of the Way.
When it comes to protecting your business, you need more than an insurance provider — you need a partner you can trust. We're here to ensure every experience is as seamless as it is reassuring.
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