KinderShield PGTO (Professional, General & Teaching Organisation Liability)
KinderShield PGTO protects kindergartens and their teachers or staff from being sued (legal claims) by parents, guardians, or third parties due to accidents, mistakes, or misconduct in the course of running the kindergarten.
What’s Covered:
- Legal Claims: Covers claims made by parents, guardians, or others if they believe the kindergarten made a professional mistake or failed in their duties.
- Employee Dishonesty: If a teacher/staff member steals or commits fraud, and the kindergarten is sued, it covers up to RM500,000.
- Bodily Injury: Only covered if caused by failure in performing professional duties.
What’s Not Covered:
- Late Premium Payment: If the premium is not paid within 60 days, the policy may be cancelled from the start.
- Overseas Activities: Not covered if claims are brought outside Malaysia or for activities outside Malaysia.
- Special Tutoring: Claims related to private tutoring are not covered.
- Sexual Misconduct: No coverage for claims involving molestation or sexual abuse.
- Cyber & Data Breach: Not covered if caused by hacking, data leaks, viruses, etc.
- Property Damage: Damage to any property is not covered.
- Restricted Territories: No coverage for any claims involving Belarus or Russia.
Coverage Summary:
- Limit of Liability: Based on Option A,B,C (Total per year)
- Retention (Deductible): RM7,500 per claim (for professional/managerial claims)
For further detail, please refer to the flyer
KinderShield BIZ
KinderShield BIZ protects kindergartens and daycare centers from multiple risks — including theft, cash loss, damage, dishonest employees, and public liability. Each coverage has a clear limit and supports the continuity of your business.
KinderShield BIZ Coverage
- Burglary: RM 10,000 (Full Theft) – Loss due to full theft from premises, covers up to RM 10,000 for stolen items or related damages.
- Money: RM 5,000 (In Premise) – Cash loss from within business premises, covers up to RM 5,000 for theft, loss, or damage to cash on site.
- Money: RM 5,000 (In Transit) – Cash loss during transport (e.g. to the bank), covers up to RM 5,000 if cash is lost/stolen in transit.
- Glass: RM 10,000 (First Loss) – Accidental glass breakage. Covers repairs/replacement up to RM 10,000.
- Public Liability: RM 1,000,000 (Including Students as Third Party) – Covers injuries or property damage suffered by any third party, including students, visitors, or the general public due to business operations.
- All Risk: RM 10,000 (Accidental Damage) – Accidental damage to property or equipment, covers repair/replacement up to RM 10,000.
- Fidelity Guarantee: RM 10,000 – Loss due to fraud or dishonesty by staff, Covers up to RM 10,000 for employee theft.
- Additional Benefit – Closure Due to Influenza or HFMD – Premises closed by KKM due to disease outbreak, compensation for up to 3 days only.
