Office Multi-Risks

A package insurance by Baoviet Tokio Marine will bring security along every business transaction or action conducted in your office or by your staff. Just leave your risks to our professional service.

Other than the Compulsory Section (including Section 1 "Property Damage All Risks Insurance" and Section 2 "Liabilities"), you can effect the whole program or choose any sections which are the most suitable to your business. This package is set up in a flexible manner to suit your demand.


Section 1: Property Damage All Risks Insurance
All accidental losses or damages to your property will be covered. Your property can range from the buildings, all office contents, landlord fixtures and fittings, improvements and decorations, all internal and external fixed glass, and your personal effects.

Section 2: Liabilities
Your negligence may sometimes cause liability to you against a third party, which you do expect or can not control. This Section will protect you against such unforeseeable incidents.

Public Liability: pay for accidental bodily injury to a third party person or accidental loss of or damage to property of a third party
Tenant's Liability: pay for accidental loss of or damage to the Buildings and Contents caused by you as a Tenant
Costs: pay for necessary legal costs and expenses incurred relating to the event which is subject of indemnity with our prior consent.

Section 3: Money Insurance
Pay up to Sum Insured for accidental loss of money in locked safe on the Insured's premises and/or in transit within Vietnam.

Section 4: Fidelity Guarantee Insurance
This section will cover for your loss or damage in terms of pecuniary loss for any fraud or dishonesty action caused by your staff.

Section 5: Personal Accident
Pay up to the total amount of compensation to the Insured person for the bodily injury caused by an accident which happens during any Period of Insurance


Architects', Surveyors' & Consultant Engineers' estimates, plans, specification, quantities, tender and supervision necessarily and reasonably incurred subject to maximum 10% of total sum insured.

Capital Additions Clause: The reasonable costs of alterations, additions and improvements to the Insured Property if not exceeding 10% of the Sum Insured of Section I can be covered if the Insured quarterly declare to Company.

Removal of Debris: covers costs of removal of debris, dismantling of damaged part of the premises.

Electrical Installation: loss or damage by fire to the electrical appliances and installation insured arising from overrunning, excessive pressure, short circuiting, arcing, self-heating.

Errors and Omissions covers unintentional omission error incorrect valuation or incorrect description of the interests risk.

Glass Breakage: covers damage to the plate glass by breakage of the glass or by chemicals accidentally or maliciously applied.

Fire Brigade Charges and Extinguishing Costs: Pays for cost of replenishing fire fighting appliances used or destroyed during the happening of an insured even under Section 1

Other contents clause: Other contents such as documents, manuscripts, business books, computer system records, patterns, models moulds, plans and designs can be covered up to the limit of $1,000 for each item.

Public Authorities: covers cost of reinstatement of the destroyed or damaged property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Government Act or Bye-Laws of any Municipal or Local Authority

Temporary Removal Clause: The property insured under this Policy is covered (limited to 20% of the sum insured) whilst temporarily removed for cleaning, renovation, modification, repair or other similar purpose within Vietnam.

Portable items can be insured during transit subject to additional premium.


Electrical, electronic or mechanical breakdown and gradual deterioration.
Consequential loss.
Delay, confiscation or detention by custom-house or other officials or authorities.
Loss, destruction or damage directly caused by vermin, insects, fungus or condensation.


The Insured shall
  • Give immediate notice in writing with detailed particulars and proof as may be reasonably required to us within 15 days after the happening of loss and damage and to the Police in case of loss or damage by theft
  • Take all reasonable precautions for the maintenance and safety of the property and to pervert accident or loss
  • Notify us about any changes to the Insurable Interest
If any fraudulent means or devices used by the Insured or any one acting on behalf to obtain any benefit under this policy, all benefits thereunder shall be forfeited.
Contact us for any queries you may have
Download proposal form for Office Multi-Risks Insurance
Download claim form for Office Multi-Risks Insurance
Head Office
Room 601, 6th Floor, Sun Red River Building, 23 Phan Chu Trinh, Hoan Kiem Dist.,
Hanoi, Vietnam
Tel: (84.24) 3933 0704   Fax: (84.24) 3933 0706

Branch Office
Room 3, 19th Floor, Green Power Building, 35 Ton Duc Thang, District 1,
Ho Chi Minh City, Vietnam
Tel: (84.28) 3822 1340   Fax: (84.28) 3822 1338

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