Intermediate Fire Clauses – How to Apply the Right Clauses for Maximum Protection

You may have come across instances where clients have asked for a whole range of fire insurance clauses to be incorporated into the fire policy thinking that the coverage would be more comprehensive. However, the purpose of these clauses must be well understood. A clauses applied should be relevant. Otherwise, the inclusion of certain clauses could be detrimental to the interest of the Insured in the event of a claim.

To interpret and understand the meaning of some of the fire clauses could also prove to be a daunting task given the technicalities involved.

In light of the above, this course has been designed to help participants understand the meaning and intention of clauses and also to apply the appropriate clauses to suit the Insured’s specific requirement.
To facilitate easy understanding of clauses, simple language and reallife examples will be used.

4 - 5 March 2024
9.00 a.m. - 5.00 p.m.

Method: In-Person Training
CPD Hours: 14
Registration Closing Date:
29 March 2024

Recommended for

  • Underwriter
  • Claim personnel
  • Adjuster
  • Marketing Staff
  • Brokers
  • Agent
  • Policyholders and those who are interested to understand the fire clause in depth.

About the trainer:

ONG AH SUNG
AMII, ANZIIF (Snr Assoc)

He obtained his Associateship of The Australian Insurance Institute and The Malaysian Insurance Institute in 1981 and 1986 respectively. He is also a Senior Associate of The Australian and New Zealand Institute of Insurance and Finance.

He has more than 37 years of working experience in the insurance industry in all major aspects of underwriting, claims, risk management and survey, technical operations, branch operations, corporate business and technical training.

He was actively involved in PIAM Sub-committee work, having served in various Sub-committees and Working Groups such as the Special Rating Committee, Motor Tariff Sub-committee, Risk Management Subcommittee (Deputy Convenor), Working Group on revision of the Fire Tariff and Rating Guidelines on Engineering Classes of Insurance. He was the Chief Editor of PIAM Risk Management Bulletin.
Course Outline
Learning Outline
Day 1
More than 40 clauses will be discussed inclusive of:
  • All Fire Tariff Clauses with specialemphasis on Stock Declaration
  • Automatic Renewal Clause
  • Reinstatement Value Clause 
  • Reinstatement in Compliance with Public Authorities
  • Declaration Policies
  • Temporary Storage Clause
  • Leasing Endorsement
Day 2
  • Smoke Damage Endorsement
  • Brand, Label & Trademark Clause
  • Automatic Hold Cover Clause
  • Sprinkler Leakage Endorsement
  • Hire Purchase Endorsement
  • Internal Removal Clause
  • Other Insurance Clause

Contact Info

The Malaysian Insurance Institute 197701004772 (35445-H),
Level 6, Bangunan AICB,
No. 10 Jalan Dato’ Onn,
50480 Kuala Lumpur, Malaysia 

Tel : +603 2712 8882

Email : customercare@mii.org.my

Customer Service Virtual Office: Open from 10:00 a.m. to 12:00 p.m., Mon-Fri

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