IKHLAS RETAIL NIAGA TAKAFUL is a comprehensive coverage for small and medium industries, and small and medium entrepreneurs which includes provision shops, minimarts, tailors, small workshops and contractors.

What are the benefits covered under IKHLAS RETAIL NIAGA?

Fire and Allied Perils

Coverage : Fire, lightning, riot, strike and malicious damage, bursting and overflowing water tanks, pipes and apparatus, earthquake and volcanic eruption.


Loss of or damage to property covered as the direct result of burglary. Minimum protection of all entrances/ exits including windows.


Loss of monies or damage caused by thieves to any safe or strong room belonging to the Takaful Participant at the covered premise.

Public Liability

Indemnification of legal liability to third parties for costs and expenses in respect of bodily injuries/ deaths and/or property damages, sustained in connection with the business of the Takaful Participant.

Plate Glass

Replacement of the broken glass including the cost of any necessary temporary boarding pending the replacement.

Employer’s Liability

Indemnification of legal liability to employees for compensation, costs and expenses in respect of bodily injury, sickness, death sustained out of and in the course of his employment by the Takaful Participant in the business.

Group Personal Accident

On death and permanent disablement.



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