Business takaful product research

Compare business takaful and Islamic business insurance by risk

Separate property, liability, engineering and other commercial risks, then inspect the named cover, eligibility, exclusions and certificate evidence.

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Comparison scope

Compare like with like

Cross-market enterprise and employee-group takaful evidence from Malaysia, Qatar, the UAE and Oman. Property/liability packages and group family/medical benefits protect different risks and must remain separately labelled.

  1. 01licensed operator and family/general takaful entity
  2. 02enterprise asset/liability or employee group-benefit purpose
  3. 03eligible SME size, trade, occupation, and construction class
  4. 04fire, consequential loss, all-risks, money, transit, and liability cover
  5. 05group term, hospitalisation, personal accident, and disability cover
  6. 06sum covered, employee count, underwriting, contribution, and discount
  7. 07optional sections, exclusions, renewal, and current certificate version

Exact product directory

Products, not provider labels

Every entry keeps the issuing or operating entity attached to a named product and market. A provider-wide Islamic label is never carried across products, countries or legal entities.

01Malaysia

Takaful mySME

Syarikat Takaful Malaysia Am Berhad

Product type
business general takaful
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • The operator states fire coverage, including terrorism cover, can have a sum covered up to RM50 million.
  • Optional/provided sections include all risks, money, personal accident, public liability and goods in transit.
  • The page describes configurable sums covered and a contribution discount up to 30%, subject to terms.
  • The stated eligibility is a licensed SME business.
  • Automatic risk acceptance is limited to stated occupation and building-construction classes.
Evidence boundary. The RM50 million figure is for the stated fire/consequential-loss context, not every section. Occupation, construction class, limits, terrorism wording, optional covers and discount are underwriting/certificate dependent.
Takaful mySME product page ↗
02Malaysia

Z One Business Takaful

Zurich General Takaful Malaysia Berhad

Product type
business general takaful
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • The 2025 PDS describes a comprehensive package with Fire and Compulsory Packaged covers and three plan levels.
  • It is offered for listed segments including food and beverage, manufacturing, motor showroom/workshop, office/services, retail, tourism and wholesale/distribution.
  • Optional extensions listed include fire consequential loss, equipment all risks, product liability and group personal accident.
  • Eligibility is tied to the listed trade/business/profession segments and underwriting acceptance.
  • Coverage is one year and must be renewed.
Evidence boundary. Zurich's landing page presents insurance and takaful together. Only the separately named Z One Business Takaful PDS supports this record; insurance policy wordings must not be used as takaful evidence.
Zurich SME Business Insurance / Takaful page ↗
03Malaysia

GET-SME

Great Eastern Takaful Berhad

Product type
employee group family takaful
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • GET-SME is a yearly renewable group takaful package for small companies/organisations and their employees/members.
  • The page lists Group Term Takaful, Group Hospitalisation & Surgical and a Comprehensive Package.
  • It states up to eight plan choices and sum covered up to RM500,000.
  • The target participant is a small company/organisation providing cover for employees or members.
  • The page states no medical underwriting for groups of 11 to 200 employees for cover up to RM300,000, subject to the product terms.
Evidence boundary. GET-SME is employee/member group family takaful, not property or public-liability cover for the enterprise itself. The no-underwriting statement has group-size and cover limits; lapse, switching and free-look terms apply.
GET-SME product page ↗
04Qatar

Corporate Property, Engineering and Liability Insurance

Qatar Islamic Insurance Group Q.P.S.C.

Product type
business general takaful
Evidence status
Partial record
Checked
2026-09-15

Verified product fields

  • QIIG publishes capacity for commercial property/fire, engineering/project, marine, motor, liability, life and medical risks.
  • The operator identifies commercial clients including government bodies, banks, hotels and infrastructure projects.
  • Each commercial risk requires underwriting and a purpose-specific quotation; no standard SME package is asserted.
Evidence boundary. This is a verified corporate service line, not one package. Property, engineering, marine, liability, employee and motor sections, sums insured, deductibles, warranties, exclusions, contribution and re-takaful arrangements require the exact proposal, schedule and policy.
QIIG — Facts at a glance ↗
05United Arab Emirates

SME Protection

Watania Takaful General P.J.S.C.

Product type
business general takaful
Evidence status
Partial record
Checked
2026-09-15

Verified product fields

  • Watania Takaful General publishes SME, Property, Office, Casualty and Liability, Engineering, Marine, Warranty and General Accident lines for businesses.
  • Corporate Fleet is separated from individual motor and other SME/general certificates.
  • Business trade, activity, asset location and underwriting determine available sections.
Evidence boundary. The portfolio does not publish one bundled SME benefit table. Property, business interruption, money, liability, employee, marine and fleet risks require separate selection; limits, deductibles, warranties, exclusions, contribution and claims conditions require the live proposal and certificate.
Watania Takaful — General and SME portfolio ↗
06Oman

Property All Risk

Takaful Oman Insurance S.A.O.G.

Product type
business general takaful
Evidence status
Partial record
Checked
2026-09-15

Verified product fields

  • Takaful Oman lists Property All Risk, Fire and Allied Perils, Contractor All Risk, Erection All Risk, machinery, public liability, marine and money covers in its current catalogue.
  • The operator describes business and project-related liability protection under a Shariah-compliant takaful framework.
  • Risk location, activity, construction, values and loss history require underwriting.
Evidence boundary. Property All Risk is not a universal SME package and must not absorb engineering, marine, liability or employee covers. Insured perils, exclusions, business interruption, sums, deductibles, warranties, contribution and claims basis require the current proposal and certificate.
Takaful Oman — Commercial product catalogue ↗

Research method

How to use this channel

  1. 01

    Choose the exact need

    Start with business insurance and the market where you can legally apply or purchase.

  2. 02

    Verify the exact product

    Match the legal entity, product name, eligibility, current terms and first-party source—not just the brand.

  3. 03

    Recheck before acting

    Rates, contributions, fees, limits and availability change. Obtain the current terms or quote from the provider.