General Liability
Premises and operations cover, rated at the code's premises rate on the limit you select.
Rated on the limitRate SME Liability In One Worksheet
Pick an occupancy code, set the limit & CaRE builds the premium from the published table — premises & products, layer by layer.
- 61 Occupancy Codes
- Premium In Minutes
- Referrals Flagged
Referral Flagged
Outside the published table
Worksheet complete80%
Sample worksheet Comprehensive General Liability
Occupancy code 2610 · Grade 3Premises rate From the tariffLimit of indemnity RM 5,000,000
LayerShare of premium
First RM 1MBase layer
RM 1M – 2MExcess layer 1
RM 2M – 3MExcess layer 2
RM 3M – 4MExcess layer 3
RM 4M – 5MExcess layer 4
Risks outside the published table are flagged for sign-off, never auto-quoted.
Total premiumRM 47,703.13
Rated on the published table, not on judgement
61Occupancy codes with published rates
5Layers, base plus four excess
2 & 3Hazard grades carried by the table
8Codes CaRE never auto-quotes
Two Lines, One Rated Quotation
Every line takes its rate from the same occupancy code, so the whole quotation moves together when the code changes.
Product Liability
Products and completed operations, including exports to the rest of the world.
Rated on the limit
Optional Extensions
Employer's liability excess, product recall and manufacturer's E&O bolt-ons.
Flat or rated add-ons
Four Steps From Risk To Terms
The worksheet keeps the order an underwriter already works in. Nothing is rated until the occupancy code & the limit are both in.
Step 1 Risk Details
Insured, period, distribution and the occupancy code the whole quotation is rated on.
Step 2 Cover & Exposure
One limit across both lines, deductibles, extensions and the turnover recorded on the quotation.
Step 3 Exposure Analysis
Grade each hazard low, medium or high. Anything above low carries into risk management.
Step 4 Premium Calculator
Layers, increased limit factors, minimum and deposit premium, and the quotation document.
A Quotation In Four Moves
No training and no spreadsheet. Pick a code, set the limit & the layers price themselves.
- Pick the occupancy code
Sixty-one codes from the Fire Tariff. The code carries the hazard grade and both rates.
- Set the limit of indemnity
One limit across both lines. Rounded to whole millions, it sets the rated limit and the layer count.
- Layers price themselves
The first RM 1M plus four excess layers, each at its increased limit factor.
- Terms are ready
Total premium, referral flags and the quotation document — in a single pass.
New quotation Comprehensive General Liability
Occupancy code 2610 · Grade 3Rated limit Limit entered
LayerShare of premium
First RM 1MBase layer
RM 1M – 2MExcess layer 1
RM 2M – 3MExcess layer 2
RM 3M – 4MExcess layer 3
RM 4M – 5MExcess layer 4
Total premiumRM 47,703.13
Four moves, start to terms. Nothing was typed twice.
Every Rate Comes From The Tariff
Sixty-one occupancy codes, each carrying a hazard grade & two rates — one for premises and operations, one for products and completed operations. Codes with no published rate are marked Refer, and CaRE will not put a number against them without sign-off.
Fire Tariff · occupancy codes Hazard grade
1102General MerchandiseHazard grade 2Rated in app
1202Hotels, boarding houses, rest houses and chaletsHazard grade 2Rated in app
1512Bakeries, biscuit, confectionery and candy manufactureHazard grade 3Rated in app
2610Cement, concrete products manufactureHazard grade 3Rated in app
1521Animal farmsNo published rateRefer
Five of sixty-one shown. Published rates open inside the calculator.
Trusted Ratings & Real Desk Experience
Sample voices from a pilot desk — attributed by role, not by name.
The code decides the rate, so the code is the first field. Everything after it is arithmetic I no longer check by hand.
Senior underwriter
Casualty desk
Referrals surface while the worksheet is open, not after terms have gone out. That alone changed how the desk works.
Portfolio underwriter
Liability portfolio
One worksheet produces the quotation document, so brokers get the schedule of cover the same afternoon.
Broker relations
Distribution
Common Questions We Get
Answers on the tariff, the layer method & what happens when a risk falls outside the published table.
The Malaysia Fire Tariff occupancy table — 61 codes, each with a hazard grade and separate rates for premises and operations and for products and completed operations.
The limit you select, rounded to whole millions, times the tariff rate gives the first RM 1M of cover. Each excess layer is that base premium multiplied by its increased limit factor, within the published range.
The layer table stops at RM 5M. CaRE marks the quotation as a referral and leaves the premium unrated rather than extrapolating.
Yes — it rounds to the nearest whole million. RM 3.7M rounds to RM 4M, and RM 3.4M rounds down to RM 3M. The calculator prices it the moment the limit is entered.