Business Insurance
Cover for the risks your business actually carries.
Running a business means carrying risk you can’t always see coming — a fire on your premises, a visitor injured on-site, a contractor’s mistake, cargo lost in transit. We work across our panel — NTUC Income, EQ Insurance and QBE — to build a programme around the risks your company actually carries, whether that’s a single policy or a bundled package for a smaller business.
Property, liability, contractor’s risk, marine cargo and commercial vehicle cover are placed across all three insurers, so we can compare coverage and pricing before recommending a policy or package.
Eight ways we protect your business
Each line below can be arranged on its own, or bundled into a single package if you’re a smaller business that would rather not juggle separate policies.
Fire & Property All Risks Insurance
If you own or lease commercial premises, this covers the building, fixtures, fittings and stock inside it against fire and a wider range of accidental physical loss or damage. It’s usually the foundation of a business insurance programme, and can be arranged on its own or as the property section of a broader package.
Public Liability Insurance
Your business can be held legally liable if a customer, visitor or member of the public is injured — or their property damaged — because of your or your employees’ negligence. Public liability insurance covers the compensation and legal costs that follow, and is cover most businesses need regardless of size or industry.
Contractor’s All Risks Insurance
If you’re a contractor, or you’re taking on a construction, renovation or fit-out project, this covers loss or damage to the works in progress and materials on-site, plus your liability to third parties arising from the construction activity itself. It’s arranged around the length and value of a specific project rather than sold as a standing annual policy.
Directors’ & Officers’ (D&O) Liability Insurance
D&O insurance protects your company’s directors and officers personally against claims alleging negligence, breach of duty or a wrongful act committed in their role, and reimburses the company for the cost of indemnifying them. It typically has two parts: cover for the individual director, and reimbursement cover for the company itself.
Professional Indemnity Insurance
If your business gives advice or provides a professional service, this covers claims arising from an error, omission or negligent advice that causes a client financial loss — a category of risk public liability insurance doesn’t reach.
Marine Cargo Insurance
Goods in transit — whether moving within Singapore or across borders by sea, air or land — are exposed to loss or damage throughout the journey. Marine cargo insurance covers that exposure, so a lost shipment or damaged consignment doesn’t fall entirely on your business.
Commercial Vehicle Insurance
Cover for vehicles used for business purposes — from a single company car to a full delivery fleet — including the liability, damage and theft protection a personal motor policy doesn’t extend to commercial use.
Business Insurance Package for SMEs
Bundled option
For smaller businesses that would rather not piece together separate policies, our panel offers bundled SME packages combining property, theft, money-in-transit and liability cover in one policy — with options to add business interruption, plate-glass, fidelity guarantee and personal accident cover as needed.
Tell us what your business needs to protect — we’ll compare the panel for you.
No obligation, and we’ll get back to you within 1 working day. Prefer to talk it through first? WhatsApp us directly.