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A Business Insurance can help to protect all sorts of risks associated with running a business. It can also protect your employees, your suppliers and even your customers from some of these threats.
For most businesses, the types of insurance available can be classified under 3 general categories:
- Legal Liability
Property All Risks: Covers accidental physical loss or damage to your stocks, equipment, furniture, furnishings, fixtures, fittings and interruptions to your business.
Work Injury Compensation: Covers compensation to your employees in the event of bodily injury, illness, disease or death caused by accident arising out of and in the course of employment as stipulated under the Work Injury Compensation Act and covers your liability as an Employer under the Legislation of Common Law.
Public Liability: Covers your legal liability against 3rd party in respect of bodily injury (including disease or death) and property damage, as well as legal costs and expenses incurred in respect of such claims.
Cash Money: Protects money stolen during business hours and money kept in a locked drawer, cash register, safe in the premises or while in transit anywhere in Singapore.
Fidelity Guarantee: Covers you against direct pecuniary (financial) loss arising from any fraudulent act or dishonesty by your employees.
Plate Glass: Covers cost to replace broken or damaged glass fixtures and fittings including boarding up incurred at your premise.
Group Personal Accident: Provides 24 hours worldwide cover for your directors, partners, proprietors or employees against accidental death or injury in Singapore.
Computer & Electronic Equipment: Covers loss or damage to the insured equipment from any accidental cause stated by the insurer whilst situated at the specified premises including electrical and mechanical breakdown.
Directors & Officers Liability: Covers company mismanagement allegations and claims against a director, officer, manager or supervisor which may arise from the decisions and actions taken within the scope of their regular duties, a s well as employment related allegations and claims against the company.
Data Protection: Covers your business for compensation and defense costs resulting from any claim arising from breach of confidentiality or data protection breach in connection with your business.
Understanding your insurance needs is our priority. There are pre-packaged plans that may very well fit your business at an affordable cost, or you can always customise a comprehensive insurance solution specially tailored for your business. Our experienced professional agents will guide you through the entire process.
As a business owner, you may be asking yourself, “Is business insurance required?”
It is mandatory for all Singapore businesses to have Work Injury Compensation cover and Commercial Motor insurance for their commercial vehicles.
However, if your business does not have a business insurance policy, the costs may have to come out of pocket. In some cases, this can completely ruin your business if you do not have the finances.
- Save you time, money and stress
- Protect your business from damages
- Provide benefits to your employees
Having a good insurance cover will limit your financial losses and protects the business!
Running a business involves risks that are both expected and unexpected. Business insurance can help protect business owners from property damage and liability claims. Some benefits of a business insurance includes:
- Minimising financial losses
- Increasing credibility of your business
- Protecting your business from the unexpected
- Avoiding hefty legal fees on lawsuits
- Protecting your most valuable asset: Employees
- Saving your business money in the long run
F&B (Caterer & Food Delivery): The Public Liability can cover your business when a passer-by suffers accidental scalding from hot food items spilled on them.
F&B (Restaurant & Cafe): The All Risks can protect your business when a faulty power socket results in fire, causing damage to your restaurant.
Light Industrial (Manufacturing/Assembly/Storage): The Work Injury Compensation can reimburse your business when a worker requires compensation or makes a medical claim after sustaining an injury at work.
Office: The Cash Money coverage can help when there's a loss of money from a locked office drawer or safe.
Retail Sales: The All Risks coverage can protect your business when there are damages to your goods at a ground-floor due to flood.
Service: The Fidelity Guarantee coverage can help to reimburse your business when employees at a medical clinic steal money from the cash register.
Because of the highly competitive business insurance industry, insurance companies may have promotional rates or new features the next time you renew your insurance. Therefore, your current insurer might not be able to give you the best premium anymore. We can help you to save money or get better terms on your business insurance through comparing quotes at no cost.
Serving the interest of our clients is always our 1st priority. Personalized support and relationships matter to us. We cut all the noises and give you the best we can find. Let us know if there is anything else we can help, we will be very happy to assist in every way we can.
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Very helpful in explaining the different plans. Would definitely recommend them to my friends in the future.
Great value for the services I have received. Very impressed with customer service and the company going the extra mile!
They listened to my questions and gave me relevant, easy to understand information that enabled me to make a decision quickly and confidently.
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I needed to organise my maid insurance in a hurry and they arranged everything very quickly at a very good price. Would strongly recommend their services to anyone!
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