Business protection matters
We understand what your company needs to stay secure and thrive
Corporate Lines
We offer comprehensive insurance solutions designed for businesses of all sizes. Each policy is built to handle the specific risks your company faces.
The protection your business needs
Business & Commercial Protection
We safeguard your physical and financial assets so you can focus on operations.
Human Capital & Employee Benefits
Attract and retain the best talent with comprehensive welfare packages.
Professional & Specialized Risks
High-level protection for the digital and professional age.
All Other Protections
High-level protection for the digital and professional age.
Personal Lines
For Business
From property, cyber security, and liability coverage to medical and worker injury compensation — we make sure your business is protected from the ground up. Our clients include contractors, renovators, maintenance services, and more.
Business Protection
- Property (All Risk / Fire)
- Professional Indemnity
- Combined General Liability
- Public Liability
- Product Liability
- Project Employer’s Liability
- Directors and Officers Liability
- Performance Bond
- Security Bond
- Work Injury Compensation
- Contractor’s All Risk
Medical
- Group Hospitalisation & Surgical Plan
- Foreign Worker Medical Insurance
Specialty Insurance
- Cyber Security Insurance
- Trade Credit Insurance
- Jeweller’s Block
Vehicles
- Motor Insurance
- Fleet
Business & Commercial Protection
The world moves fast and plans change faster. Travel insurance catches you when things go wrong—medical crises, cancelled flights, lost luggage, delays that stretch into days.
Loss resulting from interruption or interference of the Business as a result of any building or other property or any part thereof used by the Insured at the Premises being destroyed or damaged by the contingencies insured under Fire & EP or Property All Risk.
Did you know that Business Interruption (BI) payouts often exceed property damage claims?
Historically, BI has been the primary source of reimbursement, playing a crucial role in safeguarding cash flow when operations are temporarily suspended due to repair works.
The Company will pay to or on behalf of the Insured all sums which the Insured becomes legally liable to pay by way of Compensation and all costs awarded against the Insured in respect of: Bodily Injury or Property Damage.
Product Liability Insurance protects manufacturers, distributors, and sellers against legal and financial liabilities arising from injury or property damage caused by their products. It ensures that businesses can respond to claims from customers or third parties without suffering severe financial loss.
Who will need it?
- Manufacturers of electronics, toys, machinery, food, or pharmaceuticals
- Retailers and distributors selling third-party products
- Businesses launching new products to market
Protect your goods in transit against loss or damage by sea, air, or land. Our coverage safeguards shipments, ensuring your business stays secure and your cash flow protected from unexpected disruptions.
Human Capital & Employee Benefits
A welfare benefit that provides comprehensive healthcare coverage for employees under a single policy. It covers hospitalization, surgery, outpatient treatment, and medical expenses, helping organizations take care of their workforce’s health while reducing financial burden on employees.
Streamlined compliance with Ministry of Manpower (MOM) regulations. Guidelines are always changing and a good reference will be thru MOM’s website: https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation
Round-the-clock protection for your staff and around the world. This consists of Medical outpatient reimbursement and Traditional Chinese Medicine, etc.
Professional & Specialized Risks
Insurer helps cover legal costs and claims if a client suffers financial loss due to professional mistakes, negligence, or breach of duty. Protects your business and reputation from unexpected liabilities.
Did you know that the claims under PI insurance typically arises when a client or third party suffers a financial loss due to:
- Negligence or Mistakes
- Providing incorrect advice, reports, or recommendations.
- Miscalculations, errors in designs, or professional judgments.
- Breach of Duty or Contract
- Failing to meet agreed contractual obligations.
- Non-performance or substandard services.
- Misrepresentation or Wrong Advice
- Giving misleading information that leads to client losses.
- Confidentiality Breaches
- Unauthorized disclosure of sensitive client information.
- Defamation or Intellectual Property Claims
- Accidental infringement of copyright, trademark, or plagiarism in professional work.
Protects your business against financial losses from cyberattacks, data breaches, or network security failures. Covers costs such as data recovery, legal fees, notification expenses, and third-party claims, helping safeguard your operations and reputation.
Protects company directors and officers from personal losses if they are sued for decisions made in their professional roles. Covers legal defense costs, settlements, and claims arising from alleged wrongful acts, helping safeguard leadership and company reputation.
Other Protections
- A security bond is a binding pledge to pay the government if either you or your worker breaks the law, Work Permit conditions or security bond conditions. The bond is in the form of a banker’s or insurer’s guarantee.
- You must buy a $5,000 security bond for each non-Malaysian Work Permit holder you employ. You cannot ask your worker to pay for the bond.
When to buy the bond
Before your worker arrives in Singapore, you must:
- Buy a security bond.
- Inform your bank or insurer to send us the security bond details. It takes up to 3 working days.
- Ensure that the security bond takes effect when your worker arrives.
- Log in to WP Online to check the security bond status and print the security bond acknowledgement letter. Send your worker a copy of the letter.
For more information, please refer to: https://www.mom.gov.sg/passes-and-permits/work-permit-for-foreign-worker/sector-specific-rules/security-bond
Performance Bond Insurance is a type of surety bond that guarantees the successful completion of a project or fulfillment of contractual obligations by a contractor, supplier, or service provider. It acts as a financial safeguard for the project owner (obligigee) in case the contractor (principal) fails to meet the agreed terms, timelines, or quality standards.
How It Works:
- The contractor purchases the bond from an insurer.
- If the contractor fails to fulfill the contract, the insurer compensates the project owner up to the bond amount.
- The insurer may then recover the amount from the contractor.
Who will need it?
- Construction and infrastructure projects
- Supply of goods or services under contract
- Large-scale commercial agreements where performance guarantees are critical
Helps provide comprehensive coverage for construction projects, protecting against accidental loss or damage to works, materials, and equipment during the construction period. It safeguards contractors, project owners, and stakeholders from unforeseen events that may impact project completion and costs.
- Physical Damage Coverage – Protects the building works, machinery, equipment, and materials against risks such as fire, theft, natural disasters, and accidental damage.
- Third-Party Liability – Covers legal liability for bodily injury or property damage caused to third parties during construction.
Who will need it?
- Building construction
- Civil engineering projects
- Renovation and refurbishment works
- Installation of machinery or infrastructure
It provides comprehensive coverage for jewellers, retailers, and manufacturers against loss or damage to jewellery stock. It protects against risks such as theft, burglary, fire, natural disasters, or accidental damage while in the store, during transit, or at exhibitions.
Who will need it?
- Jewellery retailers and showrooms
- Manufacturers and wholesalers
- Exhibitions, trade shows, and transport of high-value jewellery
Protect your event against unexpected risks such as cancellation, liability, property damage, or injuries. Events insurance ensures peace of mind for organizers, covering financial losses and legal claims so your event can go smoothly.
Who will need it?
- Event Organizers & Planners – Protect against cancellation, accidents, or property damage.
- Corporate Companies – For conferences, product launches, seminars, or employee events.
- Wedding & Party Planners – Covers liability, damage, or unexpected cancellations.
- Exhibitors & Trade Show Hosts – Safeguards stalls, equipment, and third-party claims.
- Concert & Festival Organizers – Protection for large public gatherings, including liability and property loss. Esp. those with Fireworks, live shooting, etc.
- Sports & Community Event Organizers – Covers injuries, venue damage, and unforeseen disruptions.