Fortune 500 companies have a team for insurance. Now you do.

The insurance team you thought you were too small for.

A named adviser who knows your company, a review at every renewal, and someone who chases so you never have to.

Request a call.

Tell us what you do. We call you back within 24 hours.

Your name, company, email and number.

Opened by our founder. Your adviser named on day one.

For the businesses Singapore actually runs.

SFA-licensed kitchens. BCA-registered contractors. MOH clinics. Freight forwarders. Tuition centres. Salons. Law firms. SaaS companies. Startups.

Most policies renew without anyone asking whether the business changed.

Your headcount moved. You took a second unit. You signed a contract with a new indemnity. The policy renewed anyway.

74%

of Singapore SMEs say business interruption is a concern.

23%

carry cover for it.

85%

The standard market wording carries an 85% condition of average. Insure for less than it is worth, and a partial loss is cut back in proportion.

Sources: QBE Singapore SME survey. MSIG SUMO policy wording.

Already placed by the advisers we introduce you to.

24
general insurers
766
policies placed
S$161.6m
sum insured
Singlife
AIG
Allianz
Allied World
Cigna
Chubb
Etiqa
Great American
Great Eastern
HL Assurance
India International Insurance Singapore
Income
Liberty Insurance
MSIG
QBE Insurance
SOMPO
Tokio Marine
Bupa
Ergo
Ecics
HSBC
FWD Insurance
Now Health International
Direct Asia

All cover is placed by licensed intermediaries. The figures and the panel are theirs.

Nobody joined this company to chase for insurance quotes.

The renewal email arrives. The certificate is in someone's inbox. The adviser needs the same details you sent last year. And nobody is quite sure what happens if something goes wrong tomorrow.

Built for businesses like yours.

What businesses in your trade commonly hold, and why. Your own cover is a conversation with a licensed adviser.

Food and beverage
Usually holds

Work injury cover for kitchen and service staff, which the law requires. Public liability, because the lease asks for it and customers slip.

Read the checklist
Construction
Usually holds

Work injury cover for every site worker, which the law requires. Contractors' all risks and public liability, because the main contract puts them on you.

Read the checklist
Logistics
Usually holds

Third-party motor on every vehicle, which the law requires. Goods in transit or marine cargo, because your customers' terms ask for it.

Read the checklist
Retail
Usually holds

Work injury cover for shop staff, which the law requires. Public liability and fire, because the mall lease asks for both.

Read the checklist
Maritime
Usually holds

Marine cargo under the Institute Cargo Clauses, by voyage or on open cover. Work injury cover for crew and yard staff, which the law requires.

Read the checklist
Professional services
Usually holds

Professional indemnity, because client engagement letters ask for it. Work injury cover for staff, which the law requires.

Read the checklist
Tech companies
SaaS, software houses, IT vendors.
Usually holds

Professional indemnity and cyber, because your customers' contracts ask for both. Work injury cover for staff, which the law requires.

Read the checklist
Startups
Pre-seed to Series A. First hires, first office.
Usually holds

Work injury cover from your first hire, which the law requires. Directors' and officers' cover, because investors commonly ask for it at the round.

Read the checklist
1 of 8 - swipe for your trade

When it comes to compliance, ignorance is not bliss.

Guides by the cover you have been asked for.

Less time
Answer once.

One form, filled once. We fill the insurer forms for you - 24 of them.

Everything in one place.

The certificate is there when the landlord asks. So is last year's policy.

Someone else calls the clinic.

A specialist appointment for your staff within two days, and cashless hospital admission.

No wondering
You know what is coming up.

Every renewal date, visible in one place.

You know what you hold.

Every document, every policy, one screen.

Your adviser turns up prepared.

We hand them the file before they start.

One platform, one adviser, 24 insurers to choose from.

At renewal, everything you hold is already in front of a licensed adviser who can look across the whole panel.

We put every document and every renewal date in front of them before they start. The review is theirs.

Your adviser reviews every policy at renewal. Part of the service.

Agent not calling back?

We chase. You don't have to.

A reply in 24 hours, or a new adviser.

How it works.

01
Talk to us.

Tell us what your business does and what you hold today. Our team calls you back.

02
We set you up.

We open your account and load your policies, certificates and employee list with you.

03
We introduce you.

A licensed adviser picks it up from there, and you stay informed without chasing anyone.

Every account is opened by our team.

We open your account, sit down with you, and load what you already hold. Every policy, every certificate, your employee list.

The vault is complete on day one.

Are you carrying what the law requires?

Work injury cover for your staff and third-party motor on every vehicle. Compulsory, whatever your trade.

Tell us what you hold. A licensed adviser reads it against what is being asked of you.

Consult an adviser

We only win when you do.

Free for your business while we are in early access. The intermediary pays us an introduction fee out of its own commission. No insurer pays us anything.

What Fortune 500 companies pay a team for. Now yours.

Request access

Opened by our founder. Your adviser named on day one.

Covarage

Covarage is a technology platform. We are not a licensed insurance broker regulated by the Monetary Authority of Singapore (MAS) and do not provide any financial advice.

Covarage Pte. Ltd. · UEN 202531227H · 143 Cecil Street, #03-01, GB Building, Singapore 069542 · Data protection: dpo@covarage.com

© Covarage 2026 · Privacy Policy v1.0 and Terms of Use v1.0, 25 August 2026