A named adviser who knows your company, a review at every renewal, and someone who chases so you never have to.
Request accessSFA-licensed kitchens. BCA-registered contractors. MOH clinics. Freight forwarders. Tuition centres. Salons. Law firms. SaaS companies. Startups.
Your headcount moved. You took a second unit. You signed a contract with a new indemnity. The policy renewed anyway.
of Singapore SMEs say business interruption is a concern.
carry cover for it.
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.
























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

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

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
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
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
Work injury cover for shop staff, which the law requires. Public liability and fire, because the mall lease asks for both.
Read the checklist
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 indemnity, because client engagement letters ask for it. Work injury cover for staff, which the law requires.
Read the checklist
Professional indemnity and cyber, because your customers' contracts ask for both. Work injury cover for staff, which the law requires.
Read the checklist
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 checklistGuides by the cover you have been asked for.

One form, filled once. We fill the insurer forms for you - 24 of them.
The certificate is there when the landlord asks. So is last year's policy.
A specialist appointment for your staff within two days, and cashless hospital admission.
Every renewal date, visible in one place.
Every document, every policy, one screen.
We hand them the file before they start.
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.

A reply in 24 hours, or a new adviser.
Tell us what your business does and what you hold today. Our team calls you back.
We open your account and load your policies, certificates and employee list with you.
A licensed adviser picks it up from there, and you stay informed without chasing anyone.
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.

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

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