Compare insurance for your Singapore company.

Covers your business against legal liability for third-party injury or property damage arising from your operations or premises. Typically required by landlords, NEA / LTA / URA licensing, and many tender contracts.

Covers legal liability arising from professional negligence, errors and omissions in advice or services. Required under MAS, Law Society, ISCA, BOA, PEB and SMC licence conditions for regulated professionals.

Protects the personal assets of company directors and officers against claims arising from decisions made in their corporate capacity. Often triggered by fundraising, IPO, VCC formation or family-office structuring.

Covers liability to employees for injury or illness arising from employment, beyond what WICA provides. Often bundled into a commercial package policy.

Covers first- and third-party losses from cyber incidents — ransomware, data breach, business interruption, PDPC fines, regulatory investigation costs. See cyberinsurance.com.sg for full clause-level comparison.

Covers legal liability for third-party injury or property damage caused by defective products you manufacture, distribute, import or sell. Critical for manufacturers, importers and exporters — especially those reaching the US, Canada, EU or Australia markets.

Professional indemnity for medical and dental practitioners covering negligence in clinical care. Required by SMC, SDC, MOH licence conditions. Underwritten by SMA Indemnity (mutual for SMA members), Beazley, Markel, Newline and Lloyd’s syndicates.

Covers loss from employee dishonesty, third-party fraud, computer-systems fraud, funds-transfer fraud, social engineering. Critical for fintech, payment service providers, family offices and financial institutions.

Specialised professional indemnity for technology, SaaS, IT consultancies and digital agencies covering errors in software, integration failures, data loss. Often combined with cyber liability.

Mandatory under the Work Injury Compensation Act 2019 for all manual workers and non-manual workers earning S$2,600 or less per month. Covers medical expenses, lost wages and lump-sum compensation for work-related injury or disease.

MOM-required medical insurance for every Work Permit and S Pass holder, with a minimum annual coverage of S$60,000 for inpatient care and day surgery. Most employers also bundle WICA.

Employee health benefit plans covering hospitalisation, outpatient GP and specialist consults, dental, and optional extras. Increasingly expected by knowledge workers as part of remuneration.

Life and critical illness cover on a key employee or founder, with the business as beneficiary. Protects the business against the financial impact of losing a person critical to operations or financing covenants.

Annual or per-trip insurance for employees travelling on business. Medical, emergency evacuation, trip cancellation, baggage, kidnap and political-evacuation extensions for higher-risk regions.

Lump-sum compensation for death or permanent disablement from accidental cause, paid to the employee or estate. Typically a multiple of annual salary. Bundled with group medical or sold standalone.

Lump-sum death benefit paid to the employee’s nominee, typically a multiple of annual salary (1x to 4x). Underwritten by AIA, Great Eastern, Income, Manulife, Prudential, Singlife and others. Often paired with group medical for talent retention.

The core inpatient and day-surgery section of a group medical plan. Tiered by ward class (restructured A, private standard, private deluxe). Co-ordinates with MediShield Life and Integrated Shield Plans.

Covers loss or damage to commercial buildings and contents caused by fire, lightning and limited additional perils. Required by most landlords for commercial tenants in Singapore.

Broader cover than fire insurance — protects against all sudden and accidental physical loss or damage to commercial property, including water damage, accidental damage, theft and impact, subject to named exclusions.

Covers loss or damage to goods in transit by sea, air, road or rail. Critical for any Singapore-based importer, exporter or freight forwarder given Singapore's role as a regional shipping and logistics hub.

Covers physical loss or damage to construction works, materials and plant, plus third-party liability arising from the construction project. Often required by main contractors and BCA tender categories.

Covers loss of gross profit, fixed costs and additional expenses while the business cannot trade following an insured physical-damage event. Pays the cash gap between the incident and full trade recovery.

Covers sudden and accidental physical damage to plant, machinery, and electrical equipment from mechanical or electrical breakdown. Critical for manufacturers, data centres, hotels, hospitals, marine operators. HSB (Munich Re) is the global specialist.

Covers loss or damage to goods while being transported by road, rail or inland waterway within Singapore or across borders. Distinct from marine cargo (which covers international sea/air shipments).

Physical loss and damage cover for vessels — hull, machinery, freight at risk and protection-and-indemnity (P&I). Critical for SG ship-owners, charterers and offshore operators using the Maritime and Port Authority of Singapore registry.

Specialist all-risk cover for high-value art, antiques, collectibles, gold and bullion, and high-value goods in storage or transit. Standard cover for SG galleries, family-office collections, jewellery wholesalers and HNW private clients.

Package policies tailored to restaurants, cafes, bars and central kitchens — combining public liability, fire, contents, money, business interruption and product liability for food.

Umbrella term covering Contractors All Risk, Erection All Risk, Workmen Compensation, public liability, plant and machinery cover, and surety bonds for the construction sector.

Protects against non-payment of trade receivables by domestic and overseas customers. Underwritten in Singapore by Atradius, Coface, Allianz Trade (Euler Hermes) and a small number of Lloyd's syndicates.

Short-term policies for one-off events covering cancellation, public liability, equipment and adverse weather. Required by many Singapore venues and STB-registered events.

Guarantees from insurers to project employers securing the contractor’s performance of the contract. Required by HDB, JTC, BCA, SG Customs, URA, and most private main contracts. Issued by AIG Surety, Chubb Surety, Tokio Marine, MSIG, Sompo and bank-issued alternatives.

Cover for aircraft hull, third-party liability, passenger liability and operator liability across SG general aviation, charter, drone operations and supporting MRO businesses. Specialist underwriting by Global Aerospace, Allianz Aerospace, AIG and Tokio Marine.