Business Insurance for the way you work.

Property & equipment — Assets & trading income.

Property & fire

Buildings, stock and business contents.

Equipment / machinery all risks

Machinery and business equipment.

Electronic equipment

Computers and electronic systems.

Plate glass

Fixed glass and mirrors.

Projects & bonds — Works, installation & guarantees.

Contractors’ all risks

Construction works and related third-party liabilities.

Erection all risks

Installation works and the equipment being erected.

Surety bonds

Guarantees required by your contracts.

Project damage cover and contract guarantees serve different purposes.

Fine art — Collections in place or on the move.

Collection values

Itemised works and agreed valuations.

Locations

Storage, display and exhibition arrangements.

Movement

Packing, handling and shipment routes.

Money — Cash in custody and in transit.

On your premises

Money kept in specified secure storage, such as a safe or cash register.

In transit

Money carried within Singapore.

Set the right scope

Cash amounts, handling and transport arrangements.

Fidelity guarantee — Direct financial loss through employee dishonesty.

The exposure

Staff access to money, property and financial records.

The policy scope

Employee roles, loss limits and the insured period.

Crime — Theft and fraud against the business.

Assets & transactions

Money, property and payment procedures.

Sources of loss

Employee and external fraud exposures to review.

Controls

Authority, access and security arrangements.

Public & general — Incidents during your operations.

Public liability

Accidental third-party injury or property damage connected with your operations.

Combined general liability

Review which liability sections are brought together in the policy.

Your operating context

Premises, activities and people who may be affected.

Professional indemnity — Advice, work and client expectations.

Professional work can lead to allegations of errors or omissions and claims from clients.

Your services

The professional work and advice you provide.

Your responsibilities

Contractual duties, clients and territories.

Your exposure

Claims history and the liability limits required.

Directors & officers — Management decisions. Personal exposure.

Addresses claims alleging wrongful acts in directors’ or officers’ management duties.

Insured roles

Directors, officers and the company structure.

Potential claims

Shareholder, employee or other third-party allegations.

Policy review

Defence costs, limits and insured responsibilities.

Product liability — Responsibility for products you supply.

Consider liability for injury or property damage associated with products made, supplied or sold.

The products

What you manufacture, import, distribute or sell.

The markets

Customers, countries and distribution channels.

The responsibilities

Contract terms and potential third-party claims.

Technology liability — Systems, services and client obligations.

Technology services

Your work, deliverables and client contracts.

Information & networks

Network responsibilities and potential claims.

Policy scope

Professional, technology and cyber sections to compare.

Work injury — Employer liability under WICA.

Medical expenses

Treatment for the work-related injury.

Medical leave wages

Wages during eligible medical leave.

Compensation

Permanent incapacity or death.

Foreign workers — Medical cover and bonds are separate.

Personal accident — Benefits for a defined accident.

Personal accident cover addresses the insured person’s accidental death or permanent disability.

Who is insured

People named or included in the selected policy.

Benefit scope

Accident definitions, benefit amounts and exclusions.

Business travel — Employees travelling for work.

The journeys

Destinations, frequency and duration.

The travellers

Employees, eligibility and work activities.

The protection

Medical, trip and other cover to compare.

Cargo — Goods travelling between locations.

Marine cargo

Goods and their shipment routes.

Project cargo

Equipment and shipments for a specific project.

Shipment review

Cargo values, packing, handling and transport stages.

Marine hull — The vessel and its machinery.

The asset

Vessel type, age, value and equipment.

The operation

Use, operating area and navigation limits.

The distinction

Vessel damage and marine liabilities need separate review.

Marine liabilities — Liability follows what you do.

Vessel operation

Protection & indemnityCharterer’s liability

Ports & handling

Marina operator’s liabilityTerminal operators’ liabilityStevedore’s liability

Cargo custody & logistics

Bailee’s / warehousemen’s liabilityFreight forwarders’ liability

Professional services

Marine professional indemnity

Build & repair — Vessels under construction or repair.

Builder’s risk

Vessel construction works and the asset being built.

Ship repairer’s liability

Responsibilities arising from vessel repair work.

Project review

Works, values, contracts and obligations.

Trade credit — When your customers do not pay.

Whole turnover cover

Receivables across domestic or export trade.

Major debtor cover

Selected domestic or export customer accounts.

Political risk cover

Export-related political risks to assess.

Pleasure craft — Vessel use sets the scope.

The vessel

Type, value, equipment and mooring.

The use

Private use and any other activities to declare.

The voyage

Cruising area and liability requirements.