Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Contractors' all-risks insurance for renovation and construction
A renovation or construction site carries risks an ordinary property policy does not anticipate. Contractors' All Risks insurance is built specifically for the work-in-progress period.
Daniel Lim
Marine cargo insurance for importers
Goods can be damaged or lost anywhere between a supplier's warehouse and your door. Marine cargo insurance is how importers cover that exposure, and it is not automatically included in freight costs.
Daniel
Cyber insurance for SMEs: what a breach actually costs
A cyber incident costs more than the ransom or the IT fix. Here is what typically drives the bill up, and what a cyber policy is built to cover for a small business.
Daniel
Insurance for freelancers and sole proprietors
No employer means no group insurance, no automatic MediSave contribution, and no one covering you if you cannot work. Here is what to put in place yourself.
Daniel
Fire and perils cover for shops and offices
A shop or office lease rarely requires more than basic fire cover. Here is why most businesses need the broader perils list, and what else sits alongside it.
Daniel
Directors' and officers' liability for small companies
Running a small company still exposes its directors to personal legal risk. D&O liability cover is not only for listed corporations, and here is what it actually protects.
Daniel
Insuring a food and beverage outlet in Singapore
A café or restaurant carries risks that a standard shop policy doesn't anticipate — fire from cooking equipment, food-related claims, and staff working with knives and hot oil.
Daniel
Business interruption cover: replacing income when you cannot trade
A commercial property policy pays to repair the damage. It does not on its own replace the income lost while the business cannot trade. Here is what business interruption cover adds.
Daniel
Professional indemnity: who needs it and what it pays for
Professional indemnity insurance covers claims that your advice or service caused a client financial loss. It is not the same as public liability, and many small businesses need both.
Daniel
SME package policies: what a bundled business policy covers
An SME package bundles several types of business cover into one policy. Here is what typically sits inside one, why insurers package them this way, and what small business owners tend to leave out.
Daniel
Public liability insurance for small businesses in Singapore
A customer's fall or a contractor's damaged property can cost a small business far more than the incident itself. Here is what public liability cover does and does not do.
Daniel
Work Injury Compensation Act insurance: which employers must buy it
WICA insurance is compulsory for many employers in Singapore, not optional risk management. Here is who must buy it, what it covers, and how it differs from other cover.
Daniel
Business Protect360 explained: benefits, limits and the fine print
HL Assurance's Business Protect360 packages property, liability and business interruption cover for six industries. Here is what the published page states, and what to check beyond it.
Daniel