Small Medium Enterprise

Standard Package range from Office, F&B, Retail & Personal Services available from $188 onward

Small Medium Enterprise

SmartPLAN for SME – the one package for all your insurance needs that fit your trade. It gives you the flexibility to increase the coverage limits or add on optional covers to suit your unique business and requirements.

SmartPlan OFFICE

Offer better protection for any office or business insurance. It gives you the flexibility to increase the coverage limits or add on optional covers to suit your unique requirement.


SmartPlan RETAIL

Insurance packages that are specially made for your Retail Business.


SmartPlan F&B

Operate your F&B Business with a peace of mind.



Material Damage,Third Party liability,Workmen Injury Compensation.



1. All Risks

We will pay for your accidental loss or damage to your real (excluding building) and personal property.

2. Work Injury Compensation

As an employer, it is mandatory that you protect your employees engaged under a contract of service against work accidents or illnesses. We will compensate you against any claims, relating to your responsibility as employer.

Optional Cover

3. Daily Cash for Business Interruption

Business interruption from an outbreak of infectious disease or during failure of electricity supply could result in additional cost and expense to your business. We pay daily cash during the period of interruption.

4. Theft of Money

We compensate you against any loss or damage to your money (currency notes, cheques, credit card, sales vouchers)

5. Public Liability

We will compensate for claims in the case of third parties’ death or injury following an accident that your business is responsible of. Third parties include walk-in customers or damages to a neighboring occupier’s property.

6. Worldwide Personal Accident

We will pay you/your staff a lump-sum in the event of accidental death or permanent disability. We will also offer daily hospital cash in the event of hospitalization due to accident occurring anywhere in the world.

7. Fidelity Guarantee

We compensate you against any financial loss arising from any act of fraud or dishonesty committed by your employees.

8. Business Interruption Cover (Gross Profit Basis)

We will pay you for the loss of income, due to loss or damage insured under All Risks, up to an indemnity period of 12 months.

9. Fire on Building

We cover you against loss of or damage to your insured building due to fire or extraneous perils, such as lightning, flood, riot, strike, etc.