What does SMESure's Business Package cover?

It provides a business package with fire insurance, public liability, and Work Injury Compensation (WICA). We provide a detailed quote with specific coverage amounts.

Is WICA insurance mandatory?

Yes, WICA insurance is mandatory by law in Singapore for all employees, regardless of salary.

What is the Singapore Standard Industrial Classification (SSIC) number?

It's a five-digit code that classifies your business activity. We need it to provide an accurate quote.

How do I get a quote?

Provide your company name, SSIC number, industry, number of employees, and email. We'll send the quote to you.

Can a home-based business be insured?

Yes, we can provide a policy that includes professional indemnity and liability coverage for home-based businesses.

When is the earliest I can start my policy?

You need to submit your application at least three working days before your desired start date.

What happens if I underinsure my business?

The payout will be reduced proportionally if the insured amount is less than the actual value of the property.

Is stock automatically covered for festive periods?

Yes, the sum insured for stock increases by 20% for 14 days before major festive holidays.

Does this plan cover risks outside of Singapore?

No, this plan is only for risks located within Singapore.

Trusted by 500+ Businesses for their insurance needs

Get Insured in Under
5 minutes

No forms. No agents. Just instant protection.

Get an instant quote –– Select your industry to begin

This product is underwritten by MSIG Insurance (Singapore) Pte. Ltd.

Why Choose SMESure?

Handpicked
Insurance Matches

Get the coverage you need in just a few clicks!

Customisable
Coverage

Tailor your insurance plans to suit your business needs

Instant
Premium Quotes

Get your premium quotes in less than 5 minutes!

Value-Added
Services

Get access to our partners services with a discounted rate

Safeguarding Your Business
with Reliable Coverage

SMEsure™, developed by EFGH, ensures your business
obtains the necessary insurance coverage without the usual complexities.

Comprehensive Protection with
Business Insurance Package

All Risks

Protect your assets against accidental damage, fire and theft.
Including loss of rent payable and inland transit cover up to $5,000.
Automatically increase the sum insured on Stock in Trade by 20% for two weeks prior to a festive period.

Business Interruption

Covers the additional increased cost of working up to 100 days.
Cover the cost of recompiling records due to Insured Perils under Section 1 and electronic equipment interruption.

Money

Cover the loss of money on the premises and whilst in transit anywhere in Singapore.
Including $5,000 Personal Accident benefits following robbery or hold up.

Work Injury Compensation

Cover your legal obligation to your employees for death or bodily injury arising out of or during employment.

Public Liability

Cover your legal liability to third parties concerning your business operations in Singapore.
Including food and drink poisoning at the premises and treatment risks for hairdressers and beauty salons.

Personal Accident

Compensate your insured employees for accidental death or injury.
Including up to $1,000 in medical expenses and up to $1 million in terrorism cover (excluding biological, chemical agents or nuclear devices).

This product is underwritten by MSIG Insurance (Singapore) Pte. Ltd.

Designed Specifically for
Small and Medium Enterprises (SMEs)

Additional Discounts

No claims on renewal

Multi-location for
5th outlet onwards

Add-Ons to fit your unique needs

Extend Your Policy with
Optional Plans

Fidelity Guarantee

We protect your business against direct financial losses incurred due to fraudulent or dishonest acts committed by any insured employee.

Deterioration of Stocks

We insure your business against deterioration and damage to refrigerated or frozen stock due to accidental failure of your cold chambers and refrigeration units.

Goods in Transits

We make it up to you when your stocks are damaged in transit, loading and unloading within Singapore.

Special Discount

Fire & Extraneous Perils for Building

Enjoy 50% discount on All Risks rate if you opt for Fire & Extraneous Perils to insure your building against damage by fire, lightning, domestic explosion and other insured perils.

Supercharge With Our
Value Added Service

Penetration Testing

IT Services

Loan Consultancy

General Consultancy

Many More...

Customer Testimonials

Running a bakery, we already juggle ovens, suppliers & the occasional exploding mixer. Honestly the last thing we need is wrestling with insurance agents. SMEsure's website made it as easy as ordering flour online.No middlemen, no long calls, just a few clicks and even before the cake was out of the oven, it was done. Honestly, it was so smooth I half expected a free cupcake to pop out of the screen.

Dapiku Sweets Pte Ltd

Business Owner

The process of purchasing general insurance was smooth and hassle-free. The team was responsive, knowledgeable, and took the time to explain the coverage options clearly.

Mr Neo

Business Owner, Jenxsis Pte Ltd

The entire process—from quotation to policy issuance—was efficient and smooth. I truly appreciate the responsive service and peace of mind knowing our business is well protected.

Mr Tan

Business Owner, W.interior Pte Ltd

Dapiku Sweets Pte Ltd

Business Owner

The process of purchasing general insurance was smooth and hassle-free. The team was responsive, knowledgeable, and took the time to explain the coverage options clearly.

Mr Neo

Business Owner, Jenxsis Pte Ltd

The entire process—from quotation to policy issuance—was efficient and smooth. I truly appreciate the responsive service and peace of mind knowing our business is well protected.

Mr Tan

Business Owner, W.interior Pte Ltd

Get Started Today
with SMEsure™

Insure Your Business in Minutes

Get A Free Quote

Boost Your Business with
Our Partner Ecosystem

SMEsure™ —
Insurance,
Reimagined for Growth

EFGH (Embed Financial Group Holdings) is an innovative insurance technology company based in Singapore, focused on transforming how insurance fits into everyday life.

By harnessing technology and building strong partnerships, we make insurance accessible and effortless. Our mission is to simplify insurance, ensuring your life without disrupting it.

Learn More About EFGH