Tell us about your business. A verified insurance professional who covers your area will get in touch to explain what cover is required, what is worth having and what to compare, before you commit.
A verified professional will get in touch.
Which you need depends on what your business does. A professional can help you decide.
Cover for employees who are injured or made ill by their work. Compulsory for many employers.
Cover for claims from the public for injury or damage caused by your business.
Cover for claims that your advice or service caused a client a financial loss.
Cover for your premises, equipment and the stock you hold.
Cover for lost income if you have to stop trading after an insured event.
Cover for data and online attacks, workers' medical costs and directors and officers.
The trade or service, and the risks that come with it.
Turnover and the number of people who work for you.
The value of premises, stock, equipment or contracts.
Past claims, and how long you have traded.
The amount the policy will pay out for each claim.
What you pay towards a claim yourself.
Ask for the firm's and the representative's details and check them on the MAS registers.
And is anything I have missing?
In writing, for the work my business actually does.
For each type of cover.
Particularly for professional indemnity.
What cancellation terms apply to a business policy.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Some business insurance is a legal requirement and some only protects you. You hear which is which for a business like yours.
Insurers expect you to disclose what matters about your business. You hear what to tell them, so a claim isn't put at risk.
You get the options explained. Whether to buy, and from whom, is always your decision.
If you employ people, the Work Injury Compensation Act requires you to insure employees who do manual work, and non-manual employees below a set salary level, against work injury. If you have foreign workers, the Ministry of Manpower sets medical insurance requirements. Vehicles need motor insurance. Other cover, such as public liability, usually isn't required by law, but landlords, clients and licensing bodies often ask for it.
It covers claims from members of the public who are injured, or whose property is damaged, because of your business. Many landlords, venues and clients require it before you can lease a space or work for them.
It covers claims that your advice or service caused a client a financial loss. It matters for anyone who gives advice or designs, and some licences and professional bodies require it. Ask whether it covers claims made after you stop trading.
Depending on what you do: cover for your premises, stock and equipment, business interruption if you have to stop trading, cyber cover, cover for directors and officers, and cover against dishonesty by employees. A professional can help you decide what is worth paying for.
You should answer honestly and completely, and tell the insurer about changes during the policy. If you leave out something important, a claim could be reduced or refused. If you aren't sure whether something matters, ask and tell the insurer.
By what your business does, its size and turnover, the number of staff, the value of what is covered, your claims history and the limits and excess you choose.
There are programmes and grants that help small businesses with costs, including technology, and some insurers offer packages for small businesses with set cover. Ask a professional what's available for a business your size, and compare it with cover built for your trade.
Cancellation terms for business policies differ, and may include fees or a reduced refund. Ask what applies before you commit, and read your policy.
Complain to the insurer first. If you're not happy with the answer, some small businesses can take it to the Financial Industry Disputes Resolution Centre, depending on their size, so ask what applies.
What your business does, roughly how many people work in it and your turnover, whether you have premises, vehicles or foreign workers, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance or legal advice. Any quote or advice comes from the firm that contacts you. Check that a firm or representative is licensed or registered with the Monetary Authority of Singapore (MAS) before you share personal or payment details.
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