Start with what the law requires
Two covers are compulsory for most Singapore employers. Get those right first, then build out from your actual risks.
WICA / Work Injury Compensation
Compulsory for all manual workers and non-manual employees earning S$2,600/month or less. Fines up to S$10,000 or jail for non-compliance.
What WICA requires →Foreign Worker Medical Insurance
Mandatory for every Work Permit and S Pass holder — at least S$60,000 annual coverage under MOM's enhanced requirements.
FWMI requirements →What's actually compulsory?
The full checklist of legally required cover for Singapore businesses, by situation — employees, vehicles, foreign workers, and public projects.
Read the checklist →Check who you must insure → Five questions, no sign-up.
Who this is written for
The person who actually has to decide
Not brokers. Not underwriters. The owner who opens up on Monday, employs six people, signs the lease, renews the work injury policy — and has to work out what any of it actually means.
Every page here is written for her, in the words she would use, about the rules that apply in Singapore.
Find your industryEvery type of business insurance, explained
What each cover protects, who needs it, what it costs, and the questions to ask before you buy.
Business Interruption Insurance
Extends property insurance to replace lost gross profit and continuing costs while you recover from insured damage.
Learn more →Commercial Motor & Fleet Insurance
Compulsory third-party cover for every vehicle under Singapore law, plus comprehensive and fleet options for business use.
Learn more →Commercial Property & Fire Insurance
Protects premises, renovation, stock and equipment against fire and other damage. Often required under your tenancy agreement.
Learn more →Contractors' All Risks (CAR) Insurance
Covers construction and renovation works, materials and third-party damage. Routinely required by landlords, MCSTs and main contractors.
Learn more →Cyber Insurance
Covers ransomware, data breaches, email fraud and PDPA fallout — response costs, lost income and third-party claims.
Learn more →Directors & Officers (D&O) Liability Insurance
Protects directors' personal assets against claims from their decisions. Key for companies with investors or regulated activities.
Learn more →Group Employee Benefits Insurance
Group life, medical, accident and outpatient cover for staff. A talent tool — not a substitute for WICA or FWMI obligations.
Learn more →Marine Cargo Insurance
Covers goods in transit by sea, air and land. Essential for importers and exporters — your Incoterms decide when you're on risk.
Learn more →Professional Indemnity Insurance
Covers negligence, errors and omissions in professional work. Required by some professional bodies and many B2B contracts.
Learn more →Public Liability Insurance
Covers third-party injury and property damage. Not legally compulsory, but contractually required almost everywhere.
Learn more →Work Injury Compensation (WICA) Insurance
Compulsory cover for workplace injuries. Required for all manual workers and non-manual staff earning ≤S$2,600/month.
Learn more →Built around your industry
A café's risks are not a contractor's. Find yours for a checklist of what matters — and what you can skip.
Insurance for Car Workshops & Automotive Services
Customers' vehicles in your custody, WICA for mechanics, fire risk from paint and solvents — the workshop cover gaps that matter.
See what you need →Insurance for Beauty & Wellness Businesses
Treatment liability, public and product liability, WICA for therapists and landlord requirements — cover for salons, spas and studios.
See what you need →Insurance for Cleaning Companies
WICA compulsory for the whole crew, public liability for client premises, FWMI for foreign workers — cleaning company cover explained.
See what you need →Insurance for Construction Companies
WICA for high-risk workers, contractors' all risks, public liability, FWMI and bonds — the full construction insurance stack.
See what you need →Insurance for Renovation Contractors
CAR per project, public liability, WICA for site workers and tools cover — what reno contractors need before work starts.
See what you need →Insurance for E-commerce Businesses
Stock in storage and transit, product liability, cyber and PDPA exposure, and the cover online sellers wrongly assume they already have.
See what you need →Insurance for Tuition & Enrichment Centres
Public liability for children on your premises, mall landlord requirements, staff WICA and abuse cover — what tuition centres need.
See what you need →Insurance for F&B Businesses
Compulsory WICA for kitchen staff, landlord-required public liability, fire and food poisoning cover — what F&B actually needs.
See what you need →Insurance for Interior Design Firms
PI vs PL for design firms, contractors' all risks during the build, and what the MCST will demand before works start.
See what you need →Insurance for Logistics & Transport Companies
Compulsory motor cover, goods-in-transit vs marine cargo, warehouse property and WICA for drivers — logistics insurance explained.
See what you need →Insurance for Manufacturing & Light Industrial
WICA for a manual workforce, fire and machinery breakdown, product liability and the single-production-line problem.
See what you need →Insurance for Clinics & Healthcare Practices
Malpractice/PI as the core cover, plus clinic property, WICA for staff and premises liability — insurance for healthcare practices.
See what you need →Insurance for Professional Services Firms
PI as the core cover, client contract requirements, cyber for client data and an office package — insurance for firms that sell expertise.
See what you need →Insurance for Retail Businesses
Public liability for customer slips, stock and shopfront cover, burglary protection and WICA for staff — retail insurance explained.
See what you need →Insurance for Tech Startups
Tech E&O for client contracts, cyber cover, D&O for funded startups, group benefits — and the WICA rule founders miss.
See what you need →How it works
We're the starting point, not the insurance agency. Here is exactly what happens to your enquiry.
Tell us your needs
Two minutes: what your business does, headcount, and what you want covered.
We verify & pass it on
With your PDPA consent, your enquiry goes to a licensed insurance professional — one, not a bidding pool.
You get quotes
They contact you with options and straight answers. You compare and decide. No obligation.
Guides business owners actually search for
Straight answers to the questions that send people looking in the first place.
Business Insurance for Sole Proprietors in Singapore
No corporate shield means personal assets are exposed. What sole proprietors should insure, and what changes when you hire.
Read the guide →Business Interruption Insurance, Explained
How BI sits on top of property cover: gross profit, increased cost of working, indemnity periods — with a worked F&B fire scenario.
Read the guide →Can You Buy WICA Insurance Online?
Online WICA cover suits a small low-risk team. Mixed workforces, high-risk trades and subcontractors need a conversation.
Read the guide →Can You Claim GST on Business Insurance?
Why the GST question on insurance is genuinely confusing, and exactly what to ask IRAS or your accountant.
Read the guide →How to Get Cheaper WICA Insurance
Real levers for a lower WICA premium — and why under-declaring headcount is the most expensive saving in this market.
Read the guide →Commercial Vehicle Insurance in Singapore: A Guide
The compulsory third-party minimum, comprehensive vs TPFT vs TPO, goods and courier use, named vs any-driver, and fleets.
Read the guide →