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Business insurance by industry

Insurance needs differ by trade. Find your industry for a checklist of the cover that matters, what's compulsory, and what it roughly costs.

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.

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Insurance for Beauty & Wellness Businesses

Treatment liability, public and product liability, WICA for therapists and landlord requirements — cover for salons, spas and studios.

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Insurance for Cleaning Companies

WICA compulsory for the whole crew, public liability for client premises, FWMI for foreign workers — cleaning company cover explained.

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Insurance for Construction Companies

WICA for high-risk workers, contractors' all risks, public liability, FWMI and bonds — the full construction insurance stack.

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Insurance for Renovation Contractors

CAR per project, public liability, WICA for site workers and tools cover — what reno contractors need before work starts.

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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.

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Insurance for Tuition & Enrichment Centres

Public liability for children on your premises, mall landlord requirements, staff WICA and abuse cover — what tuition centres need.

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Insurance for F&B Businesses

Compulsory WICA for kitchen staff, landlord-required public liability, fire and food poisoning cover — what F&B actually needs.

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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.

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Insurance for Logistics & Transport Companies

Compulsory motor cover, goods-in-transit vs marine cargo, warehouse property and WICA for drivers — logistics insurance explained.

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Insurance for Manufacturing & Light Industrial

WICA for a manual workforce, fire and machinery breakdown, product liability and the single-production-line problem.

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Insurance for Clinics & Healthcare Practices

Malpractice/PI as the core cover, plus clinic property, WICA for staff and premises liability — insurance for healthcare practices.

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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.

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Insurance for Retail Businesses

Public liability for customer slips, stock and shopfront cover, burglary protection and WICA for staff — retail insurance explained.

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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.

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