Who this is for
Shops, cafés & restaurants with daily footfall
Offices, clinics & service businesses
Showrooms, mini markets & workshops
What it typically covers
- Fire, lightning & extensions on your premises, stock and contents
- Burglary, losses from forced entry and theft of business property
- Money, cash in premises, in safe and in transit to the bank
- Plate glass, broken storefront windows and signage
- Public liability, third-party injury or property damage at your premises
- Employer's liability / workmen, claims from employees injured at work
- Fidelity guarantee, losses from employee fraud or dishonesty
Package eligibility and section structure vary by insurer (e.g. some flexible SME plans require an existing fire policy and a minimum of two sections).
RetailF&BOfficesClinicsWorkshopsMini markets
Common questions
Do I have to take every section?
Depends on the package, some plans bundle all core sections, flexible plans typically require a minimum of two sections. We'll match the structure to how your business actually operates.
My shoplot is rented. Do I still need this?
Yes, the building may be your landlord's problem, but your renovation, stock, equipment, cash and liability to the public are yours.
Is one packaged policy cheaper than separate policies?
Usually, and it's certainly simpler, one renewal date, one claim contact. We'll show you both ways before you decide.
Get your quotation
One question at a time, your personalised quote via WhatsApp or email, usually the same day.