Insurance that's structured around how your business actually runs.

A retail tenant faced a $40,000 stock loss after a burst pipe. Because their SME package bundled property damage with business interruption, the payout covered both the ruined inventory and three months of lost rental income during renovations.

A precision parts manufacturer lost a core production line to an electrical fire. The IAR policy's business interruption extension replaced six weeks of lost gross profit while replacement machinery was sourced and installed.

Heavy rainfall flooded a basement excavation two weeks before handover, damaging formwork and installed M&E works. The CAR policy covered reinstatement costs, keeping the project on its committed completion date.

A design consultancy was sued after a specification error led to a costly rework. Their PI policy funded the legal defence and eventual settlement, without the firm drawing down its own reserves.

A food distributor faced a claim after a packaging fault caused a customer injury. Product liability cover met the claimant's medical costs and the distributor's legal fees, preserving the retail partnership.

A visitor slipped on a wet floor in a showroom and required hospital treatment. Public liability cover settled the medical claim directly, avoiding a protracted landlord-tenant dispute.

A trade show organiser faced a claim after rigging equipment damaged a neighbouring booth's display. Event liability cover resolved the claim within the policy period, with no impact on future venue bookings.

Shareholders brought a claim against a company's directors over a disputed business decision. D&O cover funded the directors' independent legal representation, keeping personal assets outside the dispute.

A ransomware attack encrypted a logistics firm's order management system. Cyber cover funded forensic recovery, a negotiated ransom response and the revenue lost during four days of downtime.

A container of electronics was damaged by seawater ingress during a rough crossing. Marine cargo cover reimbursed the full invoice value of the shipment, protecting the importer's margin on the order.

A forwarder mis-booked a shipment's routing, causing a delay and a client claim for spoiled perishable goods. Freight forwarder liability cover met the claim and preserved the client relationship.

A jeweller's courier was robbed while transporting a consignment between outlets. Specie cover reimbursed the full assessed value of the stolen pieces within weeks of the claim being lodged.

A gallery shipment was damaged in transit ahead of an overseas exhibition. Fine art cover paid for professional restoration and covered the temporary loss of value while the piece was off the market.

A warehouse worker fractured his arm in a forklift incident. WICA cover met his medical bills and statutory compensation directly, keeping the employer compliant and the claim out of civil court.

When a work permit holder's contract was terminated early, the bond covered the repatriation costs the employer was obligated to bear, satisfying MOM requirements without a cash outlay.

A construction worker required emergency surgery after an on-site accident. His medical insurance covered the inpatient stay in full, meeting the employer's statutory duty of care at no extra cost.

A growing tech firm added group hospitalisation and outpatient cover to its benefits package and saw a marked drop in offer declines during its next hiring round, per feedback from its HR team.

An employee suffered a permanent partial disability in a traffic accident outside working hours. The group personal accident plan paid a lump sum that supported his recovery and return to modified duties.

A sales manager was hospitalised overseas after a sudden illness during a client trip. Group business travel cover arranged and paid for medical evacuation and treatment, at no cost to the employee.

A founder-led firm lost its technical co-founder to a sudden critical illness. Keyman proceeds funded a six-month executive search and kept payroll and supplier commitments met during the transition.

A policyholder broke a leg in a cycling accident. The daily hospital income benefit helped offset lost freelance earnings during an eight-week recovery period.

A family's flight was cancelled due to a regional weather event, forcing an unplanned overnight stay. Travel insurance reimbursed the hotel and rebooking costs within days of the claim.

A kitchen fire caused extensive damage to a homeowner's property and destroyed several valuable items stored nearby. The combined policy covered both the structural repair and item replacement.

A break-in resulted in the loss of electronics and personal items from a rented apartment. Home contents cover reimbursed the replacement cost in full, without any claim against the building's own policy.

A dog owner faced a large vet bill after their pet swallowed a foreign object requiring emergency surgery. Pet insurance covered the bulk of the surgical and hospitalisation costs.