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SME Solutions

Keep your eyes focused on
your business goals

Get covered now

We aim at being simple, comprehensive, and fuss-free in delivering business insurance to small to medium sized enterprises. This is so that you can do what you are best at - run your business.

Here are some industry-specific materials on how this plan is relevant to your business.

SME

Optional addition of benefits

Tailored to make your plan even more comprehensive.

    Double Limit

Choose to Double the Sum Insured limits for greater peace of mind. b


Public Liability Cover  

of S$1,000,000. a



Contents & Stocks Cover

Be covered for accidental loss or damage to your property including glass arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit
 

Be compensated with S$200 per day when your business is interrupted by insured events.
 
 
a Sub-limits apply.
b  Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.
Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Generic) 180 KB
Education

Broaden your business as you would the minds of your students
knowing that we have you covered with Allianz Smart SME

Money Cover

Be compensated in the event of loss of money due to theft whilst the money is in your Premises, or in transit to or from Your Premises. a,c

Fidelity Guarantee Cover

Be compensated in the event of money or other property loss as a result of any act of fraud or dishonesty committed by an employee. b

Double Limit

Choose to Double the Sum Insured limits for greater peace of mind. d

Electronic Equipment Cover

Have your electronic, computer or other data processing equipment be paid for in the event of loss or damage from electrical or mechanical breakdown. c

Public Liability
Cover

of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a

Contents & Stocks Cover
 

Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)
 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit
 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Education) 188 KB
Food & Beverage

Serve your customers with confidence 
as Allianz Smart SME serves your business
with the appropriate cover

Money Cover

Be compensated in the event of loss of money due to theft whilst the money is in your Premises, or in transit to or from Your Premises. a,c

Fidelity Guarantee Cover

Be compensated in the event of money or other property loss as a result of any act of fraud or dishonesty committed by an employee. b

Double Limit

 Choose to Double the Sum Insured limits for greater peace of mind. d

Goods in Transit

                                                                                                  Have your insured equipment and stock-in-trade paid for, or repaired, reinstated or replaced in the event loss or damage whilst in transit. c

Public Liability   Cover

                                                                                              of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a

Contents & Stocks Cover
 

Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)

 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit

 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (F&B) 171 KB
Light Industries

Build your business with confidence and peace of mind
when Allianz Smart SME is part of your toolkit

Work Injury Compensation

Additional cover designed to take care up to 25 of your employees (including yourself, the boss) according to the Work Injury Compensation Act.

Machinery Breakdown Cover

Be compensated when your Plant or Manufacturing Production or Process Equipment suffers physical loss or damage from electrical or mechanical breakdown. b

Double Limit
 

Choose to Double the Sum Insured limits for greater peace of mind. d

Goods in Transit

 Have your insured equipment and stock-in-trade paid for, or repaired, reinstated or replaced in the event loss or damage whilst in transit. c

Public Liability Cover

 of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a

Contents & Stocks Cover

Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)

 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit

 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

 

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Light Industries) 163 KB
Office

Let Allianz Smart SME protect you and your business
from the unexpected

Electronic Equipment Cover

Have your electronic, computer or other data processing equipment be paid for in the event of loss or damage from electrical or mechanical breakdown. c

Fidelity Guarantee Cover
 

Be compensated in the event of money or other property loss as a result of any act of fraud or dishonesty committed by an employee. b

Double Limit
 

Choose to Double the Sum Insured limits for greater peace of mind. d

Public Liability Cover
 

of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a

Contents & Stocks Cover
 

Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)
 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit

 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

 

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Office) 180 KB
Personal Services

Stamp your business with flair and style
as Allianz Smart SME helps to set the stage for you
to serve your clients with peace of mind

Money Cover

Be compensated in the event of loss of money due to theft whilst the money is in your Premises, or in transit to or from Your Premises. a,c

Fidelity Guarantee Cover

Be compensated in the event of money or other property loss as a result of any act of fraud or dishonesty committed by an employee. b

Double Limit

Choose to Double the Sum Insured limits for greater peace of mind. d

Electronic Equipment Cover

Have your electronic, computer or other data processing equipment be paid for in the event of loss or damage from electrical or mechanical breakdown. c

Public Liability
Cover

of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a

Contents & Stocks Cover
 

 Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)

 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit

 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

 

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Personal Services) 166 KB
Retail

Let your retail business serve the community
as Allianz Smart SME helps you do that with peace of mind

Money Cover

Be compensated in the event of loss of money due to theft whilst the money is in your Premises, or in transit to or from Your Premises. a,c

Double Limit

Choose to Double the Sum Insured limits for greater peace of mind. d

Goods in Transit

Have your insured equipment and stock-in-trade paid for, or repaired, reinstated or replaced in the event loss or damage whilst in transit. c

Public Liability Cover

 of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a

Fidelity Guarantee Cover

Be compensated in the event of money or other property loss as a result of any act of fraud or dishonesty committed by an employee. b

Contents & Stocks Cover

Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

Straight Through Processing (STP)

 

Pre-underwritten packages that ease the application process so that your business can be covered immediately.

Business Interruption Benefit

 

Be compensated with S$200 per day when your business is interrupted by insured events.

a Sub-limits apply.
b Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.
c Available in Plus and Extra plans only.
d Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits.

The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

 

Allianz Smart SME Policy Wording 555 KB
Allianz Smart SME Summary of Benefits (Retail) 203 KB

Coverage/Benefits Schedule

Swipe to view more

Comfort

Plus

Extra

All Risks (Contents and Stocks)*
Min Sum Insured = S$75,000
Max. Sum Insured = S$2,000,000
Business Interruption
S$200 per day up to 100 days
Public Liability*
Sum Insured = S$1,000,000
Money*
Sum Insured = S$10,000
Goods in Transit
Sum Insured = S$5,000
Glass Breakage and Signs
Sum Insured = S$10,000
Electronic Equipment
Sum Insured = $20,000
Fidelity Guarantee
Sum Insured = S$5,000
Personal Accident
Sum Insured = S$50,000 per employee;
up to 5 Employees
Machinery Breakdown
Sum Insured = S$20,000

Optional Cover With Additional Premium

Double Limit
Double the Sum Insured limits to the above Benefits (excluding the Content All Risk and Emergency Assistance benefits)
Fire and Other Perils (Building)
Min. Sum Insured = S$75,000
Max. Sum Insured = S$2,000,000
Work Injury Compensation
up to 25 employees including owner

* Sub-limits apply. The exact terms, exclusions and conditions are set out in the Policy Wording.

Let Allianz Smart SME Protect You and Your Business From The Unexpected

  1. Allianz Smart SME Policy is underwritten by Allianz Insurance Singapore Pte. Ltd. (Allianz).
  2. Allianz Smart SME is for Singapore companies with up to 25 employees including the business owner.
  3. The above information is for reference only. If you are unsure if this product is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your financial expectations or needs.
  4. The Policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the Policy, the terms of the Policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the Policy Wording or contact Allianz.
  5. Work Injury Compensation Insurance is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit the GIA or the SDIC websites (www.gia.org.sg or www.sdic.org.sg).
  6. This advertisement has not been reviewed by the Monetary Authority of Singapore.
  7. Information is accurate as at April 2023.

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