SME Solutions

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.

Use promo code ‘AZSSME30’ to enjoy 30% off your premium on Allianz Smart SME TODAY!

Promotion ends on 30 Sep 2024. Terms and Conditions apply.

SME
Tailored to make your plan even more comprehensive.
Choose to Double the Sum Insured limits for greater peace of mind. b


of S$1,000,000. a



Be covered for accidental loss or damage to your property including glass arising from accidents such as fire, smoke damage and sprinkler leakage. a
Pre-underwritten packages that ease the application process so that your business can be covered immediately.
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.
Education
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
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
Choose to Double the Sum Insured limits for greater peace of mind. d

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
of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a
Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a
Pre-underwritten packages that ease the application process so that your business can be covered immediately.
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.

Food & Beverage
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
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
 Choose to Double the Sum Insured limits for greater peace of mind. d
                                                                                                  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
                                                                                              of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a
Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

 

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

 

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.

Light Industries
Additional cover designed to take care up to 25 of your employees (including yourself, the boss) according to the Work Injury Compensation Act.
Be compensated when your Plant or Manufacturing Production or Process Equipment suffers physical loss or damage from electrical or mechanical breakdown. b
Choose to Double the Sum Insured limits for greater peace of mind. d
 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
 of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a
Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

 

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

 

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.

 

Office
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
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
Choose to Double the Sum Insured limits for greater peace of mind. d
of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a
Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a
Pre-underwritten packages that ease the application process so that your business can be covered immediately.

 

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.

 

Personal Services
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
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
Choose to Double the Sum Insured limits for greater peace of mind. d
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
of S$1,000,000, including legal liability arising from visits outside Singapore by employees in connection with your business. a
 Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

 

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

 

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.

 

Retail
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
Choose to Double the Sum Insured limits for greater peace of mind. d
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
 of S$1,000,000, including the unfortunate event of legal liabilities arising from food poisoning. a
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
Be covered for accidental loss or damage to your property including glassc arising from accidents such as fire, smoke damage and sprinkler leakage. a

 

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

 

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.

 

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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
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.
  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.