1. Performance Bond
2. Advance Payment Bond
3. PSA Bond / ICA Bond / MPA Bond / Jurong Port Bond
4. Qualifying Certificate Bond
5. Rental bond
6. Retention bond
7. Employment Agency Bond
8. GST Bond
9. Customs Bond
10. Bid/Tender Bond
11. Advertising Bond

This policy covers your property for any accidental physical loss or damage (other than loss or damage specifically excluded in the policy).

As a building contractor or developer, you would need to protect your capital investments against loss or damage to the work in progress or materials purchased for the purpose of incorporating into the project.

In addition you would also need to protect your liability against third party claims arising from the construction activities of the works.

The Contractors / Erection All Risks policies are specially designed to cater for these needs.

This policy can be taken with an existing fire policy.

A Fire Policy covers material damage to a building and contents. This policy offers protection against the loss of gross profits that your business suffers as a result of a claim under your Fire Policy.

This policy protects your business equipment and machinery. It indemnifies you against the risk of accidental physical loss or damage to property due to external causes while at your premises, during loading, unloading or land transit.

This insurance indemnifies you against damage to your property caused by fire, lightning or explosion.

Domestic

• Domestic Maid Insurance
• Philippines Embassy Bond
• Medical Insurance

Non-Domestic

• Medical Insurance

What it should cover
As an employer, you must buy and maintain MI with coverage for inpatient care and day surgery, including hospital bills for conditions that may not be work-related. The coverage for each Work Permit holder has to be at least:

• (For policies with start date effective before 1 July 2023) $15,000 per year
• (For policies with start date effective on or after 1 July 2023) $60,000 per year

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This policy indemnifies you if you suffer direct or pecuniary loss arising from any act of fraud or dishonesty committed by an employee.

Marine Insurance can be categorised into Marine Cargo Insurance and Marine Hull Insurance.

The Marine Cargo Insurance offers protection for your goods against damage or loss during transit.

The Marine Hull Insurance protects you against liability for damage to other vessels if there is an accident at sea. This policy also insures your vessel against loss or damage to the hull and machinery.

Our Money Policy indemnifies you against the loss of money while,

• in transit between your premises and the bank or post office and vice versa
• at your premises, provided all money is securely locked in a safe, strongroom, drawers, cabinets or cash registers

Public Liability Insurance protects you from legal claims in connection with your business against,

• accidental bodily injury or illness to persons
• accidental loss or damage to property in Singapore

It also includes,

• all costs and expenses of litigation recoverable by any claimant against you
• costs incurred with our written consent

Products Liability insurance is designed to help protect businesses for claims that arise from personal injury and property damage as a result of an occurrence in connection with your products. It also covers the defence costs that are incurred in respect of the claim.

What is Covered?

• Personal injury and property damage caused by products supplied by your business

Features and Benefits

Personal injury cover includes bodily injury including death, illness, disability, shock, fright, mental anguish and mental injury.

Property damage cover includes,

• Actual physical damage to tangible property
• The loss of use of tangible property which has not been damaged but cannot be used due to damage to other tangible property

Who needs to be insured
If you are an employer, you are required to buy work injury compensation insurance for:

• All employees doing manual work, regardless of salary level.
• All employees doing non-manual work, earning a salary of $2,600 or less a month, excluding any overtime payment, bonus payment, annual wage supplement, productivity incentive payment and any allowance.

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