Commercial Lines

Business owners rejoice!

Winner Insurance Agencies is your one stop solution to you insurance matters. Licensed and well qualified to transact in both personal and commercial insurance, we are certain that we are well equipped to meet all your personal and business insurance needs.

If you are a business owner or an entrepreneur and are looking for a sound advice on insurance programs in relation to your business, do call us at 62838611 to arrange for an appointment.

Commercial All Risks

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

Contractors / Erection All Risks

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.

Consequential Loss Insurance

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.

Equipment All Risk

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.

Fire Insurance

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

Foreign Workers


  • Domestic Maid Insurance

  • Philippines Embassy Bond

  • Medical Insurance

Non Domestic

  • Medical Insurance

From 1 January 2010, employers are required to purchase medical insurance with a minimum coverage of S$15,000 per year for each of their Work Permit Holders (including Foreign Domestic workers) and S Pass Holders’ inpatient care and day surgery.

Read more…

Fidelity Guarantee

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

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.

Money Insurance

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

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

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

Workmen Compensation

In accordance with Section 23(1) of the Workmen’s Compensation Act, it is compulsory for an employer to insure his employees against accidental bodily injury arising out of and in the course of employment.

Employees that require compulsory cover are,

  • those whose monthly earnings do not exceed S$1600

  • any manual employee regardless of their monthly earnings

Employers may choose to insure all their employees to protect themselves from any liability that may result.

It is not mandatory for employers to buy insurance for employees who are involved in non-manual work and have monthly earnings of above $1,600. Nonetheless, employers will be required to pay compensation in the event of a valid claim, even if they do not buy insurance for this group of employees.