• Fire and burglary insurance in one policy
• Covers loss or damage to property by any accident or misfortune (unless excluded in the policy)

Covers loss or damage to buildings and contents due to:

• Theft following forcible and violent break-in or exit from the premises
• Loss or damage due to attempted theft

Covers loss or damage to buildings and contents dues to:
Flooding or water leakage, lightning strikes, acts of God, explosions, impact damage, malicious damage such as vandalism, riots and strikes, and other external events.

Covers all risks of accidental physical loss or damage to machinery (unless excluded in the policy).

Covers loss of money due to any cause, either on the premises or in transit.

Covers goods in transit by land, air or sea and goods held in transit warehouses.

Covers losses to business profits because of business interruption, e.g. after a fire or flood.

• Provides personal accident protection for the guarantor(s) of a DBS business loan.
• In the event of death and/or total permanent disability of the guarantor(s), this policy can be used to pay off the outstanding loan.

• Covers loss or damage to contract works, loss or damage to materials on site and legal liability to third parties.
• Coverage can be purchased by the contractor or developer.

Covers financial losses resulting from acts of fraud or dishonesty committed by employees.

Covers legal liability to third parties for accidental bodily injury/loss of, or damage to property during business hours.

Provides lump sum cash payouts to employees (or their families) in the event of accidental death/dismemberment and total and permanent disability due to an accident.

Covers the cost of hospitalisation and surgical procedures for your employees (subject to limits).

Covers the cost of medical emergencies and repatriation, trip curtailment and loss or damage to luggage, money and personal effects.

A statutory requirement that provides coverage for medical leave wages, medical expenses and lump sum compensation for permanent incapacity or death, if any.

Protects directors and key officers of companies against being personally liable for huge legal expenses and bad publicity.

Commercial General Insurance protects against a range of claimable events such as fire, flood, theft and accidental damage. We also offer protection for your company assets, operations and people.

Our Corporate Bancassurance Managers can help identify the best solution for you. However, coverage is subject to underwriting and price is determined on a case-by-case basis, after evaluation by the relevant underwriter.

Policies are not automatically renewed unless otherwise stated in the policy contract. Renewal notices are sent to the policy owner before expiry. However, the policy owner is required to reply to the insurance company with a confirmation. Otherwise, the policy will lapse.

^These policies are 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 MSIG or GIA or SDIC websites (www.msig.com.sg, www.gia.org.sg or www.sdic.org.sg)

* Protection under the Policy Owners’ Protection Scheme is accorded for personal fire insurance only

As a business owner, you may want to be protected by the following:

• Fire or all-risk insurance

• Business interruption insurance

• Work injury compensation insurance (mandatory)

• Public liability policy

• Trade (marine) cargo insurance (if your business involves the trade of goods)