SME SmartPlan


Harness your time more effectively with SME SmartPlan – the one package for all your insurance needs. It gives you the flexibility to increase the coverage limits or add on optional covers to suit your unique requirements.

All Risks: We will pay for your accidental loss or damage to your real (excluding building) and personal property. This also includes burglary even without forcible or violent entry.
Work Injury Compensation: We will compensate you against any work accidents or illnesses claims, relating to your responsibility as employer.
Daily Cash for Business Interruption: Business interruption from an outbreak of infectious disease or during failure of electricity supply could result in additional cost and expense to your business. We pay daily cash during the period of interruption.
Theft of Money: We compensate you against any loss or damage to your money (currency notes, cheques, credit card, and sales vouchers).
Public Liability: We will compensate for claims in the case of third parties’ death or injury following an accident that your business is responsible of. Third parties include walk-in customers or damages to a neighbouring occupier’s property.
Worldwide Personal Accident: We will pay you or your staff a lump sum payout in the event of accidental death or permanent disability, as well as daily hospital cash in the event of hospitalisation due to accident occurring anywhere in the world.
Fidelity Guarantee: We compensate you against any financial loss arising from any act of fraud or dishonesty committed by your employees.
Business Interruption Cover: We will pay you for the loss of income on gross profit basis, due to loss or damage insured under All Risks, up to an indemnity period of 12 months.
Fire on Building: We cover you against loss of or damage to your insured building due to fire or extraneous perils, such as lightning, flood, riot, strike, etc.
Other Additional Benefits: Enjoy 5% increase yearly for All Risks cover up to 15% of the original sum insured if no claims have been made during the preceding periods of insurance.
Terms & Conditions
NO CLAIM EXPERIENCE: No claim experience for the past 3 years.
PREMISES PROTECTION: All entrances to your premises are protected with roller shutter / glass door / iron grilles and padlock.
PROPOSED INSURANCE: The proposed insurance now has not been declined, cancelled, refused renewal or subject to any special terms by any other insurance company.
SOLE OWNERSHIP: The premises are solely occupied by you for your business and are not shared premises.

Important Notice

This insurance plan is underwritten by AXA Insurance Singapore Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Singapore Pte Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the plan. You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such policies are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners’ Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at or visit the LIA, GIA or SDIC websites (, or for a copy of the SDIC Guide on PPF Scheme.

Sanction Clause

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose AXA to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, UK, USA or Singapore.