Insured United Agency
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SME SmartPlan

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.

Benefits 

  • 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

The information provided here is a summary and for general information only. Although care has been taken in preparing the information provided to you, we will not responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. Please refer to the actual policy wordings for the terms and conditions. You may refer to www.axa.com.sg for detailed information about the product.