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Grow your business. Not your risks.

Allianz Smart SME, designed for businesses including Retail, Personal Services, F&B, Light Industries, Education & more.

  • Business Interruption Benefit

    Be compensated with S$200 per day when your business is interrupted by insured events.

  • Public Liability Cover1

    of S$1,000,000.

  • Double Limit2

    Choose to Double the Sum Insured limits for greater peace of mind.

  • Straight Through Processing (STP)

    Pre-underwritten packages that ease the application process so that your business can be covered immediately.

  • Optional Addition of Benefits

    Tailored to make your plan even more comprehensive.

Note:1 Sub-limits apply. 2 Excluding the All Risks (Contents and Stocks) and Emergency Assistance benefits. The exact terms and conditions to all benefits mentioned above are stated in the Policy Wording.

Enjoy 35% off your Allianz Smart SME
first year premium.

Promotion valid till 31 Dec 2026.
T&Cs apply

Apply Now

Coverage / Benefits Schedule

Allianz Smart SME 
Plan & CoverageCOMFORTPLUSEXTRA
All Risks (Contents And Stocks)1
Min Sum Insured = S$75,000. Max Sum Insured = S$2,000,000		✔✔✔
Business Interruption
S$200 per day up to 200 days		✔✔✔
Public Liability1
Sum Insured = S$1,000,000		✔✔✔
Money1
Sum Insured = S$10,000		 ✔✔
Goods In Transit
Sum Insured = S$5,000		 ✔✔
Glass Breakage And Signs
Sum Insured = S$10,000		 ✔✔
Electronic Equipment
Sum Insured = S$20,000		 ✔✔
Fidelity Guarantee
Sum Insured = S$5,000		  ✔
Personal Accident
Sum Insured = S$50,000 per employee; up to 10 Employees		  ✔
Machinery Breakdown
Sum Insured = S$20,000		  ✔
OPTIONAL COVER WITH ADDITIONAL PREMIUM
Double Limit
Double the Sum Insured limits to the above Benefits (excluding the Content All Risk and Emergency Assistance benefits)		✔✔✔
Fire And Other Perils (Building)
Min Sum Insured = S$75,000. Max Sum Insured = S$2,000,000		✔✔✔
Work Injury Compensation
up to 25 employees including owner		✔✔✔

1 Sub-limits apply. The exact terms, exclusions and conditions are set out in the Policy Wording.

FAQs

The businesses must be located in Singapore.

If any Contents and Stocks at the time of occurrence of damage or loss be greater than the Sum Insured then the amount payable by the Company in respect of the loss or damage shall be proportionately reduced.

This is information required by the Ministry of Manpower. This information should be transmitted as accurately as possible as it will affect compensation and inaccurate reporting may result in a shortfall that the Insured may have to cover.

Please contact Allianz at +65 6222 1919 or email CustomerService@allianz.com.sg for further assistance.

Yes businesses conducted in the open such as open stalls or hawker stalls can be insured under Smart SME. Reasonable precautions to protect the safety of your property and business must be taken including protection against theft and inclement weather.

Businesses run from pre-war premises can be insured under Smart SME.

  • Refer to Policy Wordings for major exclusions which includes any loss, damage or other contingency occasioned by or through or in consequence, directly or indirectly, of any of the following occurrences namely:
    • War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war.
    • Mutiny, riot, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
    • Any act of terrorism.
  • Policy Wording for details of Terms & Conditions and Exclusions
  • Terms and Conditions for Allianz Smart SME Promotion

This webpage is not a contract of insurance and reference should be made to the actual policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon acceptance of your application by Allianz Insurance Singapore Pte. Ltd., ("Allianz"). It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are underwritten by Allianz, and they are not products of, nor are they underwritten by Standard Chartered Bank (Singapore) Limited ("SCBSL").

SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, SCBSL is acting in alliance with the insurer and not as an agent for customers. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

This Policy is 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 contact Allianz or visit the GIA or SDIC websites. (www.gia.org.sg or www.sdic.org.sg).

Enjoy 35% off your Allianz Smart SME first year premium

Apply Now