MyBusiness Insurance

Protecting every aspect of your business

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Cover for your small and medium enterprise

Don't let things go wrong. Protect your business against risks and exposures with our complete protection solution. From public liability to protection against property damage and many more.

Tailored for your business needs

Our advisers and underwriters will work closely with you to understand what will best suit your needs.

Quick and easy claims

We make advance upfront claims payment upon admission of claim.1

All Risks coverage up to S$2 million

We protect your business contents against physical loss or damage due to accidental causes.

Freedom to keep your business running

Depending on how many employees you have and the nature of your business, we'll provide practical advice to suit your business needs.

Minimum core cover

For your business when you employ only 2 manual employees.

  • All Risks
    Protects business against accidental loss or damage to contents.
    Sum insured up to S$100,000
  • Public Liability
    Covers business against legal liability for third party injury or property damage.
    Sum insured up to S$500,000
  • Work Injury Compensation
    Covers employee claims due to work-related accidents or illnesses under the Work Injury Compensation Act (WICA).
    For Manual Employees: Up to 2 employees

Maximum core cover

For your business when you employ up to 25 employees.

  • All Risks
    Protects business against accidental loss and damage to contents.
    Sum insured up to S$2,000,000
  • Public Liability
    Covers business against legal liability for third party injury or property damage.
    Sum insured up to S$5,000,000
  • Work Injury Compensation
    Covers employee claims due to work-related accidents or illnesses under the Work Injury Compensation Act (WICA).
    For Manual and Non-Manual Employees: Up to 25 employees

Add-on cover (optional)

Depending on the nature of your business, these add-ons might be useful to protect your business.

  • Increased Cost of Working
    Covers increased costs incurred to avoid or minimise reduction in the business turnover (up to 100 days).
    Sum insured from S$100 to S$500 per day
  • Business Interruption (Gross Profit)
    Covers loss of profit in the event business is disrupted due to property damage.
    Sum insured from S$100,000 to S$1,000,000
  • Fidelity Guarantee
    Covers financial loss due to fraud or dishonesty by employees, up to S$1,000 for any occurrence and up to S$10,000 for entire policy term.
    Maximum 25 employees
  • Money in Transit and Premises
    Covers loss of money in transit or in a business space under the custody of an employee.
    Sum insured from S$5,000 to S$10,000
  • Plate Glass
    Covers accidental damage to all glass fixtures and fittings. 
    Sum insured from S$5,000 to S$50,000

Practical protection for various industries

Our plans are customised so they are relevant to each industry.

F&B (Caterer & Food Delivery)

For businesses in the caterer and food delivery sector.

The Public Liability coverage works when...
a passer-by suffers accidental scalding from hot food items spilled on them.*

F&B (Restaurant & Cafe)

For businesses in the restaurants, cafeterias and cafes sector.

The All Risks coverage works when...
a faulty power socket results in fire, causing damage to your restaurant.*

Light Industry

For businesses involved in manufacturing, assembly and/or storage in a light industrial building.

The Work Injury Compensation works when...
a worker requires compensation or makes a medical claim after sustaining an injury at work.*


For businesses primarily involved in administrative work.

The Money coverage works when...
there's a loss of money from a locked office drawer or safe.*


For businesses involved in the sale of consumer products.

The All Risks coverage works when...
there's damage to clothing at a ground-floor boutique due to a flood.*


For businesses involved in delivering a service to customers.

The Fidelity Guarantee coverage works when...
employees at a medical clinic steal money from the cash register.*

10% off MyBusiness Insurance*

Receive a 10% premium discount on MyBusiness Insurance when you purchase our Business Elite Pack* (a package that includes MyBenefits Plus - a cover that protects your employees' health and wellbeing).

View MyBenefits Plus


Put your business first with us

New to SME insurance? Leave us your contact information to find out more about MyBusiness Insurance.

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The plan is underwritten by Aviva Ltd.

For complete details, please refer to the brochure or speak to your financial adviser representative / insurance intermediary. This is for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person/ organization. A copy of the brochure may be obtained from Aviva Ltd and the participating intermediary's offices. You may wish to seek advice from an financial adviser representative / insurance intermediary before making a commitment to purchase the plan. In the event that you choose not to seek advice from an insurance intermediary, you should consider whether the plan in question is suitable for you/ your organization.

This is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is correct as at December 2018.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for the Insured's Policy is automatic and no further action is required from the Insured. 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 the Company or visit the GIA/LIA or SDIC websites ( or or