As an entrepreneur, protecting your business interests should be your chief priority. Catering to your unique business requirements, the AXA SMARTPLAN is a simple, cost-effective plan that offers you comprehensive insurance coverage.


  • Protect your property
    Property All Risks compensates you for the damage to your property (including your goods-in-transit in Singapore) due to accidental causes, including but not limited to fire, water damage, flood and even due to burglary without forcible entry.
  • Recover your loss of profit
    Business Interruption (Gross Profit) covers loss of profit in the event that your business is disrupted as a result of insured property damage. It also covers increased costs incurred to avoid or reduce shortage in turnover.
  • Receive a daily lump-sum when your business is interrupted
    This benefit allows you to receive daily sum to abate cash flow problem and pay additional costs necessary to get back to business immediately in the event your business is interrupted as a result of property damage, outbreak of infectious disease, denial of access to the premises, or power failure.
  • Fulfill your employer liabilities
    As an employer, it is mandatory under the Work Injury Compensation Act (WICA) in Singapore that you protect your employees engaged under a contract of service against work accidents or illnesses. Work Injury Compensation provides coverage for any claims, legal costs.
  • Protect yourself against public liability
    Public Liability covers third party property damage, death or injury due to an accident that your business is liable for. Third parties include walk-in customers or your neighboring establishments.
  • Insure against loss of money
    Covers the loss or damage to your money (currency notes, cheques, credit card, sales vouchers): • In lockers on your premises, at any time • In transit in Singapore, while in your custody or someone you have authorized.
  • Protect yourself against dishonest acts of employees
    Fidelity Guarantee covers your financial loss arising from any act of fraud or dishonesty committed by your employees.
  • Worldwide personal accident coverage for you and your employee
    Receive a lump-sum payout in the event of accidental death or permanent disability. Receive Daily Hospital Cash in the event of hospitalisation due to an accident occurred anywhere in the world.

All the above coverage are subject to policy terms, conditions and limits.


  • Covers up to 3 locations, e.g. 3 branches of your café.
  • Multiline approach that covers up to 8 insurance types under one policy.
  • Wide range of benefits with increased policy limits.
  • Hassle-free application without the need to go through underwriting.
  • Specially designed package with benefits catered to your industry-specific needs.

For AXA SmartPlan Brochure, click here.


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