SmartPlan Office

Harness your time more effectively with SmartPlan Office - 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.
  • 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 hospitalization 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 bases, 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 period of insurance.


    No claim experience for the past 3 years.
    The proposed insurance now has not been declined, cancelled, refused renewal or subject to any special terms by any other insurance company.
    All entrances to your premises are protected with roller shutter, glass door, iron grilles and padlock.
    The premises are solely occupied by you for your business and are not shared premises.

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