Product
Broad protection for your physical assets, stock, and equipment. One policy, comprehensive cover.
Business all risk (BAR) insurance provides broad-form coverage for physical loss or damage to your business property. Unlike named-perils policies (such as a standalone fire policy), BAR covers all risks unless specifically excluded — giving you wider protection with fewer gaps.
A typical BAR policy protects your premises, contents, equipment, stock, renovations, and even cash on-site or in transit. It's the backbone of commercial property protection for SMEs in Singapore, whether you operate from a shopfront, an office, a warehouse, or a factory.
Many business owners don't realise just how much is at stake until something goes wrong. A burst pipe that floods your stock room, a theft over the weekend, accidental damage to expensive machinery — these are everyday events that can cost tens of thousands of dollars. BAR insurance ensures you're not absorbing those losses alone.
Coverage
Key areas of protection included under a typical Business All Risk Insurance policy.
Physical damage to your office, shop, warehouse, or factory building
Furniture, fixtures, machinery, computers, and office equipment
Raw materials, work-in-progress, and finished goods held on your premises
Loss of revenue and increased cost of working while your premises are being restored
Cash in transit, in safe, or on premises — protection against theft or loss
Accidental breakage of fixed glass panels, shopfront glass, and business signage
Damage to property belonging to others while in your care, custody, or control
Who Needs This
Retailers and F&B operators with shopfront premises, stock, and equipment. A single fire or flood can wipe out months of revenue. BAR covers the property damage and — with business interruption add-on — the lost income while you recover.
Manufacturers and logistics companies holding significant inventory, machinery, or raw materials. If your production line stops because of equipment damage, or a warehouse fire destroys your stock, BAR keeps your business solvent.
Any business with a physical premises — even office-based companies. If you've invested in renovations, furniture, IT equipment, or any assets kept at your workplace, BAR protects that investment. Many commercial leases in Singapore require tenants to maintain property insurance, making BAR a practical necessity.
Growing businesses that are adding locations, expanding warehouse capacity, or increasing stock levels. As your physical footprint grows, so does your exposure. A BAR policy scales with you.
Related Industries
Why TRS
Accurate valuations, fewer surprises. We help you calculate the right sum insured so you're not underinsured (which triggers the average clause and reduces your claim) or overinsured (which means you're paying more than you need to).
Bundled savings. BAR is often packaged with other covers like business interruption, money insurance, and public liability. We structure these packages across multiple insurers to get you the best combined pricing.
Claims that get paid. When you need to make a claim, we handle the insurer on your behalf — from documentation to settlement negotiation. Our job is to make sure you get what your policy promises.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.