Product
Fire, flood, theft, burst pipes — one policy covers your premises, stock, equipment, and lost revenue. Compare quotes from 18+ insurers.
A pipe bursts in your ceiling on a Sunday night. By Monday morning, your stock room is flooded, $30,000 of inventory is ruined, and your shop can't open. Business all risk insurance pays for all of it — the damaged stock, the repairs, and the revenue you lose while you're closed.
Unlike basic fire insurance, which only covers a narrow list of events, BAR covers all risks of physical loss or damage unless specifically excluded. That means fire, flood, theft, burst pipes, accidental damage, vandalism, and more — in one policy. It's the backbone of property protection for Singapore SMEs.
If your business has a physical premises — whether it's a shopfront in Toa Payoh, an office in Raffles Place, or a warehouse in Jurong — BAR insurance protects the space, everything in it, and the income you'd lose if something goes wrong.
Coverage
Key areas of protection included under a typical Business All Risk Insurance policy.
Your shop, office, warehouse, or factory — covered if fire, flood, or another event damages the structure
Furniture, machinery, computers, and tools — replaced if they're damaged, stolen, or destroyed
Raw materials, work-in-progress, and finished goods sitting in your premises
The revenue you lose and extra costs you face while your premises are being repaired
Cash in your safe, in transit, or on the premises — covered if it's stolen or lost
Your shopfront glass, fixed panels, and business signage — covered for accidental breakage
Damage to someone else's property while it's in your care — equipment, goods, documents
Who Needs This
Retailers and F&B operators. Your shop is your livelihood. A kitchen fire, a break-in, a burst pipe — any of these can cost tens of thousands and keep you closed for weeks. BAR covers the damage and, with business interruption add-on, the income you lose.
Manufacturers and logistics companies. You hold expensive machinery, raw materials, and finished stock. If a warehouse fire destroys your inventory or equipment breaks down, BAR keeps your business solvent while you recover.
Any business with a physical premises. Even a modest office can contain $100,000+ in computers, furniture, and fit-out costs. If your landlord requires property insurance — and most Singapore leases do — BAR is the standard solution.
Growing businesses adding space. New office, bigger warehouse, second location — as your physical footprint grows, so does your exposure. BAR scales with you.
Related Industries
Why TRS
We get your numbers right. Underinsurance is the most common mistake we see — and it means your claim gets cut proportionally. We help you calculate accurate replacement values for your building, contents, stock, and renovations so you're fully covered.
Bundled for savings. BAR is often packaged with business interruption, money insurance, and public liability. We structure these across multiple insurers to get you the best combined price.
Claims that actually get paid. When you need to make a claim, we handle everything — from documentation to settlement negotiation. We push back on lowball offers so you get what your policy promises.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.