SMEs Face Real Risks - Are You Covered?
You wouldn’t drive without a seatbelt;
so why run your business without protection?
74%
of SMEs worry about business interruptions — only 23% have coverage
72%
are concerned about fraud — yet just 17% are insured
49%
of SMEs say retaining talent is their biggest challenge
The good news?
QBE offers flexible SME insurance solutions that gives you the coverage you need, without breaking the bank.
Designed for Your Industry
Policies built around what YOU do.
Retail & Wholesalers
Theft, fire, public liability? Covered.
F&B Businesses
Kitchen hazards, liquor liability, food safety risks? Sorted.
Logistics & Warehousing
Goods in transit, inventory protection? No problem.
Manufacturers & Offices
Downtime, equipment damage? We’ve got it.
Comprehensive Coverage for Total Peace of Mind
Here’s how QBE keeps your business protected from risk.
Property Protection
Fire, theft, accidental damage—we’ll make sure your assets stay safe.
Product Liability
If something goes wrong with what you sell, we’ve got your back.
Public Liability
Customer trips, falls, or damages? We handle the claims.
Workplace Injury Compensation (WICA Compliant)
Covers medical costs & lost wages if an employee gets injured on the job.
Business Interruption
If something shuts you down, we help you get back up—fast.
Fidelity Guarantee
Because internal fraud and dishonesty happen—and you should be protected.
Money Protection
Coverage for theft, robbery, or losses in transit.
Group Personal Accident
Covers accidental injuries or fatalities for your employees.
Machinery Breakdown
If your equipment takes a break, let us handle the repair cost.
Frequently Asked Questions
1. Can I customise my insurance package?
Yes. QBE’s SME Insurance is designed to be fully flexible, so you only pay for what you need. Whether you run a retail store, an F&B business, or a logistics company, you can tailor your coverage to fit your operations.2. What industries does QBE cover?
We provide insurance for a wide range of industries, including:
- Retail & Wholesale – Covers theft, property damage, and liability risks.
- F&B Businesses – Includes coverage for fire, food contamination, and liquor liability.
- Logistics & Warehousing – Protects goods in transit, stock loss, and worker safety.
- Manufacturers & Offices – Covers business interruption, equipment damage, and workplace injuries.
If you’re unsure whether your industry is covered, our team can provide guidance. Drop us a note here.
3. How fast can I get covered?
Coverage can be arranged quickly. The process is simple—get a quote, customize your plan, and confirm your coverage within minutes.4. Is business insurance necessary?
Business insurance helps protect your income, employees, and assets against unforeseen risks. Without it, a fire, customer injury, or theft could lead to financial strain or even force a business closure. Certain coverage, like Workplace Injury Compensation, is legally required if you employ staff.5. What does Workplace Injury Compensation (WICA) cover?
Workplace Injury Compensation covers:
- Medical expenses up to S$300,000 (above the WICA-mandated S$45,000).
- Compensation for lost wages due to workplace injuries.
- Legal liability for employee injury claims, up to S$15 million.Additional benefits, including coverage for Traditional Chinese Medicine (TCM) treatments.
6. Does QBE cover business interruptions?
Yes. Business Interruption coverage compensates for lost income and additional expenses incurred due to unexpected events such as fire, flood, or accidents that force temporary closure7. What is Public & Product Liability insurance?
Public Liability insurance covers legal costs and compensation if your business is found liable for bodily injury or property damage to third parties. Product Liability insurance protects against claims related to defective products that cause harm.8. What does Fidelity Guarantee cover?
Fidelity Guarantee protects businesses against financial losses due to employee dishonesty, including fraud, embezzlement, or theft. This coverage is especially important for businesses handling cash transactions, inventory, or sensitive financial data.9. Does QBE provide protection for money and valuables?
Yes. Our Money Coverage protects against theft, robbery, or loss of cash while stored on business premises or in transit. This is particularly valuable for retailers, F&B establishments, and service-based businesses handling daily cash transactions.10. What is Group Personal Accident insurance?
Group Personal Accident insurance provides coverage for accidental injuries or fatalities affecting employees. This is different from Workplace Injury Compensation, as it extends to non-work-related accidents, offering added financial security for your workforce.
General Notes:
The information provided on this website offers a general overview of our products and services. For comprehensive details and specific coverage terms, please consult an authorised distributor of QBE Singapore.
Policy Owners' Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. 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 QBE Insurance (Singapore) Pte Ltd or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Important Notice
The above only serves as a general description of our products and services. For full product details and coverage, please check with your local insurance broker or a QBE authorised agent.