Introduction
As small business owners, buying an insurance policy can be daunting as you need to take many things into consideration. You must understand your business risks, prioritize your insurance needs, procure and compare multiple quotations, and determine the optimal protection for your business, employees, and yourself. Any setback can harm your business, and in a worst-case scenario, an unexpected loss can even threaten the survival of your company. Structured and comprehensive protection to cover you against everyday risks in a business is all you need for peace of mind to focus on building your business without worrying about what’s around the corner. Small business owners in Singapore can safeguard themselves by partnering with an experienced broker and protecting their business with a comprehensive insurance plan that covers business risks. It all begins with taking control of your business risk management with the help of PromiseLand Advisers.
What does the product cover?
The three key insurances to be included in your SME Insurance Package are:
- Professional Indemnity/Errors and Ommissions (E&O)
- Cover the cost of fallout from errors and omissions – essentially, when you make a mistake, miscalculate or miss something.
- It can include:
- Lost documents (in various formats)
- Accidentally sharing/publicising confidential information about clients
- Saying or writing something which is considered defamatory
- Unintentional use of third-party intellectual property
- Dishonest acts by your employees
- Directors & Officers Cover
- Covers costs relating to mounting a defence and any damages or settlements relating to claims arising from:
- Employment practices liability claims
- Failure to comply with regulations
- Disgruntled shareholders
- Misrepresentation of company assets
- Misuse of company funds
- Covers costs relating to mounting a defence and any damages or settlements relating to claims arising from:
- Cyber Insurance
- Offers coverage for:
- Emergency incident response
- Loss of income
- Costs of extortion
- Costs of restoring your data
- Legal defence fees and damages.
- Offers coverage for:
Get in touch with us today to see how our business solutions can meet your needs.
Journeying with You
Journeying through some challenges in life can be tough and we know. We make sure that every step of the way, we are there to help you.
Jenny
Sales Manager
I get to know Joseph as my financial planner in year 2019 . He is a great person with great character. He is very trustworthy and provides excellent service. Joseph has made the process of dealing with insurance easy and painless. He is one of the advisors that I know the best, he is very knowledgeable and understand his product very well. He is very professional providing counseling on yearly basis, and he is very prompt in handling policy renewals, and tracking claims. It is without hesitation for me to provide a testimonial for Joseph, he is a good financial planner he will provide you with every detail in the quote to fit your specific needs. He was very mindful
David Cole Martin
CEO
Enthusiastic and articulate, Jairus orchestrated an asset structuring plan for me that allows me to meet all of my goals and addressed my concerns. Mine was a relatively complex case due as I had multiple businesses and was not always in Singapore. However Jairus was patient and instructive in all of his dealings with me. Jairus is able to describe financial concepts clearly for non-financial people like me. These things set him apart from other financial advisers I’ve met. If you are business owner looking to plan and maximise your idle funds, keyman insurance, business succession planning, I highly recommend Jairus.
Hannah
Teacher
I am glad to have chanced upon Midas and met Joseph and Kardiono when I was looking for an investment plan that could grow my funds for retirement. Having exhausted my funds on housing and surrendered my investment link insurance policies previously, I thought it would be impossible to hit the targeted retirement sum within a span of 10-15years. However, Kardiono and Joseph presented to me a portfolio that proved me wrong. Currently, the monthly funds I have set aside saw encouraging growth even at the beginning stage. I am thankful for the financial advices given and I highly recommend them.
Audrey Ong
Ex RWS Manager
I had met many advisors from different company over the years, including having a very good advisor from another company serving my needs. However Junwen had showed me his values and thus made me decide to take up his recommendation. Junwen understood my needs, patiently asked a lot questions and he never rushed into conclusions. He is passionate in his work that make me took the policy he recommended. Thank you Junwen and keep up the great job!
Jihan Jauhar
Private Tutor
I first got to know Junwen Chen about 3 years ago. I remembered how I was frantically looking for someone to do public liability and insurance for concerts (after all I got that project 3 weeks before the event itself). He came to my rescue and settle it for me in a breeze. From then on, he does all my events’ insurance and we became friends. Today I am thankful that he handles my boys’ educational plans. Thanks Junwen for the patience!
Esperanza Lim Shu Hui
Entrepreneur, Marketer
Junwen has made my insurance sign up and insurance claims a breeze. He is a very responsible financial consultant and has been able to give me recommendations based on my current financial abilities and needs. He is a financial consultant that is willing to go the extra miles when I am in need of advice on the policies I signed. He is always very reachable and has not made me feel that I signed up with someone who only cares about numbers. From his service to me thus far, I can tell that he is more than just a financial consultant, he is a financial consultant that truly cares about his client. I have had previous experience where I signed
Andrew Han
MINDEF - Assistant Director (IT systems)/SMART buildings
I was actually in the market looking for a short term saving plan with guaranteed returns of between 10 to 12%/annum. Jeremy was able to refer me to an opportunity that offered a financial platform which guarantees by contract my savings and met my expectations. I was actually very impressed at his ability to timely identify such an opportunity. As a independent, he was not bound to any company product. I liked his no nonsense approach that offer me many comparisons of the different financial tools which allows me to best make a well-informed choice in my final selection. In all my meetings with Jeremy, he had always shown a level of professionalism in his work & explanation. in choosing
Abe Fumika
Consultant
She is knowledgeable, responsible and do not ‘hard sell’ her policies. Rachel has always been in this industry. She is always here to take care of my questions and to constantly update me with regards to change in policy’s terms or new policies available. She will be my one and only financial advisor for many years to come. It’s really hard to come by a dedicated financial advisor.
Esther Lee
Doctor
Rachael has been our financial consultant for the past 5 years and we have been very pleased with her service and professionalism. With our busy schedules, Rachael is always very understanding and accommodating. She is also very transparent in sharing of information in a way that can help us with decision making. It definitely helps that she summarizes in a very succinct way all the plans that our family has, and reviews with us regularly. We highly recommend Rachael to anyone who needs financial planning!
Wong Hoe Hon
Director of Eastern Green
Roger is a great person with great character. He is very trustworthy and provides excellent service. I gained much clarity after speaking with him! He was able to show me a clear overview across insurers and even shared with me some blind spots of my retirement planning. I believe that a good advisor is someone who also services well post-purchase. Roger is very prompt and responsive over text. He will send me relevant updates that I ought to be informed about from time to time. I would recommend Roger to anyone without hesitation or reservation. I have full trust in his work.
Dicky Ho
Information Technology Security Officer
Joseph is a very hardworking and responsible consultant. He gives the best advice and solutions after analyzing my needs. He is also a very good trusted friend. I am very pleased to have him to take care of my portfolio. If you do not know what you need, do approach him and I am sure you will be happy with his expertise.
Satyajit RK
Recruitment Consultant
Daniel has provided an excellent service. He recommended policy that matched my requirements. Thank you!
Felix Setiawan
Interior Designer
Nelson is different from others, he is knowledgeable in his industry. I appreciate his professionalism as he only recommended solutions based on my needs. He is extremely helpful and is willing to go the extra mile for his clients. I had a surgery recently and he gave helpful advices though I did not bought that policy from him. I highly recommend him as he is trustworthy and somebody you can rely on.
Joel Rodrigues
Chief Investment Office - Investment Content Manager
I decided to work with Daniel for my financial planning matters as he was able to provide me with the information that I need whilst remaining objective about his recommendation. Throughout my interaction with Daniel, I appreciate the fact that he was responsive to my inquiries and was not pushy at all when it comes to the advice and recommendation provided. I would recommend anyone who is looking to work with a financial advisor or just trying to find out more information about financial products to engage Daniel.
Klaire Chan
Adult Educator
Prompt and patient, responsive and responsible, Anne was a real blessing in her attentive consultations, efficient follow-throughs and thoughtful support. I know I can trust her to be there for me on this journey to financial health!
Jackie
Professor
I have known Ron since 2015 and find him to be a professional who truly listens to all my needs. He provides great solutions for my retirement planning, and I am happy with it.
Chang Ya Ning
Manager, HDB
Sally is not just an insurance agent; she is an exceptional professional who consistently goes above and beyond for her clients. With a proactive approach and a commitment to personalized service, Sally guides me through comprehensive financial planning, including retirement preparation and setting goals for savings at different life stages. Her dedication to understanding my needs, planning for my future, and instilling a sense of security demonstrates her expertise and effectiveness in the insurance industry.
Azman Bin Mohd Nasir
Security Officer, Aetos Auxiliary Police
Since 2018, Sally Chua has played a crucial role in planning my retirement, especially using CPF. Despite my initial financial hurdles, her strategy utilizing my CPF Ordinary Account and using them as investment generated a 30% profit over 5 years. Approaching 55, I’m grateful and confident in the retirement plans she has planned out for me. Thank you, Sally, for your excellent work! Past performance is not indicative of future performance.
Tess Chew
Manager
In the realm of finance, where achieving success can be difficult and confusing, a knowledgeable financial advisor can be a lighthouse, helping people like me achieve my financial objectives. Sally is one such specialist whose standing in the field has been established by her knowledge and dedication to offering wise counsel. With years of experience under her belt, Sally has honed her skills in financial planning, investment strategies, and risk management. Her personalized approach taking into consideration each client’s unique financial situation, which also includes taking the time to understand their goals, risk tolerance, and timeline for success. What sets Sally apart is not just her technical expertise but also her ability to communicate complex financial concepts in a clear
Serene Tan
Assistant Director, Singapore Business Federation
Sally is an incredibly patient and caring agent who has been with me for years. She consistently ensures my protection and retirement needs are met with dedication and expertise. I am truly grateful for her support and will recommend her to anyone seeking financial advice.
James and Sharon
James (Chef, RE & S) and Sharon (CSL Pte Ltd)
Sally has been amazing as our insurance consultant. She patiently spends time explaining every detail of the insurance plans and answering all our questions. She customizes her advice based on our needs, and her explanations are clear and easy to understand. Thanks to Sally, we feel confident in signing up for insurance plans knowing we’re in good hands.
Ally Ng
I highly recommend Sally for her unwavering dedication to her clients. Every interaction with Sally is met with a warm smile, and her prompt responses reflect her commitment to providing top-notch service. Her expertise in financial planning is evident in the valuable advice she offers, which has greatly benefited me. Sally’s professionalism and dedication make her an invaluable asset to anyone seeking financial guidance.
Yip Chun Kit
Senior Director, NCS
Working with Sally has been an absolute paradigm shifter for our financial well-being. From our first consultation, it was clear that she possesses an unparalleled level of expertise and dedication to her work. Not only did she take the time to understand my financial situation and goals, but she also crafted a comprehensive and tailored plan that addressed every aspect of our finances. Her depth of knowledge in investment strategies, retirement planning, and wealth management is truly commendable. What sets Sally apart, however, is her genuine commitment to her clients’ success. She patiently walked us through each step of the process, ensuring that we fully understood all our options and empowered us to make informed decisions about our finances. Thanks to her
Loh Cletus
Sales Director, MKS Instruments
I am incredibly impressed with the excellent and knowledgeable financial planning provided by Sally Chua. Her expertise and attention to detail have truly made a significant difference in my financial well-being. She took the time to understand my goals and crafted a personalized plan that exceeded my expectations. I highly recommend Sally Chua to anyone seeking financial guidance and support.
Peng Lin and Huang Ming
Business owners - Tea Time Restaurant , SG-Glass Pte Ltd, Casa Oasis Design Pte Ltd
Sally Chua 是一位非常敬业、专心致志、努力工作的理财顾问。当我丈夫入院时，她前来帮助我处理所有理赔事务。即使到今天，她仍会定期拜访我们，并向我们提供最新的财务信息，以便我们规划退休生活。我们非常感激她的帮助和承诺，对她的付出心存感激。
Dr Kala Kanagasabai
Over the years, I have entrusted my finances to Sally, and I couldn’t be more pleased with the results. Her meticulous attention to detail, coupled with her extensive knowledge and competence in retirement planning, has been instrumental in securing my financial future. I have full confidence in her ability to navigate the complexities of retirement planning, and her dedication to my financial well-being is truly commendable. I am grateful for her expertise and unwavering support throughout the years, and I highly recommend Sally to anyone seeking a reliable and knowledgeable advisor for their retirement planning needs.
Tok See See
Group Inventory and Costing Manager, Culina Pte Ltd
Sally came highly recommended by a friend, and I couldn’t be more grateful for the introduction. I first met Sally when I was in my fifties and needed assistance with retirement planning. Sally exhibited a meticulous approach, carefully considering my goals and financial situation. She devised a comprehensive plan tailored to my needs and executed it with precision. Over the course of three years, Sally’s expertise and diligence yielded remarkable results – she managed to grow my CPF OA over 20%. Now, at 55, I am confident in my retirement planning, thanks to Sally’s guidance. Her proactive approach in keeping me informed about changes to CPF regulations further solidifies my trust in her abilities. I am immensely thankful to have Sally
Lynn Chan
Homemaker
I enthusiastically endorse Sally as my go-to insurance agent. Despite being a homemaker, Sally patiently listens to my needs and consistently recommends the best plans available. Her dedicated team efficiently handles all claim and administrative tasks, making the entire process hassle-free and convenient for me. With Sally’s guidance and support, I feel confident in my insurance decisions. Thank you, Sally, for your exceptional service!
Colin Siew and Huang Xiaoli
Sally Chua’s expertise in retirement planning is exceptional. From the outset, she demonstrated a profound understanding of our financial needs and goals. Sally’s ability to simplify complex financial concepts made the planning process easy to navigate. She prioritized long-term financial security over short-term gains, ensuring a stable retirement. Sally’s dedication to us was evident through her proactive communication and personalized attention. Thanks to Sally’s guidance we have a comprehensive retirement plan that aligns perfectly with our aspirations.
Fu Cai Xia
Retiree
Sally的保障计划知识非常丰富，她在解释理赔流程和协助理赔方面的专注度也非常高。我对她的专业素养印象深刻，强烈推荐她的服务。在我需要理赔时，Sally向我详细解释了整个流程，并提供了极大的帮助。她以她的专业知识为后盾，使我对理赔过程有了更清晰的理解，从而减轻了我的压力。Sally不仅仅是一个知识渊博的专家，她还展现出了对客户的真诚关怀和承诺。她一直在努力确保我的利益得到最大的保护，并且始终乐意解答我的疑问。Sally的专业知识和对客户的奉献精神使我感到非常满意。如果你正在寻找一个在保障计划方面经验丰富、热情投入的顾问，我强烈推荐Sally。
Chua Wei Lin
Among the many agents I’ve worked with, none have left me as impressed as Sally. Her efficiency and speed in finding the most competitive insurance quotations tailored to my needs are unmatched. She consistently responds promptly to my queries, instilling a sense of security in knowing that she is covering all my protection needs and claims. Sally’s dedication to her clients sets her apart, and I am grateful for her exceptional service.
Carmen Wong
Executive Marketing and Props, NTUC Club
I have met many agents however none of them caught my attention because they are pushy, and failed to listen and understand my situation before advising me on what is best for me as the “potential client”. Unlike Sally, she is the most patient and helpful agent I am so blessed to have because she took her time to listen to my story, and my experience and carefully introduce what is the best plan for me in a clear and precise manner. Her cheerful personality made me comfortable each time I shared my story when we meet/catch up. Thank you, Sally! Please keep up the good work.
Leland Tan and Wife
Director, Thor International
Throughout the years, Sally has consistently proven to be the epitome of sincerity, hard work, and expertise in financial planning. Her dedication to my financial well-being has been unwavering, and their depth of knowledge in the field is truly remarkable. We have entrusted her with our financial matters for years, and each time, she has exceeded my expectations with her thoroughness and attention to detail. We are grateful for her steadfast support and guidance, and we wholeheartedly recommend Sally to anyone seeking a trustworthy and knowledgeable financial advisor.
Kevin Teo
Over the years, Sally has guide me on my retirement planning, particularly with regard to the latest CPF policies. Sally has been my trusted advisor for many years, and I can confidently say that every meeting with her is a value-added experience. Her in-depth knowledge of CPF policies and her keen understanding of my financial goals have been instrumental in crafting a retirement plan that is both comprehensive and tailored to my specific needs. Thank you, Sally, for your unwavering commitment to my financial well-being. I am incredibly fortunate to have you as my retirement advisor.
Priscilla
Finance Manager
Finally I have found a trusted retirement specialist who is experienced, knowledgeable and friendly. <FA Name> is such, and I would recommend him to anyone without hesitation.
Eric Elsig Fabian
NIKE - Director Treasury Asia
I have been looking for a long time for someone who could explain me the maze of financial planning, until I met Jeremy, everything become crystal clear. Throughout the different meetings, Jeremy has been able to identify my needs and provide me the right solution. He will be committed to find the customised package that suits you the best. He has demonstrated passion for his for his work, deep knowledge in all the available products and care of his clients. Kudos Jeremy ! If you are looking for someone, don't look any further, you found what you are looking for here. Jeremy will deliver above and beyond your expectations, and can only highly recommend him for all your future financial,
Yew Chi Sing
MAS - Deputy Director
“Jeremy has provided me with great advice in financial planning. As an independent financial adviser, I truly appreciate that he's able to analyse and compare across all the market products available which best fit my requirements. He has helped me with several of my investments and guaranteed income portfolios. In the process I’m now in a much better position as I was clueless then. I would probably still be lost on how to start my financial planning if I’ve not listened to Jeremy’s advice. Jeremy has also been very professional and transparent in all the dealings with me. He has always made things simple and easy to understand so that I'm able to understand better all the advice he had
Henry Koo
Consultant, Chief Financial Officer, FMCG, FCA
Jeremy genuinely cares, is always willing to help and advises from the heart. He is knowledgeable about various financial and insurance products and offers a holistic retirement/financial planning approach.
Alan Koo
SABECO - Chief Financial Officer/Deputy General Director
I was introduced to Jeremy via a referral. Overall, I was happy with the service that Jeremy rendered given my requirements. Good follow through and always able to provide different offerings for me to decide upon and not just a standard solution. Definitely a strong recommendation from me. Cheers, Alan Koo.
Lock
Head of Security and Compliance
Wai Hon has extensive experiences in the financial services industry in various capacities. As an advisor, he is very professional in helping me to find the best product in the market that suits my exact needs. He is helpful in presenting quotations from several companies and clarify in detail for all questions raised.
Steven
Chief Executive Officer
I have never had this kind of experience in the past with financial advisors and this is the kind of service I have been looking for. <FA Name> has been very supportive and always promptly attended to my queries whenever I have doubts. Great advisor!
Thomas Thant
Project Manager
Nelson helped me consolidate my finances, identify gaps between my current financial status and my changing future needs based on various furture scenarios. And provided me with personalised solutions with hand-picked investment funds and insurance. Also educated me with diffetent portfolio of funds and its associated risks, market updates and investment ideas. So, I am confident that with the guidance of Nelson my financial boat will set sail smoothly and will survive any storm on my retirement journey. I would definitely recommend him to my friends of same age group as well. Thanks a lot, Nelson.
Tan Jia Jun
Director at Unisprings
Excellent and fast service by Daniel Choo!