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Insurance advisory. Based in Singapore.

Insurance
structured with intent.

Insurance that fits what you have built, handled with care so you do not have to worry.

What we cover
Considered protection, for the business and the life behind it
We advise across the full spectrum of business and personal insurance, structured around the risks that matter most to you.
General Insurance
Directors & Officers Liability
D&O
Personal protection for directors and senior officers against allegations relating to their management of the company.
All CompaniesSMEsMNC SubsidiariesStartupsNon-Profits
Protect your board
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Association Liability
Association Liability / Management Liability
Protects not-for-profit organisations, associations, and their management committees against claims arising from the governance and administration of the organisation.
Non-ProfitsTrade AssociationsClubs & SocietiesCharities
Protect your committee
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Professional Indemnity
PI
Protects your company against client claims of professional negligence, error, or omission in the advice or services you provide.
LawyersArchitectsEngineersReal Estate AgentsIT ConsultantsAccountantsRecruitersMedicalManagement ConsultantsSurveyors
Talk to our Risk Architect
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Commercial Crime
Crime & Fidelity
Comprehensive cover for losses arising from employee dishonesty, theft, computer crime, counterfeiting, and forgery.
All Sectors
Assess your fraud exposure
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Cyber Insurance
Cyber
Enterprise cyber risk solution covering data breaches, ransomware, business interruption, and the response costs that follow a cyber incident.
All Sectors
Get a cyber quote
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Social Engineering Fraud
SEF
Protection against financial loss from deception-based fraud, including impersonation, fraudulent payment instructions, and business email compromise.
All Sectors
Get an SEF quote
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Marine Cargo Insurance
Cargo
All-risks protection for goods in transit by sea, air, or land, against loss or physical damage during the course of carriage.
TradingImport/ExportManufacturingCommoditiesE-Commerce
Structure your cargo cover
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Freight Forwarder Liability
Logistics Liability
Liability protection for freight forwarders and logistics operators in respect of cargo entrusted to their care, custody, and control.
LogisticsFreight Forwarding3PL
Structure your liability cover
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Valuable Goods (Specie)
High-Value Items
All-risks cover for high-value property such as bullion, cash, securities, and jewellery, whether in storage or in transit.
VaultsJewellers
Insure your valuables
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Fine Art Dealers & Galleries
Fine Art
Specialist all-risks protection for artwork, gallery stock, museum collections, exhibitions, and high-value collectibles, including transit, consignment, and loan exposures.
GalleriesMuseumsAuction HousesCollectiblesPrivate Collections
Protect your collection
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Industrial All Risk
IAR
All-risks property cover for industrial and commercial premises, protecting buildings, machinery, stock, and contents against physical loss or damage. Extends to cover business interruption during reinstatement.
ManufacturingWarehousingFactoriesIndustrialLogistics Facilities
Cover your premises
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Public Liability
PL
Protects your business against third party claims for bodily injury or property damage arising from your operations.
All Sectors
Get a PL quote
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Event Liability
Events
Protects event organisers, managers, and exhibitors against third party claims for injury or property damage arising from an event, with cancellation cover available.
MICEEvent OrganisersExhibitions
Get an event liability quote
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Product Liability
Products
Protects your business against third party claims arising from injury or damage caused by products you manufacture, sell, or distribute.
ManufacturersDistributorsF&B
Assess your product risk
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Contractor All-Risk
CAR
Protects construction, renovation, and engineering projects against physical loss or damage to works and materials during the project period.
ContractorsBuilders
Cover your project
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SME Package
Business Package
An integrated business package covering property, theft, public liability, and business interruption, structured for small and medium enterprises.
RetailF&BServicesOfficesClinicsSalons
Get a package quote
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Workforce Essentials
Work Injury Compensation
WIC
Statutory cover for employee medical expenses, lost earnings, and lump sum compensation arising from workplace injury. Legally required for most employers.
All Employers
Get a WIC quote
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Foreign Worker Bond
Security Bond
The mandatory $5,000 security bond issued by way of Letter of Indemnity for each Work Permit holder employed.
All S-Pass & WP Employers
Get bonded now
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Foreign Worker Medical Insurance
FWMI
The compulsory inpatient medical cover for Work Permit and S Pass holders, in place before their arrival in Singapore.
All S-Pass & WP Employers
Get FWMI cover
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Employee Benefits
Employee Benefits
Group Medical
Group Hospital & Surgical, Outpatient GP and Specialist, Dental, and preventive healthcare benefits for your workforce, with optional keyman protection.
Group MedicalEmployee BenefitsEB Solutions
Design your benefits plan
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Group Personal Accident
Group PA
24-hour accident cover for your workforce, providing benefits for injury, disability, and accidental medical expenses.
All Employers
Get a group PA quote
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Group Business Travel
Group Travel
Cover for employees travelling on business, including overseas medical expenses, trip disruption, baggage loss, and 24-hour emergency assistance.
Business TravellersAll Employers
Get a travel quote
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Keyman Insurance
Business Protection
A company-owned life policy that pays a lump sum to the business if a key person — a founder, director, or vital employee — dies or can no longer contribute, helping it absorb the loss and continue operating.
FoundersDirectorsSMEs
Request a keyman consultation
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Personal Insurance
Personal Accident
PA
24-hour worldwide cover providing benefits for accidental injury, disability, and accidental death.
IndividualsFamilies
Get a PA quote
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Travel Insurance
Travel
Overseas travel cover including medical expenses, trip cancellation, travel disruption, and lost baggage.
LeisureIndividualsFamilies
Get a travel quote
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Home & Valuables
High-Value Home
Comprehensive cover for your home, contents, and valuables, including fine art, jewellery, watches, and collectibles, on an agreed value basis.
LandedCondoCollectors
Get a home quote
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Home Contents
Home Insurance
Protection for home contents and belongings against fire, theft, water damage, and accidental loss.
HDBCondoTenants
Get a contents quote
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How we work
What working with us looks like
A considered approach, from the first conversation through to the day you need us.

Every business carries a different mix of exposures, shaped by what it does and how it operates. We take time to understand yours — your operations, your responsibilities, and the risks that matter most — and structure cover around what we find. Considered, clearly explained, and reviewed as your business evolves.

01
Understanding what you're protecting
We take time to learn how your business operates and what matters most to you, so any cover we recommend rests on a clear understanding of your situation.
02
Structuring the right cover
We propose cover that fits, with the reasoning laid out clearly so you are confident in the decisions you make.
03
Looking after it over time
We remain alongside you through renewals, claims, and any change in your business, so your cover continues to fit as you grow.
Testimonials
The businesses and individuals we work with, in their own words, taken straight from our Google reviews.
Insurance Insights
Fresh thinking, every week
In-depth, practical breakdowns of the risks Singapore businesses face — published every week to help you make informed decisions. Recent pieces below.
TZY CO · Insights
Why your employees are not using their medical benefits, and what that is doing to your premium
Employee Benefits
Many Singapore SMEs pay a significant group medical premium every year for a benefit most employees barely understand or use. The structure of the policy matters. So does the support that comes with it. Here is what a sustainable employee benefits programme actually looks like.
Read more
TZY CO · Insights
Keyman, buy-sell agreements, and loan liability: the three business continuity structures every Singapore SME should have in place
Keyman Insurance
Most Singapore SME founders have thought about what happens if a key person dies or becomes incapacitated. Very few have put both the insurance and the legal instruments in place. TZY CO and our partner law firm work together to close that gap.
Read more
TZY CO · Insights
Insurance for Singapore architects, interior designers, and creative studios: PI, public liability, and cyber explained
Professional Indemnity (PI)Public LiabilityCyber
Section 24 of the Architects Act 1991 requires Singapore architecture firms to hold PI insurance. Interior designers and creative studios are not mandated by statute, but their liability exposure is the same. Here is what PI, public liability, and cyber cover for design firms.
Read more
View all insights
About
An architect does not begin with materials. They begin with how you live.

We work the same way. Before any policy is discussed, we take time to understand your business — how you operate, what you value, and where your responsibilities sit. Coverage follows that understanding, never the other way around.

This is what it means to practise insurance as a Risk Architect. We structure cover around what we find and explain the reasoning clearly, so you always understand what you hold and why. Our client base has grown steadily, year on year, and many clients stay with us for one reason: the relationship matters more to us than any single transaction. We remain your point of contact through renewals, claims, and every change in your risk.

Insurance, done well, is quiet. It sits in the background, correctly built, until the day you need it. That is the standard we hold for every client.

We would be glad to build yours.

Get in touch
Let's talk

Whether you are reviewing existing cover or starting from scratch, we would be glad to hear from you. Drop us a message, give us a call, or send a note any way that suits you best — we will get back to you within one business day.

WhatsApp +65 9177 8881
Email hello@tzyco.com

We respond within one business day. Your details are not shared with third parties.

Thank you.

We will be in touch within one business day to arrange your consultation.

TZY CO PTE. LTD. is a registered general insurance corporate agency in Singapore. We advise on and arrange general insurance; all policies are underwritten and issued by our appointed insurers, who set the applicable terms, conditions, and premiums. The information on this website is general in nature, does not take account of your particular needs, and does not constitute an offer of insurance or a recommendation to purchase any product. Cover is subject to the full terms, conditions, and exclusions of the relevant policy.

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