TZY CO — Singapore Insurance Advisory for SMEs & Corporates

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

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

Professional Indemnity

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

Commercial Crime

Crime & Fidelity

Comprehensive cover for losses arising from employee dishonesty, theft, computer crime, counterfeiting, and forgery.

All Sectors

Assess your fraud exposure

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

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

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

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

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

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

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

Public Liability

Protects your business against third party claims for bodily injury or property damage arising from your operations.

All Sectors

Get a PL quote

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

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

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

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

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

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

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

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

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

Personal Insurance

Personal Accident

24-hour worldwide cover providing benefits for accidental injury, disability, and accidental death.

IndividualsFamilies

Get a PA quote

Travel Insurance

Travel

Overseas travel cover including medical expenses, trip cancellation, travel disruption, and lost baggage.

LeisureIndividualsFamilies

Get a travel quote

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

Home Contents

Home Insurance

Protection for home contents and belongings against fire, theft, water damage, and accidental loss.

HDBCondoTenants

Get a contents quote

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.

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.

Structuring the right cover

We propose cover that fits, with the reasoning laid out clearly so you are confident in the decisions you make.

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

What our clients say

Real feedback from the businesses and individuals we work with, drawn from our Google reviews.

★★★★★

Rated 5.0 across 9 Google reviews

Our clients describe working with us as thorough, responsive, and genuinely invested — valuing clear explanations, long-term consistency, and advice that is never rushed or upsold.

★★★★★

"ZY has been our trusted insurance agent for many years, managing a wide range of our company’s insurance needs—from employee benefits to corporate indemnity coverage. As our workforce has grown over the years, the level of service we receive from ZY has remained consistently top-notch and highly personalized. With her deep understanding of our company’s requirements and the exceptional support she has provided since 2018, ZY ensures a smooth and reliable experience every time. I highly recommend ZY and her company, TZY Co., to anyone seeking dependable, knowledgeable, and comprehensive corporate insurance solutions."

Fleming Tan · a year ago on Google

★★★★★

"I've trusted ZY's expertise since 2016, and it’s become a running joke that she’s been by my side for years! TZY CO has been my go-to for both business and personal insurance needs. ZY is always quick to respond, proactive in following up, and explains everything clearly and concisely, making decision-making easy. Working with TZY CO has been a truly enjoyable experience, and I highly recommend their services!"

Irene Chua · a year ago on Google

★★★★★

"ZY has been supporting my company with a comprehensive range of business insurance solutions since 2019, and she has also provided invaluable guidance for my personal and my family insurance portfolios. Her proactive approach and genuine passion for her work make collaborating with her a pleasure. I especially appreciate her clear communication and prompt follow-ups. Working with TZY CO has been a truly positive experience, and I highly recommend their services."

Lin Yang · a year ago on Google

★★★★★

"I have been working with ZY from TZY CO for my company’s insurance needs since 2020, and over time, I’ve also relied on her expertise for my family’s personal insurance. TZY CO has consistently demonstrated professionalism and genuine care, making it easier for me to navigate the complexities of insurance coverage. What truly stands out is ZY’s prompt assistance and unwavering dedication to quality service. Whether I have questions about policy details or need guidance on claims, she is always reliable, providing clear explanations and quick responses that ease any concerns. Her trustworthiness and commitment to her clients truly set her apart. I highly recommend TZY CO to anyone seeking reliable and personalized insurance solutions."

Eileen Tey · a year ago on Google

★★★★★

"Zuo Ying has been amazing in supporting my employees with their medical benefits and claims facilitation, always providing prompt and reliable assistance. Her professionalism and dedication have made the entire process smooth and hassle-free. Highly recommend TZY CO for anyone seeking top-notch business insurance solutions!"

Weiling Kuah · a year ago on Google

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

Business email compromise in Singapore: how a fake change of bank details reroutes a payment, and the cover most firms overlook

SEF

In May 2026 the Police warned that scammers are tricking Singapore firms into redirecting supplier payments to fraudulent accounts, with tens of millions lost this year. Here is how business email compromise works, and where a policy may, and may not, respond.

TZY CO · Insights

Warehouse business interruption insurance in Singapore: the gap that costs more than the rebuild

Industrial All-Risk Property All-Risk

On 12 June 2026, SCDF deployed 80 firefighters and 20 emergency vehicles to a warehouse fire at Gul Crescent, Tuas. The blaze involved chemicals and waste materials, took five hours to contain, and affected a building the size of a football field. No injuries were reported and the fire did not spread to neighbouring premises. For the business occupying that warehouse, the real financial question starts the morning after.

TZY CO · Insights

Structuring an employee benefits package in Singapore: what HR directors should be thinking about beyond the premium

Group Medical Employee Benefits EB Solutions

Most companies structure their employee benefits package by collecting quotes, ranking them by price, and selecting the cheapest plan that meets a basic coverage threshold. The result is a plan that looks adequate on paper, produces friction every time an employee needs to use it, and costs more at renewal than it should. Here is a more considered way to approach it.

View all insights

Insurance
structured with intent.

Let's arrange a call

Enquire

Insurancestructured with intent.

Let's arrange a call

Enquire

Insurance
structured with intent.