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Insurance for SME businesses
Empowering SMEs with practical risk protection
Small and Medium Enterprises (SMEs) are the backbone of our economy, yet they remain one of the most underserved segments in insurance.
Running an SME in Singapore comes with unique risks and responsibilities. At Howden, we understand the challenges SMEs face — from safeguarding assets to ensuring employee wellbeing. Our tailored insurance solutions help you build resilience, protect your bottom line, and stay focused on growth.
Focus protection for what matters most
- Protect your assets and liabilities
- Protect your balance sheet and built financial resilience
- Protect your employees
Protecting your assets and liabilities
Your business assets, from property to inventory to equipment, are critical to your operations. Even a single operational incident can have outsized impact on your business. That's why comprehensive general insurance is vital to SMEs.
Our tailored solution for SMEs, Howden Prime, helps SMEs safeguard their physical assets, business continuity, and liability exposures with confidence.
By grouping similar businesses into a collective insurance arrangement, Howden Prime unlocks broader coverage, long-term price stability, and protection that’s typically out of reach for individual SMEs.
Howden Prime delivers protection with clarity, consistency, and strength; so you can focus on growth, knowing your operations are protected by a solution built on the power of many.
Protecting your balance sheet & building financial resilience
Working in a globalised business community brings an increased threat of litigation. Unexpected legal claims or financial losses can derail your business. To safeguard your business’ future prosperity, it is crucial to take control of your risk management.
Our SME Financial Lines package helps you manage risk and protect your company’s financial health. Designed for growing businesses, this bundle includes essential coverages to shield your leadership and operations.
Our recommended SME bundle:
Protecting your employees
Employees are at the heart of every SME. Your people are your greatest asset and protecting their wellbeing is critical to long-term resilience.
MediHub, our tech-enabled comprehensive employee benefits programme, empowers SMEs to care for their teams with speed, clarity, and impact. From healthcare access to benefit visibility and personalised support, MediHub ensures your people are covered when it matters most.
With over 80,000 insured members and 200+ corporate clients, MediHub is trusted by businesses across industries to deliver consistent, accessible care that strengthens retention, boosts morale, and builds a healthier workforce.