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SME Protection

Built for businesses that can't afford a setback

For a small or medium business, one fire, break-in, or lawsuit can undo years of hard work. SME Protection brings together the key covers a growing business needs into one plan built around your premises, operations, and budget. At ICOVER4U, we review your business and match you with cover from our insurance and takaful partners, whether you run a shop, workshop, office, or warehouse.

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Protection for every part of your business

Choose the covers that fit your business, or combine them into one package

Fire & Property

Protects your premises, stock, machinery, and contents against fire, flood, storm, and other perils.

Burglary & Theft

Covers loss or damage from break-ins and theft of stock, equipment, and cash.

Public Liability

Covers claims from customers or visitors for injury or property damage linked to your business.

Business Interruption

Replaces lost income and covers ongoing expenses while you recover after an insured loss.

add-ons

Money in transit and safe

Electronic equipment and IT

Employee protection

Fidelity guarantee

Signboard and glass cover

Product liability

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Real protection, real peace of mind

Why staying covered makes all the difference

Downtime costs more than repairs

Even a short closure can mean lost sales and unpaid bills

Financial Stability

Avoid unexpected financial burdens caused by damages or losses. 

Claims guidance

We help you through the process when you need it most

Enhanced Credibility

Having insurance protection builds confidence with stakeholders, partners, and clients.

Built for every kind of traveller

Retail shops

Restaurants and cafes

Workshops and factories

Offices and agencies

Clinics and salons

It isn't legally required in most cases, but landlords, lenders, and clients often require it. More importantly, it protects your savings from a single major loss.

Typically the building (if you own it), renovations, stock, machinery, and contents, against fire and other named perils. Flood and storm are often added as extensions.

Base it on the actual replacement value of your stock and equipment, not what you paid. Under-insuring can reduce your claim payout.

Only if you add Business Interruption cover. It pays for lost profit and fixed costs during the recovery period after an insured loss.

Yes. Your landlord's policy usually doesn't cover your stock, equipment, or renovations.

In many cases, yes. Package plans can be simpler to manage and sometimes more affordable than buying covers separately.

Yes, through our takaful partners.

Frequently Asked Questions
(FAQ)