Commercial insurance

Consequential loss insurance

Insure against unforseen business interruptions, and run your business with complete peace of mind.
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What is consequential loss?

Consequential loss insurance covers your business’ loss of gross profit when it’s hit by an interruption, such as fire, explosions, and other related perils. In other words, if your business loses money due to an interruption, we’ve got your back.

Why do I need it?

Interruptions cost money, time and significant stress. With consequential loss insurance, you can protect your assets against a wide range of unforseen events that might put you at risk otherwise.

Who is it useful for?

Small/mid businesses

Startups are under constant stress to grow and perform. Uninsured business interruptions are costly — and could bankrupt the startup.
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Large corporations

Interruptions in large companies are magnified, and downtime is costly. Insuring against unforeseen events is critical to avoid this.
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What's covered?

What’s covered in consequential loss?

If there’s an interruption to your business, we’ve got you covered.

Get 360° protection for your business’ loss of gross profit in the event of an interruption caused by fire, lightning, explosion and other related perils.

Continuing overheads

We’ll sustain your overhead expenses during interruptions.

if you still have overheads running (rent, salaries etc) during the interruption, we’ll pay those overheads for you.
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Declared gross profit

We’ll match your gross profit during these difficult times.

If the interruption affects your gross profit, don’t worry. We’ll reimburse you every single dollar that’s declared for this period of time.
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Extra expenses

We’ll pay any extra fees to restore your business back to normal.

If you need to hire external vendors (like auditors, consultants etc) to accelerate your business’ recovery, we’ll pay their fees.
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Wages / payroll

We’ll pay the salaries of your employees during this period.

If you have employee salaries to pay during these tough times, we’ll pay their salaries for you.
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Start your assurance now

Ensure your business’ longevity with Orizal now.

Start a discussion with a friendly Orizal consultant now to talk about how we can help your business avoid unnecessary stress financially and mentally when misfortunate hits.
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Have a specific question?

If you have a specific question you’d like us to answer about consequential loss insurance, please fill up the simple form and we’ll get back to you.

Meet your Orizal advisor.

At Orizal, you’re working with people who care — people looking to support your journey every step of the way. Learn more about their story.
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See the rest of our solutions

Consequential loss insurance is just one part of Orizal’s comprehensive corporate insurance solutions to help you run your business with confidence.
What's the right plan for me?

Consequential loss

Get complete Business Interruption protection.
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Contamination product

For accidental product errors & recalls.
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Complete your projects with peace of mind.
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Workman compensation

Insure your employees for work injuries.
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insurance

Get cyber protection in a digital world.
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Insure Directors in your company against liability.
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Employee benefits

Complete employee welfare & coverage.
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Insure your assets against environmental claim.
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Equipment all risks

Prevent hefty costs due to machine error.
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Fidelity guarantee

Insure your company against fraud.
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Fire & special perils

Guard your company against fires & hazards.
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Make your IPO process a smooth one.
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Marine
insurance

Insure your marine activity and your assets.
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Money
insurance

Shield yourself from any money lost in transit.
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Protect your fleet and staff on their daily trips.
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Ensure contracts are duely performed.
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Product
liability

Guard from claims of harm from products.
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Product
recall

Insure yourself from hefty product recall efforts.
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Professional indemnity

Get financial protection against third-party claims.
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Public 
liability

Indemnify your employees' claims and protect them.
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Ready to run your business with confidence?

Orizal can help you to protect your business in the event of any unfortunate circumstances, and ensure that your business carries on beyond crisis. Start now.

Meet the team

Orizal consultants come from all walks of life, and can help you to find the right solutions for your journey, wherever you’re going. Learn more about your consultant now.
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See our services

Explore the suite of corporate solutions that Orizal offers get the best coverage in the market, so that you can run your business with complete peace of mind. 
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Orizal Pte Ltd (202113698H) is a group of licensed financial adviser representatives and an authorised representative of Infinitum Financial Advisory Pte Limited (Co Reg. No. 199100483Z) (Infinitum).

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