See the gap
before the claim.
Opal is pre-claim risk intelligence for SEA SMEs — a 0–100 score and three coverage gaps in SGD, so missing cyber, supply-chain, and asset cover is visible before a denial.
We're building the risk intelligence layer for SMEs across Southeast Asia — so protection is visible, quantified, and actionable long before a claim.
Made visible
Plaid made bank data portable. Opal makes risk data visible — a single score, three specific gaps quantified in dollars, updated every month as the business changes. The infrastructure layer SME insurance in SEA has been missing.
How Opal works
Software that turns invisible risk into a page you can act on.
Every SME. Every month. Every gap in dollars — before a claim denial.
Get my Opal ScoreA single Opal Score — 0 to 100 — that any SME can read in seconds.
One number that captures cyber, liability, property, employer, and business interruption from twelve business inputs. Updated monthly as the business changes. No jargon, no 40-page report.
Three specific coverage gaps — quantified in dollars, not adjectives.
Not "you might want more cyber cover." Instead: exposure in SGD, why it matters, and the Zurich-aligned product theme that closes it — before a claim tests the gap.
Every gap paired with the Zurich product that closes it.
Opal is not a marketplace and not a claims app. It's the pre-claim intelligence layer that shows what's missing and surfaces Zurich-aligned guidance for the right next step.
How it works
Four steps between an SME and real protection.
Connect once
Answer twelve profile questions about your business. Two minutes, one time. No brokers required.
Get your Opal Score
Our engine returns a single 0–100 score plus three specific coverage gaps quantified in SGD.
Close the gap
Each gap is paired with a Zurich-aligned product label and the dollar exposure it removes — pending local catalog validation.
Stay covered
Score refreshes monthly. When your business changes, Opal tells you before the next claim does.
Waitlist
Be first when we open pilots.
Waitlist = early invite list. Pilot = dashboard access we whitelist. Join below — industry and customer insight beats a tech-only pitch.
See your gap before the claim.
Join the waitlist for a pilot seat, or get your score now if you're invited. Twelve questions. Three gaps in SGD. No card required.