See the gap
before the claim.
Not insurance. Not a quote. Answer 12 questions about how the business actually runs. Get a 0–100 score and the three holes in your cover — written in dollars — before a claim is denied.
<5% of ASEAN MSMEs have any insurance (UNDP).Fewer than 5% of ASEAN MSMEs have any insurance (UNDP). Most SMEs discover gaps only when a claim is denied.
Most operators only learn what isn’t covered after a claim fails. Opal is a short check: score the business, name the three biggest holes in dollars, then you decide with your broker. Built for SMEs across Southeast Asia.
Made visible
You already have operations. You may already have policies. What you usually don’t have is a one-page map of where those two don’t match — cargo, cyber, premises, interruption. Opal writes that map in dollars. It does not sell you a policy.
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.
Join waitlistA single Opal Score — 0 to 100 — that any SME can read in seconds.
Score
67
0
One number from twelve business inputs across cyber, liability, property, employer, and business interruption. Rescore when the business moves — that movement is risk drift. 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.
Each gap points to the kind of cover to review next.
Opal does not sell insurance, quote shipments, or handle claims. It shows what’s missing and names Zurich-aligned product themes so you (or your broker) know what to review. Local catalogues still apply.
How it works
Four steps between an SME and real protection.
Answer 12 questions
How you operate: industry, size, premises, data, overseas lanes, current cover. Two minutes. No software to install.
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.
Watch risk drift
When headcount, revenue, premises, or digital ops change, rescore. The delta is the gap after bind — before a claim tests it. Pilot monitoring is included; we are not taking card payments on this page.
Cyber exposure
$85,000
exposed
Illustrative: an SME storing customer data without cyber cover can face five-figure incident costs.
Business interruption
$120,000
exposed
Illustrative: a multi-week outage often exceeds basic cover caps for growing SMEs.
Asset & premises
$60,000
exposed
Illustrative: premises and equipment gaps compound as headcount and inventory grow.
Early access
Be first when we open pilots.
Not a policy. Not a cargo quote. Join and we invite you to run the 12-question check: one score, three gaps in dollars. Dashboard stays invite-only.
Join free
See your gap before the claim.
Join the waitlist or book 15 minutes. We show the live score on an invite. We do not bind cover on the call.