Question 1

What is the Opal Score, exactly?

Accepted Answer

A 0–100 number from twelve business inputs, weighted across five risk pillars — cyber, liability, property, employer, and business interruption. Higher is safer.

Question 2

How are the gaps quantified?

Accepted Answer

Every gap is priced from your profile and industry loss norms into SGD exposure. You always get exactly three prioritised gap cards.

Question 3

Do I have to buy Zurich products?

Accepted Answer

No. Opal is a risk intelligence product, not a marketplace. Matches are directional and need local product validation before any quote.

Question 4

What data do you actually need?

Accepted Answer

Twelve profile questions about your SME. No accounting or POS connectors are required today.

Question 5

Is this a quote or a Zurich policy?

Accepted Answer

Neither. The dashboard is an assessment: score, three gaps in SGD, and product themes. Official Zurich product forms still go through a licensed channel.

Question 6

Do you scan an insurer’s book or read policy wordings?

Accepted Answer

No. We score the SME from twelve questions (intake_only). Wordings and consented accounts are next signals — not on this score until they ship.

Question 7

Do you use satellites or flood maps?

Accepted Answer

No. Singapore addresses are checked against PUB’s public flood-prone list by name and we link PUB and OneMap. That is not a flood score and not a satellite layer.

Question 8

Is my data safe?

Accepted Answer

Yes. Secrets live in Google Secret Manager, the API runs on Cloud Run in asia-southeast1, and we do not sell or resell your data.