If the report has 40 findings, nobody acts

Operators do not fail because they lack information. They fail because the information does not fit in a Tuesday.

A 40-line risk dump looks serious in a deck. In a 12-person company it sits in email. Nobody owns line 27. Nobody budgets for line 31. The claim still arrives.

If everything is a gap, nothing is a decision.

Three is a constraint we chose

OPAL always returns three coverage gaps. Ranked. Severity tagged. Each one priced in SGD — exposure, a cover band, a directional premium.

That is not because SMEs only have three problems. It is because three is what a founder, an accountant, or a broker can act on this month.

Close the first hole. Rescore. The next three appear. That is the loop — not a binder you never reopen.

Twelve questions, not a forensic

Intake is twelve facts: industry, headcount, revenue band, years in, premises, digital data, online sales, overseas ops, remote staff, current cover, recent claims, email for the invite.

Enough to score cyber, liability, property, employer, and business interruption. Not enough to pretend we underwrote the firm.

The score is 0–100 against an industry band. Higher is safer. The three cards tell you where the money is still open.

Guidance, not a sale

Zurich product matches on the cards are directional. Public lines, mapped to the gap. Not a quote. Not a bind.

If you want a policy, you still talk to a human who can actually issue one. OPAL’s job is to make the hole visible so that conversation is about the right thing.

Would you rather have forty findings — or three numbers you can take to your broker this week?