Product
The risk intelligence layer for SEA SMEs.
Twelve questions. One 0–100 score. Three gaps in SGD. Zurich-aligned guidance you can take to a broker. Not a quote. Not a binder. Not a scan of an insurer’s book.
Same grounds
What this is — and what it is not.
We compete on a live SME page and an honest score. We do not invent users, pilots, or seed rounds to look bigger.
- · A 0–100 score and three SGD gap cards from twelve questions about how the business runs.
- · Zurich-aligned product themes as directional guidance — broker-safe, not a marketplace.
- · Risk drift: rescore when the business moves, then export a one-pager for the advisor.
- · Not a wording OCR engine. Policy PDFs are a next signal, not on this score.
- · Not a scan of an insurer’s in-force book. Portfolio tools for carriers are a different buyer.
- · Not a binder, quote, or official Zurich product. Local catalogues still apply.
Illustrative product UI — your live score starts at Get Score
Score
67
0
A single number the whole business can rally around.
0 to 100 across cyber, liability, property, employer, and business interruption. Higher is safer. Today the door is twelve questions (intake_only). Enrichment — wordings, accounts, location — is labelled only when it is actually on the score.
Coverage gaps quantified in SGD, ranked by exposure.
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.
Guide to the right protection — not a marketplace.
Each gap maps to a Zurich-aligned product family with estimated cover and premium ranges. Take the three numbers to your broker. Opal does not bind, quote, or settle claims.
- · Cyber · supply chain · assets themes (Zurich problem alignment)
- · Plain-English gap narrative
- · Catalog status marked for local validation
Risk drift, month by month.
When headcount, revenue, premises, or digital ops change, OPAL rescores and shows the delta. Pilot seats include monitoring — no card checkout on this site. SGD 99/mo is the post-pilot list price, not a live charge today.
Built for GFH 2026 · Zurich Problem 3
Closing the SME Protection Gap: see exposure and coverage gaps before a claim is denied. Singapore SMEs ≈ 369,500 (SingStat 2025). ASEAN MSME insurance <5% (UNDP). CSA: phishing +49%, ransomware +21% (2024/25).