Based on your requirements, we will find you the best type of insurance & takaful products, negotiating and get you the best combination – price and coverage

Based on your requirements, we will find you the best type of insurance & takaful products, negotiating and get you the best combination – price and coverage

Protection & indemnity

There are many risks to consider when running a maritime company with operating vessels. STATE assesses your exposure to all possible risks – Towage and Voyage Risks, Political, Freight and Port Risks, amongst others – determines your risk management, control and improvement. STATE also works towards examining how you can avoid or minimise them, or transfer them through insurance.

  • Marine Cargo
  • Marine Hull
  • Good-In-Transit
  • Protection & Indemnity (P&I)
Property & Casualty

This insurance provides coverage for the home or homes, or even the vehicle that you own. It also provides you with liability coverage in the case of you being involved in an accident that someone else had been injured in, or damage to another individual’s possession.

  • Fire & Extraneous Perils
  • Consequential Loss / Business Interruption
  • Industrial All Risks
  • All Risks
  • Burglary
  • Money
  • Fidelity Guarantee
  • Mobile Equipment

Plate Glass

Employee Benefits Insurance
Running a corporation means having more people to care for – your employees. Let STATE help you find the best for your company from a wide range of customised insurance services like Group Term Life, Group Personal Accident and Group Hospitalisation. Corporations can also look to design individual portable medical and life insurance plans as supplementary plans to cushion the rising medical costs for current and post-retirement needs. Coverage can also be extended to family members.
 
• Group Hospital & Surgical
• Group Personal Accident
• Personal Accident
• Group Term Life
• Critical Illness
• Outpatient Insurance
• Dental
Liability Insurance

This product protects you, or your business, from risks of liabilities that may manifest in the form of lawsuits for malpractice, injury or negligence, amongst others.

  • Public Liability
  • Comprehensive General Liability
  • Director & Officer Liability
  • Product Liability
  • Professional Indemnity / Error & Omission
  • Malpractice Liability
  • Employer’s Liability
  • Golfer’s Insurance
Car Insurance

A necessity for all car owners, there are various types to motor insurance policies including comprehensive cover, third party cover and act cover. Let STATE find the best policies that you need for your vehicle/s.

• Commercial Vehicle
• Private Motor Vehicle

Life Insurance

Also commonly known as life cover or life assurance, this product goes a long way in protecting your family should anything untoward happen to you. Being an independent intermediary with excess to various life insurers, takaful operators and offshore Labuan-based companies, STATE can help you obtain a simple term or a foreign-currency universal life policy. You can also design plans to ensure that your Life Insurance provides income protection or debt cancellation in the event of death, disability or a critical illness, and medical reimbursement during hospitalisation.

Construction & Engineering

When it comes to engineering and construction projects, more often than not, they involves massive investments thus creating a need for risk mitigation. This insurance protects investments from loss or damage to your projects. STATE sources the best solution that you will need for this purpose.

  • Machinery Breakdown
  • Machinery Breakdown Loss of Profit
  • Erection’s All Risks
  • Contractor’s All Risks
  • Boiler
  • Civil Engineering Completed Risks (CECR)
  • Deterioration of Stocks
  • Storage Tank
  • Electronic Equipment
  • Workmen Compensation
Home Insurance

This insurance product covers a private residence protecting against losses and damages to a home or assets within the property. Typically, it also encompasses liability coverage for accidental incidents that may take place at or within the vicinity of the home. STATE will help you find or design a suitable policy.

  • Houseowner (on Building)
  • Householder (on Contents)
  • Personal All Risks
Strata Insurance

This product is also known as body corporate insurance and protects the property and contents under the management of a strata title or body corporate entity. Mostly applicable to high-rise residential areas like condominiums and apartments, it may include elevators, car parks, common areas, and even gardens. It is mandatory and its premium costs are usually shared by owners of strata units. It also must provide public liability which protects the people who may be injured on common property.

Logistic

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in the event of a fire, or mismanagement by your own employees or even a robbery. STATE helps you find the best protection within its catchment of insurers to cater to your wants and needs, whether it is a simple package or a multiline coverage policy.

Trade Insurance

Debtors can be a problem when you’re involved in selling goods or services on credit terms. Trade Credit safeguards your company against losses that may arise from non-payment of trade-related debts by protecting your cash-flow in the event a debtor becomes insolvent or runs up in arrears.

Bond Insurance

Bond insurance, or financial guarantee insurance, is a product in which an insurance firm guarantees a repayment of interests to the principal on a bond. Bond issuers buy insurances as a form of credit rating enhancement which results in a lower amount of interest that it needs to pay.

  • Performance / Advance Payment Bond
  • Insurance Guarantee
Retail Insurance

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in the event of a fire, or mismanagement by your own employees or even a robbery. STATE helps you find the best protection within its catchment of insurers to cater to your wants and needs, whether it is a simple package or a multiline coverage policy.

Cyber Insurance

In today’s world of technology advancement being hacked is an almost common occurrence. Cyber Insurance provides corporations against losses resulting from a data breach or loss of any confidential electronically-stored information.

Travel Insurance

This insurance product protects you against losses and costs, while reducing the possible risks linked to untoward events that may happen while you travel – domestically or internationally. Since STATE has close ties with a wide range of insurers, you can be assured of a suitable or customised travel protection.

Events Insurance

This product caters to those who are frequently participating or are involved in events. Event Insurance typically protects the exhibitor and associated insured parties against damage or loss to their booth, furniture, and/or equipment amongst other risks.

Healthcare

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War, Terrorism, Political Risks, Kidnap & Ransom Insurance

Mostly applicable to clients running a shipping firm, this product is a necessity especially with incidences of piracy, and kidnapping cases involving the ship crew. Based on STATE’s network we are able to source for, and deal with all the risks that you may be exposed to. With our extensive information, a suitable plan or plans can be designed to suit your business needs and financial capabilities.

Based on your requirements, we will find you the best type of insurance & takaful products, negotiating and get you the best combination – price and coverage

Protection & indemnity

There are many risks to consider when running a maritime company with operating vessels. STATE assesses your exposure to all possible risks – Towage and Voyage Risks, Political, Freight and Port Risks, amongst others – determines your risk management, control and improvement. STATE also works towards examining how you can avoid or minimise them, or transfer them through insurance.

  • Marine Cargo
  • Marine Hull
  • Good-In-Transit
  • Protection & Indemnity (P&I)
Property & Casualty

This insurance provides coverage for the home or homes, or even the vehicle that you own. It also provides you with liability coverage in the case of you being involved in an accident that someone else had been injured in, or damage to another individual’s possession.

  • Fire & Extraneous Perils
  • Consequential Loss / Business Interruption
  • Industrial All Risks
  • All Risks
  • Burglary
  • Money
  • Fidelity Guarantee
  • Mobile Equipment
  • Plate Glass
Employee Benefits Insurance
Running a corporation means having more people to care for – your employees. Let STATE help you find the best for your company from a wide range of customised insurance services like Group Term Life, Group Personal Accident and Group Hospitalisation. Corporations can also look to design individual portable medical and life insurance plans as supplementary plans to cushion the rising medical costs for current and post-retirement needs. Coverage can also be extended to family members.
 
• Group Hospital & Surgical
• Group Personal Accident
• Personal Accident
• Group Term Life
• Critical Illness
• Outpatient Insurance
• Dental
Liability Insurance

This product protects you, or your business, from risks of liabilities that may manifest in the form of lawsuits for malpractice, injury or negligence, amongst others.

  • Public Liability
  • Comprehensive General Liability
  • Director & Officer Liability
  • Product Liability
  • Professional Indemnity / Error & Omission
  • Malpractice Liability
  • Employer’s Liability
  • Golfer’s Insurance
Motor Insurance

A necessity for all car owners, there are various types to motor insurance policies including comprehensive cover, third party cover and act cover. Let STATE find the best policies that you need for your vehicle/s.

• Commercial Vehicle
• Private Motor Vehicle

Life Insurance

Also commonly known as life cover or life assurance, this product goes a long way in protecting your family should anything untoward happen to you. Being an independent intermediary with excess to various life insurers, takaful operators and offshore Labuan-based companies, STATE can help you obtain a simple term or a foreign-currency universal life policy. You can also design plans to ensure that your Life Insurance provides income protection or debt cancellation in the event of death, disability or a critical illness, and medical reimbursement during hospitalisation.

Construction & Engineering

When it comes to engineering and construction projects, more often than not, they involves massive investments thus creating a need for risk mitigation. This insurance protects investments from loss or damage to your projects. STATE sources the best solution that you will need for this purpose.

  • Machinery Breakdown
  • Machinery Breakdown Loss of Profit
  • Erection’s All Risks
  • Contractor’s All Risks
  • Boiler
  • Civil Engineering Completed Risks (CECR)
  • Deterioration of Stocks
  • Storage Tank
  • Electronic Equipment
  • Workmen Compensation
Home Insurance

This insurance product covers a private residence protecting against losses and damages to a home or assets within the property. Typically, it also encompasses liability coverage for accidental incidents that may take place at or within the vicinity of the home. STATE will help you find or design a suitable policy.

  • Houseowner (on Building)
  • Householder (on Contents)
  • Personal All Risks
Strata Insurance

This product is also known as body corporate insurance and protects the property and contents under the management of a strata title or body corporate entity. Mostly applicable to high-rise residential areas like condominiums and apartments, it may include elevators, car parks, common areas, and even gardens. It is mandatory and its premium costs are usually shared by owners of strata units. It also must provide public liability which protects the people who may be injured on common property.

Logistic

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in the event of a fire, or mismanagement by your own employees or even a robbery. STATE helps you find the best protection within its catchment of insurers to cater to your wants and needs, whether it is a simple package or a multiline coverage policy.

Trade & Credit Insurance

Debtors can be a problem when you’re involved in selling goods or services on credit terms. Trade Credit safeguards your company against losses that may arise from non-payment of trade-related debts by protecting your cash-flow in the event a debtor becomes insolvent or runs up in arrears.

Bond Insurance

Bond insurance, or financial guarantee insurance, is a product in which an insurance firm guarantees a repayment of interests to the principal on a bond. Bond issuers buy insurances as a form of credit rating enhancement which results in a lower amount of interest that it needs to pay.

  • Performance / Advance Payment Bond
  • Insurance Guarantee
Retail Insurance

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in the event of a fire, or mismanagement by your own employees or even a robbery. STATE helps you find the best protection within its catchment of insurers to cater to your wants and needs, whether it is a simple package or a multiline coverage policy.

Cyber Insurance

In today’s world of technology advancement being hacked is an almost common occurrence. Cyber Insurance provides corporations against losses resulting from a data breach or loss of any confidential electronically-stored information.

Travel Insurance

This insurance product protects you against losses and costs, while reducing the possible risks linked to untoward events that may happen while you travel – domestically or internationally. Since STATE has close ties with a wide range of insurers, you can be assured of a suitable or customised travel protection.

Events Insurance

This product caters to those who are frequently participating or are involved in events. Event Insurance typically protects the exhibitor and associated insured parties against damage or loss to their booth, furniture, and/or equipment amongst other risks.

Medical & Health Insurance

Ease your worries over expensive medical expenses with Medical and Health Insurance which helps you take care of all treatment costs incurred from illness or injury with comprehensive coverage, including pre and post hospitalization as well as outpatient benefits. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

  • Hospitalization
  • Critical Illness
  • Surgical
War, Terrorism, Political Risks, Kidnap & Ransom Insurance

Mostly applicable to clients running a shipping firm, this product is a necessity especially with incidences of piracy, and kidnapping cases involving the ship crew. Based on STATE’s network we are able to source for, and deal with all the risks that you may be exposed to. With our extensive information, a suitable plan or plans can be designed to suit your business needs and financial capabilities.