We will source and negotiate for the best type of insurance & takaful products based on your requirements, so you get the best combination of price and coverage

State assesses your exposure to all possible risks such as Towage and Voyage Risks, Political, Freight and Port Risks amongst others, and determines your risk management, control and improvement. State also strives to examine how you can prevent or minimize your risks through insurance placement.

 

  • Marine Cargo Insurance
  • Marine Hull Insurance
  • Hull & Machinery Insurance
  • Protection & Indemnity (P&I) Insurance
  • Goods In Transit Insurance
  • Freight Insurance
  • Freight, Demunage and Defense (FD&D) Insurance
  • Warehousemen / Carriers Liability
  • Marine project cargo and delay in start-up (DSU)
  • Shipbuilder’s Risk
  • Pleasure Craft Insurance
  • Marine Liability

This insurance offers coverage for your home or homes, and even your vehicle. It provides liability coverage for you too, in case you are involved in an accident, in which someone else is injured or there is 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

Running a corporation means having more people to care for – your employees. Allow State to 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 design individualized medical and life insurance plans, including supplementary plans to cushion the rising medical costs for current and post-retirement needs. Coverage can be extended to cover family members as well as medical reimbursement during hospitalization.

  • Group Hospital & Surgical
  • Group Personal Accident
  • Personal Accident
  • Group Term Life
  • Critical Illness
  • Outpatient Insurance
  • Dental

This product protects you and 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
A necessity for all car owners that consists of various types of motor insurance policies such as comprehensive cover, third party cover and act cover. Trust State to find the best policies you need for your vehicle(s).
 
• Commercial Vehicle
• Private Motor Vehicle

Also known as life cover or life assurance, this product goes a long way in protecting your family if anything untoward happens to you. Being an independent intermediary with excess to various alife 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 your Life Insurance provides income protection or debt cancellation in the event of death, disability or a critical illness as well as medical reimbursement during hospitalization.

When it comes to engineering and construction projects, more often than not, they involve massive investments thus creating a need for risk mitigation. This insurance protects investments from losses or damages 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
  • Foreign Workmen Compensation
  • Foreign Workmen Hospital & Surgical (SKHPPA)

This product is also known as body corporate insurance and it protects the property and contents under the management of a strata title or body corporate entity. It is mostly applicable to high-rise residential areas like condominiums and apartments, which 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 must provide public liability too, that covers people who are injured on common property.

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in case a fire, mismanagement by your employee or robbery were to occur. 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.

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 if a debtor becomes insolvent or runs up in arrears.

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, resulting in a lower amount of interest to be paid.

 

  • Performance / Advance Payment Bond
  • Insurance Guarantee

Being in the retail industry means the stocks that you hold is your ricebowl. This makes it imperative that you protect them in case a fire, mismanagement by your employee or robbery were to occur. 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.

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

This insurance product protects you against losses and cost, while reducing the possible risks linked to untoward events when you travel domestically or internationally. As STATE has close ties with an ample range of insurers, you can be sure of a suitable or customized travel protection.

Ease your worries over expensive medical expenses with Medical and Health Insurance. It 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

Highly applicable to clients running a shipping firm, this product is a necessity especially for incidences of piracy and kidnapping cases involving the ship crew. Thanks to STATE’s impressive network, we can source for and deal with all the risks that you may be exposed to. No doubt a suitable plan or plans can then be developed to befit your business needs and financial capabilities, with the extensive amount of information we have.

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

MARINE

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 offers coverage for your home or homes, and even your vehicle. It provides liability coverage for you too, in case you are involved in an accident, in which someone else is injured or there is 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 BENEFIT INSURANCE
Running a corporation means having more people to care for – your employees. Allow State to 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 design individualized medical and life insurance plans, including supplementary plans to cushion the rising medical costs for current and post-retirement needs. Coverage can be extended to cover family members as well as medical reimbursement during hospitalization.
 
• Group Hospital & Surgical
• Group Personal Accident
• Personal Accident
• Group Term Life
• Critical Illness
• Outpatient Insurance
• Dental
LIABILITY INSURANCE

This product protects you and 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 that consists of various types of motor insurance policies such as comprehensive cover, third party cover and act cover. Trust State to find the best policies you need for your vehicle(s).
 
• Commercial Vehicle
• Private Motor Vehicle
LIFE INSURANCE

Also known as life cover or life assurance, this product goes a long way in protecting your family if anything untoward happens to you. Being an independent intermediary with excess to various alife 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 your Life Insurance provides income protection or debt cancellation in the event of death, disability or a critical illness as well as medical reimbursement during hospitalisation.

CONSTRUCTION & ENGINEERING

When it comes to engineering and construction projects, more often than not, they involve massive investments thus creating a need for risk mitigation. This insurance protects investments from losses or damages 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
  • Foreign Workmen Compensation
  • Foreign Workmen Hospital & Surgical (SKHPPA)
STRATA INSURANCE

This product is also known as body corporate insurance and it protects the property and contents under the management of a strata title or body corporate entity. It is mostly applicable to high-rise residential areas like condominiums and apartments, which 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 must provide public liability too, that covers people who are 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 case a fire, mismanagement by your employee or robbery were to occur. 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 if 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, resulting in a lower amount of interest to be paid.

 

  • 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 case a fire, mismanagement by your employee or robbery were to occur. 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 covers corporations against losses from a data breach or loss of confidential electronically-stored information.

TRAVEL INSURANCE

This insurance product protects you against losses and cost, while reducing the possible risks linked to untoward events when you travel domestically or internationally. As STATE has close ties with an ample range of insurers, you can be sure of a suitable or customized travel protection.

MEDICAL & HEALTH INSURANCE

Ease your worries over expensive medical expenses with Medical and Health Insurance. It 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

Highly applicable to clients running a shipping firm, this product is a necessity especially for incidences of piracy and kidnapping cases involving the ship crew. Thanks to STATE’s impressive network, we can source for and deal with all the risks that you may be exposed to. No doubt a suitable plan or plans can then be developed to befit your business needs and financial capabilities, with the extensive amount of information we have.

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

MARINE

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 offers coverage for your home or homes, and even your vehicle. It provides liability coverage for you too, in case you are involved in an accident, in which someone else is injured or there is 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 BENEFIT 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 and 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 that consists of various types of motor insurance policies such as comprehensive cover, third party cover and act cover. Trust State find the best policies that you need for your vehicle(s).
 
• Commercial Vehicle
• Private Motor Vehicle
LIFE INSURANCE

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

CONSTRUCTION & ENGINEERING

When it comes to engineering and construction projects, more often than not, they involve massive investments thus creating a need for risk mitigation. This insurance protects investments from losses or damages 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
  • Foreign Workmen Compensation
  • Foreign Workmen Hospital & Surgical (SKHPPA)
STRATA INSURANCE

This product is also known as body corporate insurance and it protects the property and contents under the management of a strata title or body corporate entity. It is mostly applicable to high-rise residential areas like condominiums and apartments, which 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 must provide public liability too, that covers people who are 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 case a fire, mismanagement by your employee or robbery were to occur. 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 if 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, resulting in a lower amount of interest to be paid.

 

  • 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 case a fire, mismanagement by your employee or robbery were to occur. 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 covers corporations against losses from a data breach or loss of confidential electronically-stored information.

TRAVEL INSURANCE

This insurance product protects you against losses and cost, while reducing the possible risks linked to untoward events when you travel domestically or internationally. As STATE has close ties with an ample range of insurers, you can be sure of a suitable or customized travel protection.

MEDICAL & HEALTH INSURANCE

Ease your worries over expensive medical expenses with Medical and Health Insurance. It 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

Highly applicable to clients running a shipping firm, this product is a necessity especially for incidences of piracy and kidnapping cases involving the ship crew. Thanks to STATE’s impressive network, we can source for and deal with all the risks that you may be exposed to. No doubt a suitable plan or plans can then be developed to befit your business needs and financial capabilities, with the extensive amount of information we have.