TZY CO. — Risk Architect

What we cover

Considered protection, for the business and the life behind it

We advise across the full spectrum of business and personal insurance, structured around the risks that matter most to you.

General Insurance

Directors & Officers Liability

D&O

Personal protection for directors and senior officers against allegations relating to their management of the company.

All CompaniesSMEsMNC SubsidiariesStartupsNon-Profits

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Association Liability

Association Liability / Management Liability

Protects not-for-profit organisations, associations, and their management committees against claims arising from the governance and administration of the organisation.

Non-ProfitsTrade AssociationsClubs & SocietiesCharities

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Professional Indemnity

Protects your company against client claims of professional negligence, error, or omission in the advice or services you provide.

LawyersArchitectsEngineersReal Estate AgentsIT ConsultantsAccountantsRecruitersMedicalManagement ConsultantsSurveyors

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Commercial Crime

Crime & Fidelity

Comprehensive cover for losses arising from employee dishonesty, theft, computer crime, counterfeiting, and forgery.

All Sectors

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Cyber Insurance

Cyber

Enterprise cyber risk solution covering data breaches, ransomware, business interruption, and the response costs that follow a cyber incident.

All Sectors

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Social Engineering Fraud

SEF

Protection against financial loss from deception-based fraud, including impersonation, fraudulent payment instructions, and business email compromise.

All Sectors

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Marine Cargo Insurance

Cargo

All-risks protection for goods in transit by sea, air, or land, against loss or physical damage during the course of carriage.

TradingImport/ExportManufacturingCommoditiesE-Commerce

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Freight Forwarder Liability

Logistics Liability

Liability protection for freight forwarders and logistics operators in respect of cargo entrusted to their care, custody, and control.

LogisticsFreight Forwarding3PL

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Valuable Goods (Specie)

High-Value Items

All-risks cover for high-value property such as bullion, cash, securities, and jewellery, whether in storage or in transit.

VaultsJewellers

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Fine Art Dealers & Galleries

Fine Art

Specialist all-risks protection for artwork, gallery stock, museum collections, exhibitions, and high-value collectibles, including transit, consignment, and loan exposures.

GalleriesMuseumsAuction HousesCollectiblesPrivate Collections

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Industrial All Risk

IAR

All-risks property cover for industrial and commercial premises, protecting buildings, machinery, stock, and contents against physical loss or damage. Extends to cover business interruption during reinstatement.

ManufacturingWarehousingFactoriesIndustrialLogistics Facilities

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Public Liability

Protects your business against third party claims for bodily injury or property damage arising from your operations.

All Sectors

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Product Liability

Products

Protects your business against third party claims arising from injury or damage caused by products you manufacture, sell, or distribute.

ManufacturersDistributorsF&B

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Contractor All-Risk

CAR

Protects construction, renovation, and engineering projects against physical loss or damage to works and materials during the project period.

ContractorsBuilders

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SME Package

Business Package

An integrated business package covering property, theft, public liability, and business interruption, structured for small and medium enterprises.

RetailF&BServicesOfficesClinicsSalons

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Workforce Essentials

Work Injury Compensation

WIC

Statutory cover for employee medical expenses, lost earnings, and lump sum compensation arising from workplace injury. Legally required for most employers.

All Employers

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Foreign Worker Bond

Security Bond

The mandatory $5,000 security bond issued by way of Letter of Indemnity for each Work Permit holder employed.

All S-Pass & WP Employers

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Foreign Worker Medical Insurance

FWMI

The compulsory inpatient medical cover for Work Permit and S Pass holders, in place before their arrival in Singapore.

All S-Pass & WP Employers

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Employee Benefits

Group Medical

Group Hospital & Surgical, Outpatient GP and Specialist, Dental, and preventive healthcare benefits for your workforce, with optional keyman protection.

Group MedicalEmployee BenefitsEB Solutions

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Group Personal Accident

Group PA

24-hour accident cover for your workforce, providing benefits for injury, disability, and accidental medical expenses.

All Employers

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Group Business Travel

Group Travel

Cover for employees travelling on business, including overseas medical expenses, trip disruption, baggage loss, and 24-hour emergency assistance.

Business TravellersAll Employers

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Personal Insurance

Personal Accident

24-hour worldwide cover providing benefits for accidental injury, disability, and accidental death.

IndividualsFamilies

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Travel Insurance

Travel

Overseas travel cover including medical expenses, trip cancellation, travel disruption, and lost baggage.

LeisureIndividualsFamilies

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Home & Valuables

High-Value Home

Comprehensive cover for your home, contents, and valuables, including fine art, jewellery, watches, and collectibles, on an agreed value basis.

LandedCondoCollectors

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Home Contents

Home Insurance

Protection for home contents and belongings against fire, theft, water damage, and accidental loss.

HDBCondoTenants

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How we work

What working with us looks like

A considered approach, from the first conversation through to the day you need us.

Every business carries a different mix of exposures, shaped by what it does and how it operates. We take time to understand yours — your operations, your responsibilities, and the risks that matter most — and structure cover around what we find. Considered, clearly explained, and reviewed as your business evolves.

Understanding what you're protecting

We take time to learn how your business operates and what matters most to you, so any cover we recommend rests on a clear understanding of your situation.

Structuring the right cover

We propose cover that fits, with the reasoning laid out clearly so you are confident in the decisions you make.

Looking after it over time

We remain alongside you through renewals, claims, and any change in your business, so your cover continues to fit as you grow.

Testimonials

What our clients say

Real feedback from the businesses and individuals we work with, drawn from our Google reviews.

★★★★★

Rated 5.0 across 9 Google reviews

Our clients describe working with us as thorough, responsive, and genuinely invested — valuing clear explanations, long-term consistency, and advice that is never rushed or upsold.

★★★★★

"ZY has been our trusted insurance partner for many years, managing a wide range of our company's insurance needs, from employee benefits to corporate indemnity coverage. As our workforce has grown over the years, she has consistently provided thoughtful advice and structured our cover around what we actually needed. Always responsive and genuinely invested in getting things right."

Fleming Tan · a year ago on Google

★★★★★

"I've trusted ZY's expertise since 2016, and it's become a running joke that she's been by my side for years! TZY CO has been my go-to for both business and personal insurance needs. ZY is always patient, thorough, and takes the time to explain everything clearly. I never feel rushed or upsold, just well looked after."

Irene Chua · a year ago on Google

★★★★★

"ZY has been supporting my company with a comprehensive range of business insurance solutions since 2019, and she has also provided invaluable guidance for my personal and my family insurance. Her advice is always clear and considered, and she genuinely takes the time to understand what matters to us. I would not hesitate to recommend her."

Lin Yang · a year ago on Google

Insurance Insights

Fresh thinking, every week

Short, practical reads on the risks businesses face, published every week. Recent pieces below.

TZY CO · Insights

Why your group medical insurance renewal is more expensive every year, and what you can actually do about it

Group Medical Employee Benefits

The renewal letter arrives. The premium is higher than last year. The explanation offered is "medical inflation" and it is not wrong, but it is incomplete. For Singapore employers managing group medical benefits, the real picture is more specific and more actionable than that. Here is what is actually driving the cost, why employee claims behaviour is a bigger factor than most HR teams realise, and what levers are actually worth pulling before renewal.

TZY CO · Insights

Professional indemnity insurance in Singapore: who needs it, why clients demand it, and what happens without it

Professional indemnity insurance covers the cost of defending a claim and paying damages when a client says your advice or service caused them a financial loss. In Singapore, some professions cannot practise without it. Many others will find that clients and government contracts simply will not proceed without it. Here is what it covers, who it applies to, and what the exposure looks like without it.

TZY CO · Insights

Social engineering fraud in Singapore: what the Lawrence Wong deepfake case tells us about a gap most businesses are not insured for

SEF

On 15 May 2026, the Singapore Police Force issued an advisory about a businessman who wired S$4.9 million to fraudsters after attending a Zoom call featuring AI-generated deepfakes of Prime Minister Lawrence Wong, President Tharman Shanmugaratnam, and senior officials. No system was hacked. No password was stolen. A person was deceived into transferring money voluntarily. That distinction matters enormously for insurance purposes, and most businesses do not know why

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Insurance
structured with intent.

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Insurancestructured with intent.

Let's arrange a call

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Insurance
structured with intent.