# Anapi

> Specialty insurance brokers for investors, startups and entrepreneurs


## Posts

- [Smart Risk Protection for Family Offices and Fund Managers (Part 2)](https://anapi.co/post/smart-risk-protection-for-family-offices-and-fund-managers-part-2/): Running a family office or managing a fund isn’t just about preserving and growing capital. It is increasingly about safeguarding operations, reputation, and trust. In today’s digital, interconnected world, the threats go far beyond market volatility. Cyberattacks, internal fraud, and social engineering have become central risk factors that can severely disrupt business continuity and erode investor confidence. In Part 1 of our Smart Risk Protection for Family Offices and Fund Managers series, we covered the importance of Directors & Officers (D&O) and Professional Indemnity (PI) insurance. These remain foundational for protecting executives and the company’s role in a professional capacity. In Part 2, we dive into Cyber and Crime insurance, […]
- [Smart Risk Protection for Family Offices and Fund Managers (Part 1)](https://anapi.co/post/smart-risk-protection-for-family-offices-and-fund-managers-part-1/): Running a family office or managing client assets isn’t just about making smart investment decisions — it’s about managing risk at every level. While these firms focus on protecting their clients’ wealth, they also need to ensure their own business and leadership are protected. In this two-part series, we break down the key insurance policies every financial institution (FI) — from family offices to fund managers — should have in place to safeguard against costly claims. First up: Directors & Officers (D&O) and Professional Indemnity (PI) insurance — and why having both is essential for complete protection. What is D&O […]
- [The truth about insurance and MAS fines: What no one tells you](https://anapi.co/post/the-truth-about-insurance-and-mas-fines-what-no-one-tells-you/): If you look at your Directors & Officers (D&O) or Professional Indemnity (PI) insurance policy wording, you might see that there is coverage for “fines and penalties”. However, if you are operating in Singapore under Monetary Authority of Singapore’s (MAS) watch, your policy will usually help with defence and investigation costs if the claim is valid — but there are some complications about coverage for fines and penalties. Here’s why, and what that means for your D&O, PI and Investment Manager Insurance (IMI), especially if you are in the Fintech / Finance space, regulated by MAS. The view of regulators and the courts: accountability first […]
- [Why your startup needs to think about D&O insurance before fundraising](https://anapi.co/post/why-your-startup-needs-to-think-about-do-insurance-before-fundraising/): When you’re heads down building product and prepping for your next raise, it’s easy to overlook insurance — especially something like Directors & Officers (D&O) insurance, which sounds like it belongs in the realm of large corporates. But here’s the thing: investor disputes, boardroom decisions, and executive liability don’t wait until you’re a Series B company. They can happen from day one. And that’s exactly why early-stage startups in Singapore should be thinking about D&O insurance before their first term sheet lands. What is D&O Insurance? D&O insurance protects the personal assets of your directors and officers if they’re personally sued for […]
- [How to avoid Professional Indemnity Claims: What to include and avoid in your contracts](https://anapi.co/post/how-to-avoid-professional-indemnity-claims-what-to-include-and-avoid-in-your-contracts/): No one wants to deal with a Professional Indemnity (PI) claim—but if your company offers services, advice, or expertise, it is a risk that comes with it. One of the most effective ways to reduce that risk is to have solid contracts in the first place. A well-drafted contract is more than a formality. It is your first layer of protection when expectations go sideways, a project derails, or accusations of negligence surface. Here’s what you should be including and excluding in your contracts to reduce the chances of getting a lawsuit and facing a PI claim. Key Clauses to […]
- [Navigating Singapore's insurance maze: The truth about local vs. offshore, rated vs unrated](https://anapi.co/post/navigating-singapores-insurance-maze-the-truth-about-local-vs-offshore-rated-vs-unrated/): Singapore is known for its well-regulated insurance market that offers businesses a variety of coverage options. Due to that, Singapore based companies are used to the stability Singapore insurers provide for selected risks. Yet, it is not widely known that there are other available options outside of the Singapore market. We dive into the insurer landscape available in Singapore and offshore, look into ratings and how that may affect your decision on choice of insurer, as well as examine the importance Monetary Authority of Singapore (MAS) regulation places on the decision making process. Local vs Offshore There are currently 51 […]
- [Cyber Insurance secrets: Are you protected against network failure or just network attacks?](https://anapi.co/post/cyber-insurance-secrets-are-you-protected-against-network-failure-or-just-network-attacks/): When you think about Cyber Insurance, you would most likely think immediately about cyber attacks and data breaches brought on maliciously by cyber criminals. But what about when your system or network fails due to human error and that shuts down your entire operation? Continue reading as we delve through the differences of coverages and the opportunities out there to protect your business from both scenarios. Network Attacks A standard Cyber Insurance policy will have coverage for Network Attacks. This specifically addresses damages and losses resulting from deliberate malicious actions targeting a network. These threats often involve: Example: A medical […]
- [Is your crypto company safe? The shocking truth about rising crypto crime and how insurance can save you!](https://anapi.co/post/is-your-crypto-company-safe-the-shocking-truth-about-rising-crypto-crime-and-how-insurance-can-save-you/): Cryptocurrencies have revolutionised financial systems, providing a decentralised, transparent, and fast way to transfer value across borders. However, the anonymity and lack of regulation surrounding them have also opened doors to a variety of crypto crimes. From hacking exchanges to orchestrating fraudulent schemes, cybercriminals have exploited these vulnerabilities. In this article, we will explore examples of notable crypto crimes, the vulnerabilities that enable these attacks, how companies can prevent crypto crime attacks, and the role of insurance in mitigating the impact of such attacks. Examples of crypto crimes Mt. Gox Hack (2014): One of the earliest and most notorious crypto […]
- [Fractional workers at risk? The insurance trap you need to look out for](https://anapi.co/post/fractional-workers-at-risk-the-insurance-trap-you-need-to-look-out-for/): Fractional roles are a growing trend, especially in industries where rapid change and innovation are crucial. The rise of gig economy platforms, freelance marketplaces, and consultancy networks has made it easier for businesses to find and hire fractional professionals. This trend is particularly prominent in tech, finance, and marketing sectors where the demand for specialised knowledge and agile work arrangements is high. If you are thinking about working in a fractional role, or you are already working in a fractional role, have a read of the key insurance considerations for you. Getting the right insurance is potentially trickier than expected. […]
- [Playing with fire: The hidden hazards of being a Nominee Director](https://anapi.co/post/playing-with-fire-the-hidden-hazards-of-being-a-nominee-director/): Nominee directorships. This is often seen as a tick-the-box exercise by foreign companies wanting to set up a new entity in Singapore. Have you been asked to be a Nominee Director, either as a one-off for a company, or do you provide this as a professional service to multiple entities? Make sure you understand the risks involved and what you should have in place to protect yourself. The main role of Nominee Directors is to fulfil the regulatory requirement set by the Companies Act that requires all Singapore incorporated companies to have at least one director who is a permanent […]
- [Shielding wealth and legacy: Insurance protection for family offices](https://anapi.co/post/shielding-wealth-and-legacy-insurance-protection-for-family-offices/): A family office is a bespoke wealth management entity that exists to meet the diverse needs of high-net-worth individuals or families. Typically, their services encompass investment management, financial planning, tax optimisation, estate planning, and much more. The primary goal of a family office is to grow and preserve wealth across generations. These offices often operate with a heightened level of complexity, as they must cater to the unique objectives and circumstances of their clients. Like any company, family offices are not immune to risks. In this article, we delve into the inherent risks associated with family offices and explore the […]
- [Professional Indemnity Insurance for Management Consultants: What to look out for in the policy](https://anapi.co/post/professional-indemnity-insurance-for-management-consultants-what-to-look-out-for-in-the-policy/): In the dynamic world of business, management consultants play a pivotal role in shaping strategies, enhancing operations, and driving growth across all industries for companies, government agencies and non-profit organisations. They help navigate the risks and opportunities for their clients. But what about their own risks that they need to look out for? We take a deep dive into Professional Indemnity (PI) insurance specific for management consultants and look into some risk scenarios that may be applicable to the type of consulting that you do and may want to consider adding to your PI policy. But first, a quick recap […]
- [Fit to be liable: Key risks in the fitness industry](https://anapi.co/post/fit-to-be-liable-key-risks-in-the-fitness-industry/): The fitness industry in Singapore is worth SGD 200m, and that number is probably set to grow even higher. Some trends worth noting in the last few years include digital fitness, boutique studios and personal training is on the rise. The industry also attracts many part time fitness trainers who get into the industry out of passion wanting to help others. Singapore also attracts many fitness brands from across the globe, where they use the franchise model to expand to this market. As a result, there is a large mix of individual fitness trainers who work as contractors, independent fitness […]
- [Liability Insurance for Medtechs: The key things to note](https://anapi.co/post/liability-insurance-for-medtechs-the-key-things-to-note/): The Medtech industry covers a wide-ranging field of things. From telehealth, diagnosis software to medical devices. All areas of Medtech have a level of risk that can be covered by insurance, especially to cover the companies’ liabilities. This article will walk you through the key liability risks that all Medtechs have and explain the types of liability insurance you should consider taking out if you haven’t already. Liability insurance protects companies from their liabilities that result from negligence, errors, or lack of duty of care. The insurance policy pays out for the legal defence and settlement costs of the lawsuit, […]
- [Breaking down the basics of Director & Officers insurance](https://anapi.co/post/breaking-down-the-basics-of-director-officers-insurance/): As a startup founder, there are many things on your plate to focus on as you grow and scale your business. Director & Officers (D&O) insurance is a handy tool to have in your back pocket to protect yourself as a founder. You may have been requested by an investor to take out this policy. Why exactly do they ask for this, and if you haven’t been asked to take it out, why should you consider getting a policy in place? We break down the key things of a D&O policy for you to consider whether it is the right […]
- [Risks and insurance for cryptocurrency companies - What you need to know](https://anapi.co/post/risks-and-insurance-for-cryptocurrency-companies-what-you-need-to-know/): We explore the key risks for companies within the cryptocurrency ecosystem, and examine what options are available for risk transfer through insurance. Since the introduction of Bitcoin in 2008, the rise and popularity of cryptocurrencies has accelerated in the last few years. Whole industries have been created around it, including software for mining, exchange, payment processing, wallets and so forth. And not to mention e-commerce and retail companies that have started accepting cryptocurrencies as payment options. The whole ecosystem is still highly volatile, unregulated and very much intangible. This paves the way for fraudulent activities to take place including theft, […]
- [Liability Insurance – Public, General, Commercial, Event: What’s the difference?](https://anapi.co/post/liability-insurance-public-general-commercial-event-whats-the-difference/): As the world opens up again, many of us are jumping for joy that we can finally meet in larger groups, host events and even get back to the office. Great for both our social and business lives. Liability insurance becomes more important now as you and your employees are likely working in an office, visiting or working at other premises, or even hosting your own events. What are the differences in the different Liability insurance policies and in what circumstances do you need them? Public Liability vs General Liability insurance This is confusing as Public Liability and General Liability […]
- [What sort of risks should I be looking out for in a Foodtech company?](https://anapi.co/post/what-sort-of-risks-should-i-be-looking-out-for-in-a-foodtech-company/): Alternative proteins including cell-based cultured proteins and nutraceuticals are just some of the Foodtech trends right now. This is an exciting time as technology is used to provide more sustainable sources of food. As a Foodtech entrepreneur, there is lots occupying your mind. From the development of the products, navigating the regulatory landscape, or the go-to-market strategy. And once the products are launched, there is another set of priorities to focus on. Here is a list of some key risks and insurance policies applicable to Foodtech companies designed to protect the balance sheet to ensure you can focus on growth […]
- [Business travel in times of COVID-19. What you need to protect you and your team](https://anapi.co/post/business-travel-in-times-of-covid-19-what-you-need-to-protect-you-and-your-team/): With Vaccinated Travel Lanes (VTL) implemented for Singapore residents, it has felt like the world has finally opened up for us. Travel to many countries is now available to us without having to quarantine. Over the holiday period, most of the travel was for leisure or for reuniting with families after two years. As we progress in the year and as more countries are added to the VTL list, more and more business trips will be undertaken. Group Business Travel Insurance is now a policy on the radar of management, especially because of the risks of contracting COVID-19 whilst abroad. […]
- [Painless ways to prepare for a cyber attack](https://anapi.co/post/painless-ways-to-prepare-for-a-cyber-attack/): Guest post by cyber security consulting firm Pragma Strategy When it comes to cybersecurity, many small business owners lull themselves into a false sense of safety by assuming hackers have bigger corporate fish to fry. If you think obscurity will protect you, you are unwittingly putting your company in a particularly precarious position. The reality is SMEs are especially vulnerable because they are less likely to have dedicated IT teams, full-stack protection software, or redundant back-ups. These issues, along with the dangerous assumption that they are not probable targets, leave many small business owners unprepared for cyber attacks. While there […]
- [VCs understand that risks are part of investments into startups. But what about their own risks?](https://anapi.co/post/vcs-understand-that-risks-are-part-of-investments-into-startups-but-what-about-their-own-risks/): VCs are well versed in what risks to look out for in potential investments. They are always balancing the risk-reward seesaw for the end goal of an exit. VCs themselves are faced with investment and operational decisions, all of which hold an element of risk. But what exactly are the risks to VCs and what sort of insurance policies are out there to protect them? The main risk to VCs is legal in nature. This can be detrimental to the balance sheet as legal defence costs can easily rack up. Some insurers offer Fund Manager insurance policies which are applicable […]
- [So, I’m hacked. What now? A short guide for SMEs In the digital age](https://anapi.co/post/so-im-hacked-what-now-a-short-guide-for-smes-in-the-digital-age/): Guest post by cyber security consulting firm Pragma Strategy If you speak to anyone about cybersecurity, the chances are that you will be advised to take a proactive approach to cybersecurity. That means you put in all necessary security measures to anticipate and reduce the likelihood of an attack. However, most businesses, especially SMEs, tend to deal with cybersecurity reactively – it’s not discussed until an attack happens. The biggest problem here is that these businesses do not have adequate processes or plans for a cyber attack. First, what is a cyber attack? A cyber attack is an illegal activity […]
- [Why do I have to take out insurance when setting up contracts with clients?](https://anapi.co/post/why-do-i-have-to-take-out-insurance-when-setting-up-contracts-with-clients/): Many companies come to us with a list of insurance requirements requested by their clients in order for them to get an agreement in place. Why do clients (especially enterprise clients) request this, and what sorts of insurance do they usually want? The whole point of insurance is to reduce risk by transferring it to an insurer. When it comes to entering into contracts between parties, it makes sense that you want to safeguard your company. Your clients want a work contract with you because your service offering provides them with a benefit that they do not have. This requires […]
- [Get a cyber insurance policy now before it becomes uninsurable](https://anapi.co/post/get-a-cyber-insurance-policy-now-before-it-becomes-uninsurable/): It’s no secret that the cyber risk landscape has exploded during the Covid-19 period. Our blog post and podcast interview last year with top cyber security specialists highlighted how cyber attacks, especially low-level cyber attacks were on the rise as a result of everyone working from home. How did that affect the insurance market? I guess no surprises that the claims department of cyber insurers have been busy, especially dealing with ransomware attacks. Ransomware-as-a-service is a real thing and evidenced by the surge in attacks on all sorts of businesses including SMEs. So much so that the underwriters are now […]
- [Selling or manufacturing products? Why a Product Liability insurance policy might be a good idea](https://anapi.co/post/selling-or-manufacturing-products-why-a-product-liability-insurance-policy-might-be-a-good-idea/): You’ve got an awesome new product out to market. You’ve spent lots of time refining the design, features and marketing material. Or maybe you’re not even the manufacturer of the product, but a retailer or wholesaler of a really cool new product. What could possibly go wrong? Unfortunately, risks are all around. Perhaps one of the biggest risks associated with manufacturing or selling products is that your consumers or physical assets may be harmed, damaged or hurt as a result of using your product. Even if you are not the manufacturer, you may be sued for this. Whilst you may […]
- [What is keeping founders up at night?](https://anapi.co/post/what-is-keeping-founders-up-at-night/): Hints: Tied in first place are fundraising and execution risks. Talent risks came in third place This article was first published on e27, https://e27.co/what-is-keeping-founders-up-at-night-20210215/ We know that 90 per cent of all startups fail, and failure is most common in years two to five. It is a no brainer that startups are risky businesses. But we were keen to find out what the perceptions of risks are from the people on the ground running startups. We recently ran a poll to find out what keeps businesses owners up at night and what they are looking out for to ensure they […]
- [Why might you need Professional Indemnity insurance and how can it help you secure more business?](https://anapi.co/post/why-might-you-need-professional-indemnity-insurance-and-how-can-it-help-you-secure-more-business/): We’ve blogged quite a bit already about lawsuits being a headache for companies, especially for small businesses and startups. But what is so specific about Professional Indemnity (PI) insurance that you would need to consider taking out this policy? If your company provides any of the following, you should listen up: Here are the key reasons why you should be considering this policy. 1. Mistakes happen No matter how good you are at your job, even professionals make mistakes. That’s just part of life. Unfortunately, sometimes mistakes can be extremely costly, ending up with a lawsuit. Also, you might use […]
- [How has Covid-19 changed the way cyber criminals operate?](https://anapi.co/post/how-has-covid-19-changed-the-way-cyber-criminals-operate/): Our recent podcast interview with Gene Yu, the CEO of the cyber security firm Blackpanda confirmed our hunch that cyber attacks have been on the rise over the past 9 months or so. He mentioned that there has been an increase is lower-level cyber attacks with the shift to everyone working from home as a result of Covid-19. Cyber criminals are using ‘spray and pray’ tactics, meaning they are targeting a multitude of companies at once. They are no longer just targeting the big fish companies with lots of personal identifiable data like those in financial services or healthcare. They […]
- [Is the hybrid WFH model the way forward?](https://anapi.co/post/is-the-hybrid-wfh-model-the-way-forward/): Humans are creatures of habit. I am definitely one of them. I loved my routine of going to work in the city every day. Even though I had to commute, I enjoyed listening to podcasts, or catching up on the latest daily news headlines. I dragged my feet to moving to work from home (WFH) when the Singapore government raised the DORSCON level to orange. Soon enough Circuit Breaker was suddenly upon us and we no longer had an excuse and had to scramble to get a home office set up. Fast forward a few months and I’m enjoying the […]
- [Employee Benefits: Probably more important now than ever](https://anapi.co/post/employee-benefits-probably-more-important-now-than-ever/): It is far from normal to go through these uncertain Covid-19 times. You have probably seen new sides of yourself, taken on new habits and hobbies. Moreover, you have realised that health and access to good health care is more important to you, more now than ever. It’s time to take control of your future wellbeing and believe it or not, your employer plays a big part in this.  In fact, there was already a growing expectation from employees that healthcare should be included as part of a compensation package. This was particularly common amongst the millennial workforce, however with […]
- [Many startup founders underestimate the need for legal risk mitigation](https://anapi.co/post/many-startup-founders-underestimate-the-need-for-legal-risk-mitigation/): This article first appeared on KrASIA: https://kr-asia.com/many-startup-founders-underestimate-the-need-for-legal-risk-mitigation In danger of incurring crippling legal expenses while defending lawsuits and regulatory investigations, startup founders need to be conscious of the risks they face. Most founders embark on their entrepreneurial journey being acutely aware that 90% of startups fail. What’s less known is that among these failures, one in ten funded startups flame out as a result of legal challenges. As we’ve observed in recent cases involving several prominent Southeast Asian startups, clashes with co-founders, employees, investors, regulators, and customers can quickly escalate into full-blown legal battles. If named individually in a lawsuit, […]
- [The F&B industry is adapting and evolving, so does its risks and coverages](https://anapi.co/post/the-fb-industry-is-adapting-and-evolving-so-does-its-risks-and-coverages/): In 2020, not only have we witnessed the grand scale of Covid-19 affecting our health globally, but also our way of life has been shaped to adjust to the changes at work, at home and even at the borders between countries. Closer to home, the F&B scene in Singapore is one of the key industries that has had to change and adapt pretty much from Day 1 of Circuit Breaker to Phase 2 as we are in right now. During the Circuit Breaker, many restaurants and outlets made big adjustments steering towards food delivery in order to cater to the […]
- [An essential tool to safeguard VCs](https://anapi.co/post/an-essential-tool-to-safeguard-vcs/): As a VC, your main goal is to deliver outsized returns on your portfolio investments. Many VCs in the region had initially taken a purely financial approach of seeding investment capital across a set of startups and letting them figure out the rest by themselves. With the startup ecosystem maturing, the most successful VCs are taking a more active approach by partnering with founders to mentor them and help them solve the hardest problems.  VCs are already well versed in risk assessments when it comes to portfolio companies. Product market fit, market size, team strength etc are all things under […]
- [How startup founders can protect themselves from getting sued](https://anapi.co/post/how-startup-founders-can-protect-themselves-from-getting-sued/): This article first appeared on e27 https://e27.co/how-startup-founders-can-protect-themselves-from-getting-sued-20200907/ Talking with a founder friend recently I heard: “I totally did not expect this. I thought that only people in the US get sued left, right and centre, and now I’m stuck with this painful headache that’s costing me a bomb!” Ouch! It is true that there is a common misconception that when you run a private limited company, your personal assets are shielded. Unfortunately, while shareholder liability is capped at the value of their shares, this is not true for anyone who is making decisions for the company, including founders, directors and […]
- [Insurance for SME businesses](https://anapi.co/post/insurance-for-sme-businesses/): Privately owned businesses face unique risks that not only impact the business but also endanger livelihoods of the owners and their families. However they do not have the luxury of large corporations to set up governance departments with an army of people. SME owners must be vigilant in understanding and addressing their main business risks. How can insurance help SMEs? Insurance is a way to manage risks by transferring the risks to an insurer. It enables SMEs to protect their assets, people and cash flow to weather any incidents in order to continue operating a successful business.  ​What insurance do SMEs […]
- [Insurance for logistics companies](https://anapi.co/post/insurance-for-logistics-companies/): The global nature of trade means that logistics has become a much more intertwined phenomenon. A consumer gadget bought in Singapore might have been manufactured from raw materials in South Africa, assembled in China and warehoused in Hong Kong before dispatch to Singapore. Logistics is the glue that binds this all together and companies are seeing an explosion of demand through the rise of e-commerce and digital marketplaces. As volume and complexity of deliveries continues to skyrocket, so do the risks associated with logistics, adding further pressure on logistics companies to effectively manage those risks. Why do logistics companies need […]
- [Insurance for Startups](https://anapi.co/post/insurance-for-startups/): Running a startup is a real grind, we live it every day at Anapi! Startups are high velocity, growth businesses that attract awesome teams and investors to push traditional boundaries. ​ Insurance is both a necessity and an opportunity for startups. Getting the right protection minimises chances of curveballs with a potential to derail the business and brings couple of welcome benefits: ​ 1.  Attract investors – investors want to ensure risks are eliminated from where they invest their money. They require companies to get certain types of insurance to keep minimise their risks. Including insurance as part of your data […]
- [Does insurance always have to = pain?](https://anapi.co/post/does-insurance-always-have-to-pain/): Hello world and welcome to our first Anapi blogpost! We’ve been extremely busy over the last two years and all of a sudden woken up to hundreds of business customers across three different markets and many more joining us every month! We ❤️ our customers and we live at the very unique intersection of insurance and businesses realities every single day. The question that keeps on coming up in many of our catch-ups with both startups and businesses are… why is insurance so damn painful. We totally hear you by the way, it is an industry and a product that […]

## Pages

- [Professional Indemnity Insurance](https://anapi.co/professional-indemnity-insurance/): Protect yourselffrom client disputes Professional Indemnity (PI) insurance protects your company from the cost of compensating clients for any mistakes in your service and advice Protect Your Business Today Why Get Professional Indemnity Insurance? Manage Unknown Risks Protect your business from risks beyond your control, including fraud by your vendors or unforeseen changes Protect Your Reputation Lawsuits can damage your reputation. This insurance allows you to robustly defend yourself against clients with large resources Sales to Institutions To win contracts with institutional clients, coverage is often necessary and helps to answer objections for using new vendors Access to Experts Get the […]
- [General Liability](https://anapi.co/general-liability/): Protect yourself from Unpredictable Injury & Damage Claims General Liability helps protect your business from costly lawsuits arising from accidental bodily injury or property damage to third parties. It is also known as Public, Product, Umbrella or Combined General Liability (CGL) insurance. Protect Your Business Today Why Get General Liability Insurance? Manage Unknown Risks Protect yourself from risks beyond your control, including quality control issues, staff mistakes and management lapses Sales to Institutions To win contracts with institutional clients, coverage is often necessary and helps to answer objections for using new vendors Unlimited Liability Liability for injury has no cap […]
- [About](https://anapi.co/about-2/): Boutique insurance broker years of experience 0 + Speciality insurance broker regulated by the Monetary Authority of Singapore With over 20 years of experience, we work with our network of insurers to protect our clients from both known and emerging risks We manage over 7 million dollars of premiums from our 1,000 plus clients, ranging from regional corporates, early-stage startups or fast-growing unicorns, and the funds or vendors that support them.  We understand the unique and complex challenges faced by businesses as they grow, and we are committed to offering insurance coverage to mitigate those risks – quickly, efficiently and […]
- [Home](https://anapi.co/): SpecialtyInsurance Brokersfor Startups Entrepreneurs Investors let’s Talk Risk As featured in Awarded Platinum Award for Excellence in Financial Lines by Awarded Startup of the Year 2022 by Expert. Fast. Efficient. At Anapi, we’re on a mission to help investors, startups and entrepreneurs get the protection and advice they need to manage evolving business risks, so that you can have peace of mind to grow your business.  We’re the go-to partner for ambitious businesses in Singapore. As the country’s largest fintech insurance broker, we protect and support a growing portfolio of innovative companies. Our team, led by Andrew Lai, brings over […]
- [Digital Asset Insurance](https://anapi.co/digital-asset-insurance/): Protect your crypto assets Crypto insurance (also known as Digital Asset insurance) covers you from employees stealing crypto, mistakes in handling transactions and hacks or cyber attacks that drain funds Protect Your Digital Assets Today What is Crypto or Digital Asset Insurance? It is a set of insurance policies designed to protect companies that hold or manage crypto assets against specific risks that could cause those assets to be lost. It includes: Specie Insurance – Covers physical theft & damage only Crime & Custodian Insurance– Covers physical theft & damage, employee fraud and computer theft Professional Indemnity Insurance– Covers error […]
- [Instant Employee Benefit Coverage for Solopreneurs and Startups](https://anapi.co/instant-employee-benefit-coverage/): Get instant Employee Benefit Coverage solopreneurs and startups Get Covered now At Anapi, we have instant coverage Employee Benefit Coverage solutions that work for Solopreneurs and Startups with policies starting from as low as $110 per person. Key requirements to qualify The company was incorporated in Singapore Employees covered are between the ages of 16 to 65 Pre-existing conditions only covered after a 12 month waiting period Group Hospital & Surgical Cover Basic from $110 per employee Annual limit of $10,000 Sign me up Coverage Includes – Government / Restructured hospital – 4 bedded room – ICU – Surgeon’s fees […]
- [Instant Cyber Security Protection for SMEs](https://anapi.co/instant-cyber-security-protection-for-smes/): Get instant Cyber Security coverage For SMEs Get Covered now At Anapi, we have instant coverage solutions that works for SMEs with policy coverage limits of S$500,000 to S$2,000,000 from our specialty insurers Key requirements to qualify The company is incorporated in Singapore with no overseas operations Access security controls are in place eg passwords for all employees and other users with privileged access Company does not have an e-commerce platform, ie does not take payment online System security controls are in place eg anti-virus and firewalls Company has weekly data backups and has recovery procedures Company is not regulated by […]
- [Privacy Policy](https://anapi.co/privacy-policy-2/): Anapi Insurance Brokers Pte Ltd (Anapi) UEN 200410774E is bound by the Personal Data Protection Act 2012 (PDPA) and is committed to protecting the personal data we receive. This privacy policy is designed to help you understand why and how we collect, use and disclose your personal data and to whom data access or “opt-out” requests can be addressed. By using our Service, you consent to your personal data being collected, stored, used and disclosed as set out in this privacy policy. Anapi reserves the right to amend this Policy without notice at any time. This Policy also applies to all our employees. […]
- [Directors and Officers Coverage For Swiftly Clients](https://anapi.co/dno-swiftly/): Get instant Directors and Officers coverage For swiftly clients Get Covered now At Anapi, we have instant coverage solutions that works for New Start Ups with policy coverage limits of S$500,000 to S$1,000,000 from our specialty insurers Key requirements to qualify The company was incorporated in Singapore less than 24 months ago Annual revenue is less than S$1,000,000 No staff in the US The company to be insured is not a subsidiary of another entity US revenue and assets are less than 25% of overall revenue and assets Current headcount of less than 50 people Basic $600 Annual limit of […]
- [quiz](https://anapi.co/quiz/): Funding Secured. Is your coverage? Find out what insurance you need and what you don’t Get Instant Coverage Now
- [Directors and Officers Coverage For Margin Wheeler Clients](https://anapi.co/dno-marginwheeler/): Get instant Directors and Officers coverage For margin wheeler clients Get Covered now At Anapi, we have instant coverage solutions that works for New Start Ups with policy coverage limits of S$500,000 to S$1,000,000 from our specialty insurers Key requirements to qualify The company was incorporated in Singapore less than 24 months ago Annual revenue is less than S$1,000,000 No staff in the US The company to be insured is not a subsidiary of another entity US revenue and assets are less than 25% of overall revenue and assets Current headcount of less than 50 people Basic $600 Annual limit […]
- [Instant Directors and Officers Coverage For Start Ups](https://anapi.co/instant-directors-and-officers/): Get instant Directors and Officers coverage For New Start Ups Get Covered now At Anapi, we have instant coverage solutions that works for New Start Ups with policy coverage limits of S$500,000 to S$1,000,000 from our specialty insurers Key requirements to qualify The company was incorporated in Singapore less than 24 months ago Annual revenue is less than S$1,000,000 No staff in the US The company to be insured is not a subsidiary of another entity US revenue and assets are less than 25% of overall revenue and assets Current headcount of less than 50 people Basic $900 add $500 […]
- [Cyber Insurance](https://anapi.co/cyber-insurance/): Protect your business from a cyber breach Cyber insurance (also known as Network & Privacy liability insurance) covers you from both your own direct cost to respond to any breaches and any third party cost you are liable for Protect Your Business Today Why Get Cyber Insurance? Manage Unknown Risks Protect yourself from risks beyond your control, including vendor breaches and staff error Protect your Reputation Lawsuits and breaches can damage your hard-won reputation. Insurance helps to contain a breach and help you recover quickly back to normal. High cost of breaches PDPA breach can normally cost between $50,000 to […]
- [Directors & Officers (D&O) Insurance](https://anapi.co/directors-officers-insurance/): Protect yourself from costly lawsuits Directors & Officers (D&O) insurance (also known as management liability) covers insured persons from any liability due to any error in how they have managed the company. Protect Your Business Today Why Get D&O Insurance? Manage Unknown Risks Protect yourself from risks beyond your control, including fraud by other directors and employees or changing regulation Protect your Reputation Lawsuits can damage your hard-won reputation and defence costs can eat into personal assets. Insurance allows you to fight long disputes Fundraising from VC/PE To raise funds with institutional funds, coverage is often required and will help […]
- [Instant Professional Indemnity Coverage for Consultants](https://anapi.co/instant-professional-indemnity/): Get instant Professional Indemnity coverage For Consultants Get Covered now At Anapi, we have instant coverage solutions that works for consultants with policy coverage limits of S$500,000 to S$2,000,000 from our specialty insurers Key requirements to qualify The company is incorporated in Singapore with no more than 2 subsidiaries Annual revenue is less than S$600,000 No staff, assets or subsidiaries in the US or Canada ⁠⁠Business, Marketing, HR and Technology consultants only US revenue is less than S$120,000 if US coverage is required Current headcount of less than 20 people Basic $1,000 add $700 to include US/CAN Annual limit of […]
- [Blog](https://anapi.co/blog/)
- [Terms of Use](https://anapi.co/terms-of-use/): General This website is operated by Anapi Insurance Brokers Pte Ltd (Trading name: Anapi) UEN: 200410774E. By using this website, yhou shall be deemed to have accepted to be legally bound by these terms and any additional terms, notices and disclaimers which appear on this website and our Privacy Policy. Anapi may change these Terms of Use from time to time without notice. Your continued use of the website following those changes indicates your acceptance of those changes. ​Restrictions on Use You agree that you will not: use this website for your commercial purposes; send any material that could be […]
- [Retail, F&B, Lifestyle](https://anapi.co/retail-fnb-lifestyle/): Industry Retail, F&B, Lifestyle Running a business with a physical presence means paying attention to lots of moving pieces and unpredictable risks from customers, staff and suppliers. Protect Your Business Today Companies we can help Food & beverage Restaurants and bars including Michelin star restaurants, cafe chains and pet cafes Fitness & wellness Fitness centres, boutique gyms, spas and wellness clinics Not for profit Clubs, associations, charities, churches and other religious centres Others Children’s playgrounds, adventure parks, sword fighting schools, special needs schools, coworking spaces and other companies with a brick & mortar presence Essential coverages Property All Risk Protects […]
- [Medtech, Allied Health, Wellness](https://anapi.co/medtech-allied-health-wellness/): Industry Medtech, Allied Health, Wellness The highly personal and sensitive nature of this industry means any small unforeseen error will quickly result in high amounts of liabilities and regulatory issues across different kinds of insurance. Protect Your Business Today Companies we can help Digital health, AI & diagnostics platforms Telemedicine, AI, patient diagnostics and online dispensary platforms Devices, medication & products Companies selling medical devices, wearables, pharmaceutical products, supplements, maternity, adult or childcare products Wellness, alternative & allied health services Companies offering TCM, naturopathy, physiotherapy, counselling and other therapies. Essential coverages Medical Malpractice Protects healthcare professionals to defend claims of bodily injury or property […]
- [Startups, Tech, Consulting​](https://anapi.co/startups-tech-consulting/): Industry Startups, Tech, Consulting Pushing the boundaries in technology and providing sophisticated advice and expertise to clients exposes you to various legal and contractual risks if the unforeseen happens. Protect Your Business Today Companies we can help Enterprise solutions, integration or services Companies that provide development or integration services, provide software or manpower to clients Consumer, entertainment & e-commerce platforms Consumer technology companies such as in the gaming, edtech, e-commerce, entertainment or media space Deep tech, blockchain & metaverse Companies in the cutting edge of robotics, IoT, blockchain and metaverse infrastructure Management, design & ESG consultants Management and business consultants, […]
- [Insurance for SMEs](https://anapi.co/sme/): Comprehensive Business insurance for SMEs Key coverages every SME needs under one policy Protect Your Business Today Why get a packaged SME business insurance? Comprehensive cover It bundles essential coverages like property damage, business interruption, public liability and work injury in one policy, safeguarding you from a wide range of risks such as theft, lawsuits and natural disasters. Cost efficiency Combining multiple insurance coverages into the one policy is more affordable than purchasing individual policies. Continuity It ensures the company can recover quickly from unexpected events like fire, theft, or lawsuits, minimising financial losses and operational downtime. Who needs SME […]
- [Employee Benefits](https://anapi.co/employee-benefits/): Attract and retain talent Get access to great healthcare to all your employees. Reduce stress around health-related issues, and create a happy, healthy and sustainable workplace.  Get the Coverage You Need Right Now Why Get An Employee Benefit Plan? Commitment to your employees Growing your company means a bigger responsibility to your employees. Get an Employee Benefit Plan and make it essential to your corporate values to show you are taking that responsibility seriously. Enhance employee well-being and productivity Access to healthcare ensures employees can manage their health, reducing absenteeism and increasing productivity. Affordable Solutions We offer affordable solutions spanning from basic to […]
- [Fintech, Finance, Funds](https://anapi.co/fintech-finance-funds/): Industry Finance, Fintech, Funds From regulatory, contractual, cyber or legal risks, firms in the finance area need to review their insurance carefully as they are under more scrutiny from regulators and their clients. Protect Your Business Today Companies we can help Payment processors, E-wallets & related infrastructure E-wallets, BNPL, payment processors and gateways, invoice management, ecommerce integrators and underlying API fintechs Robo-advisory, digital exchange & lending platforms Platforms dealing in commodities, equity, debt, property, funds, or digital assets and securities tokens Corporate finance, advisory & trustees Regulated CMS, trustee or FA licence holders Family offices, fund & asset managers Venture […]


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