The 11 Best Insurance Brokers in Singapore

Trusted Singapore insurance brokers for personal, expat and SME cover.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: Pacific Prime Singapore is the best insurance broker in Singapore right now - best all-rounder for health-focused clients. Expat Insurance runs it closest.

Choosing an insurance broker in Singapore is partly about access. A good broker can compare policies across insurers for covers such as health, motor, home, travel, maid, employee benefits, work injury compensation, property, liability and cyber, then explain exclusions in plain English before you commit.

For individuals and SMEs, the best fit is usually a broker that is responsive after the policy is bought, not just at quotation stage. Claims guidance, renewal reviews, insurer panel depth and comfort with Singapore-specific risks such as WICA, office contents, public liability and staff medical benefits should matter as much as the cheapest premium.

  1. 01

    A specialist health insurance broker comparing local and international medical plans.

    18 Cross Street, #09-02 Cross Street Exchange, Singapore 048423
    pacificprime.sg

    Best all-rounder for health-focused clients.” - our editors

    THEBESTSG STAFF REVIEW

    Pacific Prime is useful when the hard part is comparison, not buying a specific named Shield plan. Expats, HR teams and families with cross-border needs can benefit from a broker that sees multiple insurer options and can explain trade-offs in network, underwriting and renewals. The limitation is important: it is not the insurer paying claims, so the final experience still depends on the chosen underwriter and policy terms.

    Why Pacific Prime Singapore made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is included as a reputable specialist broker for customers who need to compare several health insurance providers before choosing.

    Pacific Prime Singapore is a specialist health insurance broker rather than an underwriter, but it is a reputable option for comparing individual, family and corporate medical insurance. The Singapore office at Cross Street Exchange supports health insurance quotes and advisory across multiple insurers, including international medical plans for expats and corporate benefits. Pacific Prime's value is in market comparison, plan explanation and renewal support, especially when buyers are deciding between local cover and international private medical insurance. It is best used when you want advice across providers, not a single insurer's product.

    THE EDITORS' SCORECARD - 80/100
    Unique Service Proposition17/20
    Quality of Service16/20
    Accessibility16/20
    Value for Money16/20
    Innovation15/20
  2. 02

    A well-known advisory for expats, families and businesses settling in Singapore.

    Most useful for expat families.” - our editors

    THEBESTSG STAFF REVIEW

    Expat Insurance is one of the most natural first calls for newcomers, internationally mobile residents and founders who want insurance explained without jargon. Its strength is the human advisory layer: health, life, travel, home and business risks can be discussed together, which is useful for families and small teams. The tone is less transactional than many quote-led platforms. The trade-off is that very price-sensitive buyers who already know the exact policy they want may find a pure online comparison site faster.

    Why Expat Insurance made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is highly relevant to Singapore's expat-heavy market and has a strong advisory angle for families, professionals and smaller businesses needing practical policy guidance.

    Expat Insurance is a Singapore-based insurance advisory serving expatriates, internationally mobile families and businesses. Its proposition is built around making Singapore insurance easier to navigate for clients who may be unfamiliar with local healthcare, home, travel, maid, motor or business insurance norms. The firm is known for tailoring cover rather than pushing a single insurer, with attention to lifestyle, family stage and relocation needs. For SMEs, its value is strongest when staff profiles are international or when founders want one advisory contact across personal and business insurance requirements.

    THE EDITORS' SCORECARD - 88/100
    Unique Service Proposition18/20
    Quality of Service18/20
    Accessibility18/20
    Value for Money17/20
    Innovation17/20
  3. 03

    General insurance broker covering private and commercial motor, personal accident, travel, home and business insurance.

    THEBESTSG STAFF REVIEW

    AGI works the way a good broker should: you tell them the risk, they shop the market and come back with options rather than a single house product. Motor insurance - private and commercial - is the firm's bread and butter, and the pricing on new-car coverage is genuinely competitive. Being a brokerage rather than an insurer, claims still sit with the underwriting company, but having AGI in your corner at claim time is precisely the point of using one.

    Why AGI Insurance (Assure Singapore) made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    Selected for custom-fit general insurance broking across motor, personal accident, travel and business lines, with competitive motor pricing and a personal advisory approach.

    AGI - Assure (Singapore) Pte Ltd - is a general insurance broker built on the idea that insurance is never one size fits all. The firm arranges custom coverage across private motor, commercial vehicle, personal accident, business and personal travel, home and other general insurance lines, comparing quotes across insurers to fit the client's actual risk and budget. Its site runs regular promotions such as discounted new-car motor insurance, and quotations are handled through a simple enquiry flow. AGI serves both individuals and businesses that want an adviser managing their general insurance rather than buying blind off a portal.

    THE EDITORS' SCORECARD - 80/100
    Unique Service Proposition16/20
    Quality of Service16/20
    Accessibility15/20
    Value for Money17/20
    Innovation16/20
  4. 04
    Eazy logo

    Eazy

    87/100

    A digital-first Singapore broker covering personal, commercial and lifestyle risks.

    Best digital-first option.” - our editors

    THEBESTSG STAFF REVIEW

    Eazy stands out for making general insurance feel less opaque. For straightforward personal and SME needs, the digital journey is useful: buyers can start with comparisons, then involve the team when the situation needs clarification. That is a good fit for busy founders, families and professionals who want speed but are not comfortable relying only on direct insurer forms. The honest limitation is that complex commercial placements may still require more back-and-forth than the brand name suggests.

    Why Eazy made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It deserves a high ranking for combining online convenience with broad general insurance coverage, especially for everyday personal policies and smaller business needs.

    Eazy is a Singapore insurance brokerage platform that positions itself around simpler online access to a wide range of general insurance products. Its appeal is strongest for individuals and SMEs that want quotations across common covers without starting from scratch with multiple insurers. The platform is associated with personal lines such as travel, car, home and maid insurance, alongside business covers including employee benefits and SME protection. It suits clients who want a modern buying process but still need licensed broker support for policy selection and follow-up.

    THE EDITORS' SCORECARD - 87/100
    Unique Service Proposition18/20
    Quality of Service17/20
    Accessibility18/20
    Value for Money17/20
    Innovation17/20
  5. 05

    An online insurance broker for comparing common personal and business policies.

    THEBESTSG STAFF REVIEW

    Insurance Market is useful when the priority is comparison and clarity. It works best for standardised policies where seeing several options side by side can prevent overpaying or buying more cover than needed. For families and micro-SMEs, that is a practical advantage. The site-led model also makes it easier to revisit renewals and common policy categories. The trade-off is that clients with unusual liability, professional or multi-country risks may outgrow a comparison-led experience and need a more hands-on broker.

    Why Insurance Market made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is a practical choice for everyday insurance buyers who want broad comparison, online convenience and access to common Singapore personal and SME policies.

    Insurance Market is a Singapore online insurance platform focused on helping users compare and buy insurance across different providers. Its coverage is strongest in common general insurance categories such as travel, car, home, maid, personal accident and SME-related products. The model is designed for customers who want visibility across insurers before making a decision, while still having a brokerage platform behind the purchase. It is particularly relevant for budget-aware individuals and small companies looking for practical cover rather than highly bespoke corporate risk consulting.

    THE EDITORS' SCORECARD - 86/100
    Unique Service Proposition17/20
    Quality of Service17/20
    Accessibility18/20
    Value for Money17/20
    Innovation17/20
  6. 06

    A global broker with strong SME, corporate and employee benefits capabilities.

    79 Robinson Road, CapitaSky, #13-01, Singapore 068897
    howdengroup.com
    THEBESTSG STAFF REVIEW

    Howden is one of the strongest options for SMEs that want a serious business broker without immediately feeling like a small account in a giant corporate machine. Its Singapore offering is broad, with visible emphasis on SME packages, employee benefits and specialist commercial risks. The advice will suit companies that are hiring, signing leases, taking on contracts or needing WICA and liability cover properly structured. The trade-off is that individuals seeking only a simple travel or home policy may find smaller digital brokers easier to start with.

    Why Howden Singapore made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It ranks well for its explicit SME insurance focus, strong local contact details and ability to cover both everyday business needs and more technical commercial risks.

    Howden Singapore is a licensed insurance intermediary serving SMEs, corporates and multinationals. Its local site lists SME business insurance, corporate insurance, employee benefits, WICA, group healthcare, cyber, professional indemnity, property, liability, marine and specialist sector covers. The Singapore office is at CapitaSky on Robinson Road. Howden's strength is depth: clients can start with a practical SME package and access specialist advice as risks become more complex. It is particularly suitable for growing businesses that need a broker able to scale from basic protection to more sophisticated risk placement.

    THE EDITORS' SCORECARD - 85/100
    Unique Service Proposition17/20
    Quality of Service18/20
    Accessibility16/20
    Value for Money17/20
    Innovation17/20
  7. 07

    A local insurance broker serving commercial, employee benefits and personal lines.

    THEBESTSG STAFF REVIEW

    Acclaim is the type of broker that suits SMEs wanting local, relationship-led service. It is less flashy than the big global names and less self-service than online marketplaces, but that can be an advantage when a business owner wants one broker to coordinate several policies. It is especially relevant for routine commercial insurance and employee cover. The trade-off is discoverability: buyers who expect instant online comparison, transparent package pages or app-like servicing may find the experience more traditional.

    Why Acclaim Insurance Brokers made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is included for its local brokerage positioning, broad general insurance relevance and fit for SMEs that value practical servicing over a purely digital purchase journey.

    Acclaim Insurance Brokers is a Singapore insurance brokerage with a broad general insurance orientation. It works across corporate and personal insurance needs, including commercial risks, employee benefits and general lines. Its relevance for SMEs lies in having a local brokerage model rather than a purely online quoting funnel, which can be useful when businesses need advice around contracts, staff cover, premises, liability and claims handling. It is a better match for clients who prefer relationship-based servicing and want a broker familiar with Singapore business insurance requirements.

    THE EDITORS' SCORECARD - 83/100
    Unique Service Proposition16/20
    Quality of Service17/20
    Accessibility17/20
    Value for Money17/20
    Innovation16/20
  8. 08

    A Singapore advisory for insurance, financial planning and business protection.

    1 Kim Seng Promenade, Great World City, Office East, Tower 12-06, Singapore 237994
    singcapital.com.sg
    THEBESTSG STAFF REVIEW

    SingCapital is strongest when insurance is part of a bigger planning discussion. That makes it useful for SME owners who do not separate personal cover, family obligations and business continuity neatly. The advisory approach can help clients think beyond the cheapest policy and consider what happens if a key person, director or income earner is affected. The trade-off is that buyers looking for a pure general insurance broker for property, motor fleet or technical liability risks may prefer a specialist commercial brokerage.

    Why SingCapital made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It earns a place because many individuals and SME owners need insurance advice linked to broader financial planning, not only a one-off policy transaction.

    SingCapital is a Singapore financial advisory firm that includes insurance advisory within a wider planning framework. Its core audience includes individuals, families and business owners who want insurance considered alongside financial planning, retirement, healthcare and protection needs. For SMEs, the useful angle is business continuity and employee-related protection rather than only buying a standalone general insurance policy. It is best suited to clients who want advisory conversations around personal and company risks, especially where owners need to coordinate family protection with business responsibilities.

    THE EDITORS' SCORECARD - 82/100
    Unique Service Proposition17/20
    Quality of Service17/20
    Accessibility16/20
    Value for Money16/20
    Innovation16/20
  9. 09

    A major private broker for business insurance, risk management and benefits.

    THEBESTSG STAFF REVIEW

    Lockton is a serious business broker, particularly for companies that have outgrown basic package insurance. Its Singapore presence is long-standing and the firm has visible depth in employee benefits, cyber, professional risk and industry-specific advice. That makes it a strong choice for funded startups, professional firms, hospitality operators and growing SMEs. The trade-off is accessibility for very small buyers: a sole proprietor looking for a simple home office or travel policy may receive more immediate value from a digital personal-lines broker.

    Why Lockton Singapore made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is ranked for its long Singapore presence, strong private brokerage reputation and fit for SMEs needing more sophisticated business risk and benefits advice.

    Lockton Singapore is an insurance broking and risk management firm established locally in 1976. Its Singapore site highlights customised solutions across industries including finance, healthcare, education, hospitality, food and beverage and technology. The firm is part of Lockton, a large privately owned global brokerage group, and its Singapore content covers employee benefits, cyber, casualty, management liability and sector-specific risks. It is most relevant to SMEs and mid-market companies with more complex exposures, especially where claims advocacy and industry knowledge matter more than simple online comparison.

    THE EDITORS' SCORECARD - 81/100
    Unique Service Proposition16/20
    Quality of Service18/20
    Accessibility15/20
    Value for Money16/20
    Innovation16/20
  10. 10

    A global insurance broking and risk advisory firm with small business solutions.

    THEBESTSG STAFF REVIEW

    Marsh is a heavyweight option, and that is both its advantage and its limitation. For SMEs with complex contracts, regional operations, cyber exposure or sector-specific risk, its global market access and technical bench can be valuable. It is also a sensible name for firms that expect to scale or need risk advice alongside insurance placement. The trade-off is that the experience may feel more corporate than personal, so smaller buyers wanting quick, guided comparison for everyday policies may prefer a more retail-focused broker.

    Why Marsh Singapore made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It is included for its global brokerage depth, small business insurance visibility and strong suitability for SMEs with complex or expanding risk profiles.

    Marsh Singapore is part of Marsh, a global insurance broking and risk management firm. Its Singapore site covers industry-specific risk advice, employee health and benefits, cyber risk, casualty, claims management, property risk, trade credit, workers' compensation and small business insurance. The firm is best known for corporate-grade risk advisory and access to global insurance markets, but it is also relevant to SMEs with regulated, contractual or cross-border exposures. It suits companies that want a broker with deep technical resources and international placement capability.

    THE EDITORS' SCORECARD - 80/100
    Unique Service Proposition16/20
    Quality of Service18/20
    Accessibility14/20
    Value for Money16/20
    Innovation16/20
  11. 11

    A global advisory and brokerage firm for commercial risk and employee benefits.

    THEBESTSG STAFF REVIEW

    Aon is best viewed as a business advisory and brokerage option rather than a casual personal insurance stop. For SMEs, the value is in commercial risk thinking, employee benefits and the ability to support companies as they become more complex. It is a strong name when directors want governance, benchmarking and risk advice around the insurance purchase. The trade-off is that small individual buyers may find the firm less approachable than brokers built around personal health, home, travel or expat policies.

    Why Aon Singapore made TheBest SG · full scorecard
    WHY THEY MADE THEBEST SG

    It rounds out the list because of its recognised brokerage and advisory reputation, especially for SMEs that need employee benefits and commercial risk support.

    Aon Singapore is part of Aon, a global professional services firm covering commercial risk, health, wealth and talent advisory. In Singapore, its insurance relevance is strongest for businesses needing brokerage, risk consulting and employee benefits support. The firm is particularly suited to SMEs moving into more structured risk management, companies with regional ambitions and employers trying to design staff benefits more carefully. While not the most retail-oriented name for simple personal lines, Aon remains one of the most reputable choices for business insurance and benefits advisory.

    THE EDITORS' SCORECARD - 79/100
    Unique Service Proposition16/20
    Quality of Service16/20
    Accessibility14/20
    Value for Money16/20
    Innovation17/20

Best Insurance Brokers in Singapore compared

RankNameKnown forPriceAward
#1Pacific Prime Singaporebroker · expat insurance -
#2Expat Insuranceexpat cover · family insurance -
#3AGI Insurance (Assure Singapore)insurance broker · motor insurance -
#4Eazyonline broker · general insurance -
#5Insurance Marketcomparison · online broker -
#6Howden Singaporesme insurance · employee benefits -
#7Acclaim Insurance Brokerslocal broker · commercial insurance -
#8SingCapitalfinancial advisory · protection planning -
#9Lockton Singaporerisk management · employee benefits -
#10Marsh Singaporeglobal broker · small business -
#11Aon Singaporecommercial risk · employee benefits -

Insurance Brokers in Singapore - your questions

What does an insurance broker do in Singapore?

An insurance broker acts for the client by sourcing and comparing suitable policies from insurers. For SMEs, this can include property, liability, work injury compensation, cyber and employee benefits. For individuals, it may include health, travel, home, motor and expat-focused cover.

Is using an insurance broker more expensive?

Not always. Brokers are commonly remunerated through insurer commissions or agreed service fees, depending on the arrangement. The practical value is in comparing options, explaining exclusions and helping with claims or renewals, especially when the cover is not straightforward.

Should SMEs use a broker instead of buying direct?

Many SMEs benefit from a broker when they need more than one policy or have operational risks to explain. A broker can coordinate WICA, public liability, property, professional indemnity, cyber and group medical so there are fewer coverage gaps.

What should I ask before appointing a broker?

Ask which insurers they work with, how they are paid, whether they handle claims support, how renewals are reviewed and whether the recommended policy has key exclusions. SMEs should also ask who will service the account after purchase.

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