SME Risk & Protection Readiness Report

Generated locally by SBFinance · Deterministic engine (calculation_version protection-v2) · Currency: SGD

SYNTHETIC EXAMPLE — all figures and the policy are illustrative. Not a real business or policy.

1. Business summary

Marina Digital Services Pte Ltd (Synthetic) — Singapore-based digital / managed-IT services SME, 24 employees, two sites. Policy number ••••4417 (masked). Period 2026-01-01 to 2026-12-31.

2. Overall protection readiness

62.8 / 100 — moderate. Components: financial resilience 100 (weight 0.25), policy completeness 35 (0.20), coverage adequacy 30.8 (0.35), data confidence 100 (0.20). Missing-data penalty 0.

3. Financial facts (from the SME's own export)

Revenue (6 months)	SGD 900,000	Profit margin	20%
Available cash	SGD 120,000	Net cash change (6m)	−SGD 60,000
Runway	12 months	Cash-gap date (baseline)	2027-06-30
Top supplier share of spend	45%	As-of date	2026-06-30

4. Coverage-gap register

Risk family	Status	Modelled impact	Limit / sub-limit	Covered	Uncovered
Cyber	No matching coverage	SGD 44,444	—	SGD 0	SGD 44,444
Supply-chain	No matching coverage	SGD 48,944	—	SGD 0	SGD 48,944
Business interruption	Possible partial gap	SGD 54,444	SGD 25,000 (sub-limit)	SGD 24,000	SGD 30,444
Asset / property	Possible partial gap	SGD 250,000	SGD 200,000	SGD 197,500	SGD 52,500

5. Policy evidence

Family	Field	Value	Source
Property	Limit of Indemnity	SGD 200,000	p.1 — "Limit of Indemnity: SGD 200,000"
Property	Deductible	SGD 2,500	p.1 — "Deductible: SGD 2,500"
Business interruption	Sub-limit	SGD 25,000	p.1 — "Sub-limit: SGD 25,000"
Business interruption	Indemnity period	90 days	p.1 — "Indemnity Period: 3 months"
Cyber	Coverage present	No (inferred)	No cyber section found in the wording

6. Cash-flow impact of the headline uncovered event

With a 10-day disruption and a 30% revenue decline through recovery, the modelled ongoing runway falls from 12 months to about 6.3 months and the cash-gap date moves from 2027-06-30 to 2026-12-30. A larger, uncovered supply-chain or asset event compresses this further.

7. Assumptions & limitations

Daily fixed-cost burden = average monthly expenses ÷ 30 (treats all opex as continuing — conservative).
Contribution margin taken from profit margin (floor), else a 35% default.
Interruption length and revenue decline are user-selected scenarios, not forecasts or probabilities.
Extraction is from a text-based PDF only; a scanned policy would be marked unsupported.
Indicative decision-support — not a coverage determination.

This report is illustrative decision-support generated from synthetic data. Actual coverage depends on the full policy wording, endorsements, exclusions and the insurer's decision. Verify every figure with a licensed broker or insurer. SBFinance is not a broker, underwriter or claims handler and implies no affiliation with any insurer or programme.

→ Explore this interactively in the browser demo