SME Risk & Protection Readiness Report

Synthetic report preview · Precomputed fixture (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. Illustrative policy ID DEMO-POLICY-001. Period 2026-01-01 to 2026-12-31.

2. Assessment status

Prototype index withheld. No readiness score is published pending independent review of the methodology, source reconciliation and extraction-confidence treatment.

3. Synthetic fixture financial inputs

Revenue (6 months)	SGD 900,000	Expenses (6 months)	SGD 800,000
Available cash	SGD 120,000	Illustrative cash bridge	SGD 100,000 operating result − SGD 160,000 other cash movements = −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

Prototype evidence: the arithmetic bridge is included, but the source export and transaction detail are not. These values are illustrative, not independently verified customer facts.

4. Coverage-gap register

Risk family	Status	Modelled impact	Limit / sub-limit	Covered	Uncovered
Cyber	No matching text found	SGD 44,444	Not found in reviewed text	Unknown	Requires policy review
Supply-chain	No matching text found	SGD 48,944	Not found in reviewed text	Unknown	Requires policy review
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	Matching text	Not found (inferred)	Requires review of complete wording and endorsements

6. Cash-flow impact of the headline uncovered event

In the fixed baseline synthetic assessment, the headline property scenario has a modelled SGD 52,500 uncovered amount. The fixture reports cash reducing from SGD 120,000 to SGD 67,500, runway from 12 to 6.75 months, and the modelled cash-gap date moving from 2027-06-30 to 2027-01-30. These are prototype what-if outputs, not an event forecast or actuarial prediction.

7. Assumptions & limitations

Daily fixed-cost burden = average monthly expenses ÷ 30 (treats all opex as continuing — conservative).
Scenario contribution margin is a 20% synthetic fixture assumption, not the operating margin.
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.
No matching text is not a finding of zero coverage; it requires complete-policy review.
The public fixture omits source documents and full cash reconciliation.
Broad real-policy extraction validation and independent formula review are incomplete.
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