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The Top Insurance Broker in Singapore
Trusted by HR,
Finance & Employees

Competitive Premiums & 1 Business Day
Response Time Promise

Awarding Winning Insurance Broker helping Start Ups, SMEs & MNCs for 15 years and counting!

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BENEFITS

Why leading HR & Finance teams choose us?

WHAT CAN HR, FINANCE & EMPLOYEES EXPECT?

One Business Day Response Time For You

PROBABLY THE FASTEST IN SINGAPORE!

Not just acknowledgment emails but real answers with solutions in 1 Business Day. HR, Finance, and employees can expect quick, clear, and professional replies.

When situation arises, response time matters.

Happy clients with trusted insurance broker in Singapore
Top SME insurance brokers sourcing providers

WHAT'S IN IT FOR HR & FINANCE?

Independent Insurance Broker That Compares Providers & Premiums

Instead of juggling endless quotations and complex benchmarking, let us do the heavy lifting. We analyse the options, highlight the differences, and recommend what best protects both your employees and your budget.

HOW ELSE ARE WE DIFFERENT?

Solution Provider that Works for HR, Finance & Employees

Insurance is more than a policy—it’s about providing assurance & solutions for the people & businesses. From health and wellness programmes to workplace safety protection to credit or liability risks.  We ensure your employees, finances and cashflow are protected at every stage.

 
Employee wellness and safety insurance support

Experience

Positive HR & Employee Experience

1 business day response, 1 to 1 benefits walkthroughs and wellness activities—we’ve got you covered with no additional charges.

AWARDS & RECOGNITION

Recognized Insurance Broker in Singapore with Proven Industry Awards

Licensed and regulated by the Monetary Authority of Singapore (MAS) since 2015
IHRP (Institute of Human Resource Professional) CP

2019-2025 Top Insurance Broker

2019 Best New Comer

2018 Rising Star

2015 Most Improved Advisor

 
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2019-2025 Top insurance broker award badge

Customer's Testimonials on
Our Professional Services

I’ve had the privilege of working with David both as a client and as a personal friends. His professionalism and client-first approach truly stand out. He provides exceptional guidance on company group insurance plans, supports employees through the claims process, and ensures annual reviews and renewals are handled seamlessly. What I appreciate most is his approachable nature and commitment to understanding each client’s needs before recommending the best solutions.
Cecilia T.
David and his team provide effective and timely support for employee medical benefits and insurance. They are responsive, reliable and a pleasure to work with. Look forward to continuing this strong partnership.
Natalie O.
I have worked with David for about 4 years. He has displayed utmost professionalism in his work. David will always make time for others and has gone extra miles to customise a suitable health package especially for us! He also imparts information, advice to anyone who reaches out to him and shares a very strong commitment at work that I cannot comment more than enough.
Jolene K.
Office & HR Manager
I had the privilege of working with David Ho as our company’s insurance broker, and I cannot recommend him highly enough. From our very first conversation, David impressed me with his professionalism, deep expertise, and genuine commitment to understanding our needs. He took the time to assess our unique requirements, ensuring we were comprehensively covered without unnecessary extras.David has a rare gift for breaking down complex policies into clear, actionable information, making the process seamless and stress-free for everyone involved. His meticulous attention to detail, swift follow-ups, and dedication to delivering the best possible solutions gave us complete peace of mind.What truly sets David apart is his ability to pair technical excellence with warmth, integrity, and a client-first mindset. He consistently goes above and beyond, creating tailored solutions that balance organisational objectives with individual needs. Working with him was not only efficient and effective but also a genuinely enjoyable experience.
Bhavani K.
Human Resources Business Partner
I had the pleasure of working with David as our company’s insurance broker, and I can’t recommend him highly enough. From the very first conversation, he was incredibly helpful, thorough, and personable — taking the time to understand our unique needs and ensuring we were fully covered without being over-insured.He explained complex policies in a way that made sense to everyone on the team, and his attention to detail gave us real peace of mind. No question was too small, and he always followed through promptly, with clarity and warmth.David made what could have been a stressful process feel seamless. If you’re looking for a broker who truly goes above and beyond with both professionalism and heart, he’s the person for you.
Tavia L.
HR Generalist
I've known David for some years and worked with him recently on employee insurance benefits program for the company. David and his team have impressed me with their customer service and would go the extra mile providing support whenever it is needed. Working with David has been a pleasant journey and his professionalism and industry knowledge is highly commendable. Thank you David and team!
Jasmine W.
IHRP-CP | HR Business Partner
David is a real professional and I would wholeheartedly recommend him as an insurance consultant.
Frank Y.
Managing Director
David has displayed a high level of professionalism and show excellent initiative in all the times I have worked with him. He has also shown a good deal of responsibility and prompt follow-up in all of these instances. It was a pleasure working with him.
Belinda Y.
Director
I am offering my highest recommendation for the exceptional service provided by David Ho and his team. Having had the pleasure of engaging with him for corporate health insurances for our Leaders, I can attest to his dedication to excellence and commitment to customer satisfaction.David Ho consistently goes above and beyond to deliver results that not only meet but exceed expectations. He possesses a unique combination of expertise, professionalism, and genuine care for the needs of us as clients, ensuring that every interaction is characterised by efficiency, effectiveness, and integrity.
Jennifer L.
Global HR Director
I have worked and engaged with David’s company since my first in-house HR role in 2017. Since engaging his services in 2017, I have introduced and endorsed his service for the last 2 organisations that I’ve worked with. He is not only professional and approachable but helpful in ensuring that my team and I are updated with the current policies and government regulations.He and his team is solution-oriented yet providing personalized service.
Madel M.
Senior Manager for People and Culture
David’s response time to all queries, quotations etc has always been the shortest in comparison to the many brokers & agents I’ve come across. He has a team who respond equally (if not better) when it comes to the claims as well, ensuring little to no delays.
Annie L.
Group Human Resources Director
I’ve known David for more than 5 years. Although my company is unable to get his services, he continuously touch base to know how our business is going. We discuss about work, the market condition and everything under the sun. I trusted him well enough to even talk about my personal life and family. He is someone that will go the extra mile, very thoughtful and highly capable to support any organisation requiring his services. This is my way of thanking you for your relentless efforts through these years! Take care.
Frecy B.
Head of Human Resource and Corporate Services
David and I started working together as part of expansion into APAC and has helped Next Gen tremendous in establishing core insurance needs for the region. David and his team are truly passionate and experienced in what they do and helping many clients in supporting them in the region. It’s been an absolute pleasure to be working with David and his team and would do so again in the future, highly recommended!
Eveliene W.
Head of Human Resources
It was a great experience working with David and his team. I want to specifically thank Ross for assisting in the answering of all my questions as well as handling the transferring of members/entity name as my company was just acquired. The team was professional and quick in their responsive time. Communication was clear and follow up was timely. Really appreciate the excellent service!
Josephine C.
People Partner
I got introduced to David Ho several years back when we were struggling with the Company’s Health Insurance plan for our Dubai Office and employees. David was able to put forward suggestions and options with clarity and completeness and made it a more manageable process for the team in Singapore. Understanding the regulatory environment of other geographies and the UAE in particular, was simplified for understanding and smoothened the decision making process. David was always able to draw an analogy to present complex structures in simple terms. His presentation skills became creative during the pandemic with video presentations at a click.
Vasugi S.
Human Resources Director
David and his team members are always prompt when we have any request. And since we engaged David, the service level improved significantly. I also appreciate David took the effort to coordinate employee briefing on our group insurance coverage partnering AIA. It helped our employees to understand their coverage better and migrated the claim process online. In return, this reduced processing time on an administrative team, like HR and finance.
Christina T.
Head of HR
David has impressed me with his knowledge and smooth facilitation of our employee insurances and product liability matters. His responsiveness, foresight in helping business to ensure we have the risk assessed and with sustainable programs, are commendable.
Cecilia N.
Head of Human Resources

OUR SERVICES

Business Insurance Cover
for SMEs and Enterprises
in Singapore

At David Ho Insurance Brokerage, we specialize in crafting personalized insurance solutions designed to safeguard businesses in Singapore and their employees. Our professional insurance broker services include:

Employee Insurance

  • Term Life, Critical Illness, Personal Accident
  • Hospital & Surgical Major Medical
  • General Practitioner & Specialist
  • Dental, Check up & Vision
  • Travel
  • Maternity
  • International Insurance
  • Foreign Worker Bond
Employees smiling with workplace insurance solutions

Liability, Property & Casualty

  • Trade Credit Risks
  • Directors & Officers
  • Medical Malpractice
  • Product Liability
  • Professional Indemnity
  • Cyber Risk
  • All Risks
  • Performance Bond
  • Workman Injury Compensation
  • Business Interruption
  • Computer
  • Fire
  • Money
  • Plate Glass
  • Public Liability
  • Office Insurance
Workers covered by workplace injury insurance Singapore

Look no further, we are the broker for you!

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About

Licensed & Regulated Insurance Broker in Singapore

At David Ho Team, we are a licensed and regulated insurance broker in Singapore in accordance with the guidelines set by the Monetary Authority of Singapore (MAS), ensuring our advisory process meets professional and regulatory standards.

With years of experience supporting Start Ups, SMEs and MNCs, we have built a reputation for being responsive, dependable, and easy to work with. Our role as an insurance broker is to support HR and Finance teams with clear comparisons across insurers, fair premium structures, and hands-on claims assistance, so you can make confident and well-informed decisions for your organization and your employees.

We believe actions speaks louder than words.  Start a conversation with us to experience the difference in service & price.

 
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Is David Ho Team the Right Insurance Broker for My Organization?

3 Simple Questions to Decide

  1. 1. Do I value prompt & accurate support?

    We know that timely support is critical when businesses need answers. That’s why we commit to responding within 1 business day — ensuring you never feel left waiting.

  2. 2. Do I want clarity when comparing premiums and providers?

    Insurance decisions can be complex. We provide side-by-side comparisons and transparent benchmarking so you have the information you need to make confident, informed choices.

  3. 3. Do I want assurance and positive experience?

    Please read the testimonials reflect the trust we’ve built over the years!  We prefer to let our customers speak about us!

If these answers resonate with you, our team may be the right partner to support your organization’s insurance journey.

 
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FAQs About Our Business Insurance Broker Services in Singapore

Your questions answered about our insurance services and how we can assist you.

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In Singapore, Work Injury Compensation (WICA) insurance is mandatory for manual workers and non-manual employees earning up to SGD 2,600 per month. Commercial motor insurance is required for company vehicles. Public liability coverage is not legally mandated but is strongly recommended for businesses that serve customers on-site.

At David Ho, we specialize in a full suite of business insurance plans tailored for Singapore companies. Our core expertise includes:
• Employee Medical Benefits & Group Health Insurance.
• WICA Insurance (Work Injury Compensation).
• Group Personal Accident Insurance.
• Flexible Benefits Plans.

All solutions are customized to meet local compliance and budget requirements.

Yes. We support businesses of every size. Whether you are a startup with 5 employees or a growing SME, we can structure a cost-effective package that scales with you. We understand the budget constraints of small businesses and ensure you get essential coverage like WICA and basic medical without overpaying for unnecessary add-ons.

An independent insurance broker in Singapore compares policies across multiple licensed insurers, giving businesses access to broader coverage options and more competitive premiums than going direct.

 

  1. Insurers sell their own products. A broker works for you, not the insurer.
  2. Brokers compare premiums and coverage terms across providers, useful for SMEs without an in-house risk team.
  3. In Singapore, broker services for standard coverage are paid by the insurer through commission at no direct cost to you.
  4. For complex needs, brokers manage claims documentation, follow up with insurers, and negotiate on your behalf.
  5. Our team is fully independent, no insurer affiliation, every recommendation is based on what fits your business.

When you work with an insurance broker in Singapore, the broker manages the entire claims process on your behalf, from filing to settlement. Here are the steps:

 

  1. Notify your broker of the incident as soon as it occurs.  (If you are one of our customers, our team is on 24/7 standby for emergency situations.)
  2. Your broker reviews the claim and confirms coverage under your policy.
  3. We handle all insurer correspondence, document submission, and follow-up.
  4. Your broker negotiates with the insurer for a fair and timely settlement.
  5. Settlement is paid directly to claimants.

Yes, the process is seamless. We can facilitate a “Broker of Record” transfer, allowing us to take over the management of your existing policies immediately. Alternatively, we can review your current renewal terms and help you tender for a better provider. We ensure there is no lapse in coverage during the transition.

Our Trusted Partners

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60 Paya Lebar Rd S409051

team@davidho.sg

+65-63030556

 
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