Product
The risk intelligence layer for SEA SMEs.
Opal turns twelve business inputs into one score, three gaps in SGD, and Zurich-aligned guidance — pre-claim visibility, not a claims or repair app.
Illustrative product UI — your live score starts at Get Score
A single number the whole business can rally around.
0 to 100 across cyber, liability, property, employer, and business interruption. Higher is safer. Every movement traces to a driver — no black box.
Coverage gaps quantified in SGD, ranked by exposure.
Guide to the right protection — not a marketplace.
Each gap maps to a Zurich-aligned product label with estimated cover and premium ranges. Advisor handoff captures the warm lead — Opal does not file or settle claims.
- · Cyber · supply chain · assets themes (Zurich problem alignment)
- · Plain-English gap narrative
- · Catalog status marked for local validation
SGD 99/mo keeps the score current.
When headcount, revenue, or digital footprint changes, OPAL rescores and emails the delta. Stripe Checkout is live on the monitoring page.
Built for GFH 2026 · Zurich Problem 3
Closing the SME Protection Gap: see exposure and coverage gaps before a claim is denied. Singapore SMEs ≈ 369,500 (SingStat 2025). ASEAN MSME insurance <5% (UNDP). CSA: phishing +49%, ransomware +21% (2024/25).