Disciplined approach to business insurance
Insurance decisions built for real operating risk, not assumptions.
NRM works with business owners and management teams who want clarity, discipline, and insurance structures that hold up in real claims, renewals, and regulatory situations.
WHAT WE DO
Focus blocks
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Employee Benefits & Medical Risk
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Group medical, outpatient, and employee benefit programs designed to behave predictably during claims, renewals, and cost pressure.
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Management and operational risk
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Insurance structured around decision-making and cross-border exposure, covering management liability, cyber risk, and the complexities of regional operations, foreign workers, and business travel.
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HOW WE THINK
Principles list
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We assess insurance based on real claim behavior, not brochure wording.
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We prioritize downside containment, cost predictability, and decision clarity.
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We separate compliance needs from genuine risk transfer.
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We work deliberately, with full context, not rushed comparisons.
Insurance is not a purchase. It is a risk decision that affects cash flow, people, and management time.
WHAT MAKES NRM DIFFERENT
Outcomes
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Fewer surprises during claims and renewals
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Clear understanding of what is covered, what is not, and why
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Better internal alignment between management, HR, and finance
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Insurance structures that support business continuity, not just compliance
WHO WE WORK BEST WITH
NRM works best with owners, directors, CFOs, and HR leaders who want to understand their insurance position clearly and make deliberate decisions.
About NRM Insurance Agency
NRM Insurance Agency Pte Ltd is a Singapore-based business insurance firm focused on corporate and employee risk.
Founded by Patrick Tan, NRM was built around a simple operating discipline: help businesses make fewer, better insurance decisions by understanding how coverage works in practice, not just in theory.
Today, NRM works closely with SMEs and growing companies across employee benefits, management liability, and operational risk.
If you are reviewing your insurance structure, we are available for a conversation.
No obligation. Just clarity.