Business
Commercial & Business Insurance
- SME Business Package
- Fire Insurance
- Property All Risks
General Insurance · Singapore
Insurance is Assurance
Protect what matters most — practical cover for your business, people, and livelihood. Personal advice. Prompt response. Partnerships that last.
Trusted partnerships
Long-term relationships, not one-off policies
Answers the phone
Direct access to Andrew when you need help
Practical cover
Right-sized solutions for how you operate
Founder
Andrew Tay
General Insurance Professional
Meet Our Founder
A general insurance professional you can reach
With over 30 years in the insurance industry, Andrew Tay has helped countless individuals, families and businesses secure practical and reliable insurance solutions.
Andrew believes insurance is more than just a policy — it is peace of mind when you need it most. That’s why he is committed to being responsive and accessible, making it a priority to personally answer his clients’ calls and enquiries whenever possible.
Over the years, many clients have become trusted friends — a reflection of lasting relationships built on honesty, reliability, and genuine care.
We don’t simply provide insurance policies — we build trusted partnerships that last.
Simple process
From first call to peace of mind
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01
Tell us about your business
A quick conversation — WhatsApp, call, or email — about how you operate and what you need to protect.
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02
Get clear recommendations
Practical options explained in plain language. No jargon wall — just what fits your risks and budget.
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03
Stay supported
Ongoing service and claims support. When something happens, help is a phone call away.
Our General Insurance Solutions
Comprehensive protection for your business
From day-to-day operations to specialised risks — cover shaped around how your business actually works.
People
Employee Protection
- Work Injury Compensation (WICA)
- Group Medical Insurance
- Employee Benefits
Specialised
Liability & Specialised Insurance
- Public Liability
- Employers Liability
- Contractors All Risks
- Marine Cargo
Industries We Serve
Built for the businesses that keep Singapore moving
01
Food & Beverages
Restaurants, F&B operators, and hospitality risks
02
Small & Medium Enterprises
Practical packages for growing businesses
03
Construction & Contractors
Project and worksite protection you can rely on
04
Engineering & Wholesalers
Specialised cover for trade and industrial operations
Why Choose Goshen Financial?
Experience that answers the phone
Six reasons businesses stay with Andrew for years — not because of fine print, but because of trust.
30+ Years of Experience
Decades of practical market knowledge across general insurance lines.
Prompt & Responsive Service
Help is a phone call away — Andrew prioritises personal accessibility.
Strong Claims Support
Guidance when it matters most, not only at policy inception.
Professional Advice
Clear recommendations based on how your business actually operates.
Solutions Tailored to You
No one-size-fits-all packages — cover shaped around your risks.
Long-term Relationships
Clients who stay for years — because trust is earned, not claimed.
What Our Clients Say
Trusted by businesses across Singapore
Andrew takes time to understand our business before recommending the right insurance solutions. We always feel well looked after.
Restaurant Owner
Food & Beverage
Whenever we have questions or need assistance, help is just a phone call away. Very responsive and reliable.
Engineering Company Director
Engineering
Professional, trustworthy and always willing to go that extra mile. We have worked with Andrew for many years.
Contractor
Construction
Ready when you are
Let’s protect what matters most
One conversation. Clear options. A partner who picks up the phone.
Contact Us
Send an enquiry or reach Andrew directly
No automated queues — real advice, personal service. Tell us briefly about your business and the cover you need.
Goshen Financial Pte Ltd
Andrew Tay · Founder