The Office of Insurance Commissioner says SME owners should first list their business risks, decide which to keep and which to transfer to insurance, and not choose policies on premium alone. The SME Package bundles building, stock, machinery, business-interruption income loss, theft, cash, glass, third-party liability and personal accident cover in one policy. Check whether your business type needs compulsory insurance, such as travel agencies, building-related cover, or passenger boats. The article gives no new rules, prices or deadlines.