Test your flood risk.
Then get covered.
BSafe’s free Disaster Simulator shows you exactly what a flood would do to your shop, then matches you with a “Special Perils” quote from our partner insurers. No guessing, no overpaying for cover you don’t need.
Free to try. No obligation to buy.
Built for shops like yours.
Ground-floor retail comes in many forms — here’s how flood risk shows up across the shop types BSafe is built to protect.
- Pharmacies
Cold-chain stock and records, right at ground level.
- Electrical shops
High-value units sit on the lowest shelves.
- Hardware stores
Bulk inventory stored low, exposed first.
- Auto-parts retailers
Parts and fluids kept near the floor.
- Mini-markets
Fast-turning stock, just as fast to flood.
- Specialty chains
One flooded outlet, felt across the chain.
Estimated Special Perils premium · ground-floor shop
RM18,400
Illustrative estimate, not an insurer’s quote. Tap a step to toggle it and watch the total recalculate.
Get an indicative price →Why shop owners start with BSafe.
Understand what is at risk before the unexpected happens.
- Step 1
See where losses could happen.
Upload your floor plan, position your stock and equipment, and use the Disaster Simulator to explore how a simulated flood could affect different parts of your shop.
- Step 2
Know what to protect first.
Identify high-value stock, essential equipment and important records that may need attention first — while keeping staff safety and evacuation non-negotiable.
- Step 3
Earn a lower premium, not a blanket rate.
The same floor plan, stock and safety data you've verified feeds straight into your quotation request — so real preparation can translate into real savings on your Special Perils premium.
- Step 4
Prepare for more than flood.
Start with the flood simulator today. BSafe is designed to support additional hazard and business-continuity simulators in the future, giving businesses one place to understand risks and explore appropriate protection.
The Disaster Simulator uses synthetic assumptions for awareness and continuity planning. It not an engineering assessment, safety certification, insurance recommendation, or guarantee of coverage or premium.
Test your shop against a real flood, for free.
Add your shop’s floor plan and watch water rise the way Malaysia’s flood-warning scenarios actually play out. See which shelves are at risk, how much stock you’d lose, and what to move first — before you buy a single policy.
Free tool · About 5 minutes
- 1Add your shop's stock and floor plan
- 2Watch the flood simulation run
- 3Get matched with a real quote
Run the flood drill
Water rises through a shop floor while you decide what to move and in what order. It is the same question your protection score answers — how much you lose depends on what sits low, and how long you have.
Downloads about 24 MB · runs in your browser · best on a laptop
A training drill built on synthetic data. It is not a flood forecast, not a safety or emergency-planning tool, and nothing in it predicts what would happen to your shop.
Real shop owners, real results.
Malaysian business premises lost RM13.4 million to flood in 2025 — and 70% of ground-floor retailers still carry no “Special Perils” cover. We tested whether seeing the risk first actually changes that.
- 25
- Ground-floor retailers tested in high-risk flood zones across the Klang Valley.
- 18
- Said they'd underestimated how fast rising water destroys stock, until they saw the simulation.
- 60%
- Asked for an insurance quote immediately after finishing the simulation.
Sources: NADMA’s report of DOSM figures (2025 flood-loss total); BSafe’s own market research (coverage-gap figure) and pilot test.
From free simulation to a real policy.
Typically done in one sitting, before you ever talk to an agent.
- 1Add your shop.Quick details about your stock, fixtures, and floor plan.
- 2Run the simulator.See exactly how a flood would hit your shelves and stock.
- 3Get matched.Compare real “Special Perils” quotes from our partner insurers.
- 4Stay covered.If disaster hits, your simulator data becomes your claims evidence.
More perils, coming to the simulator.
Flood is live in the simulator today. Fire, storm, landslide, and earthquake support is next — none of it is built yet, it’s the direction validated by what shop owners, insurers, and brokers tell us they need.
- Fire, storm, landslide & earthquake simulation
- Instant quote matching
- BNM Perlindungan Tenang alignment
- BOMBA & dam-sensor data
- Google Flood Hub integration
- Mobile app
On the roadmapReady to see your risk?
It’s free, it takes about five minutes, and it shows you exactly what a flood would do to your shop.