ComGI exam 2026: a 3-week plan for commercial insurance
The ComGI exam is 50 questions in 75 minutes with a 70% pass mark. Who needs it, what each of the 9 chapters asks, and a three-week plan after BCP.
The ComGI exam, Commercial General Insurance, is 50 multiple-choice questions in 1 hour 15 minutes, and you pass with 35 right, which is 70%. Its 9 chapters each cover a different kind of business insurance, from property and business interruption to marine, bonds and foreign worker cover. Pass BCP first, as SCI advises, then give ComGI three weeks: one block of chapters a week, then full mocks.
The ComGI exam at a glance
| What | Detail |
|---|---|
| Format | 50 multiple-choice questions, closed book, on screen |
| Time | 1 hour 15 minutes, 90 seconds a question |
| Pass mark | 70%: 35 right, up to 15 wrong |
| Chapters | 9 areas of commercial cover |
| Fee | S$109.00 on a weekday before 5pm, S$119.90 after 5pm or at the weekend |
| Study time | SCI recommends at least 40 to 50 hours per module |
| After a pass | A result slip and 1.25 CPD hours |
The fee already includes GST and SCI's S$10.90 registration fee. Blank and wrong answers both score zero, so put something down for every question. Our ComGI format and pass mark guide breaks the scoring down further.
Who needs ComGI
SCI's Commercial General Insurance Certification is BCP plus ComGI. Under MAS Notices 211 and 502, you need it to sell or advise on business insurance, or to handle or advise on claims for it, whether you work for an agency, a broker, an insurer or a bank. The certification covers:
- property and business interruption insurance
- liability insurance
- commercial motor insurance
- marine and aviation insurance
- construction and engineering insurance, and insurance bonds
- pecuniary insurance
- foreign worker and group personal accident insurance
Pass BCP before you start
SCI calls BCP the foundation the other modules are built on, and ComGI questions take it as read. A question on a fire policy won't stop to explain indemnity, and a question on a cargo claim won't remind you what subrogation is. If you haven't sat BCP yet, our BCP study plan covers it in two weeks.
The nine chapters, and what each one asks
Property and business interruption
Property cover is the fire and all-risks policy for a business's buildings, stock and equipment. Learn how average works: when a property is insured for less than its value, a claim is cut back in proportion, which is how under-insurance hurts.
Business interruption sits on top of property cover and pays for the profit lost after insured damage stops the business. Its vocabulary is gross profit, the indemnity period and increased cost of working. Study these two chapters together, because the same fire triggers both claims, and BI questions often need a quick calculation.
Liability and contingency
The exam wants you to tell the liability covers apart. Public liability answers for injury or damage to third parties. Products liability answers for harm a product causes after it leaves the insured's hands. Professional indemnity answers for negligent advice or service. Then learn the two triggers: an occurrence policy responds to events during the policy period, while a claims-made policy responds to claims made during it. SCI's contents list it in two parts.
Commercial motor
The same structure as private motor, applied to goods vehicles, buses and fleets. Know how cover levels differ and how a fleet is treated as one risk.
Marine and aviation
Cargo, hull and aviation risks. The Institute Cargo Clauses carry the most questions: A is the widest cover, close to all risks, and B and C cover named perils only, each narrower than the last.
Construction, machinery and bonds
Contractors' All Risks covers a building project. Erection All Risks covers plant and machinery while it's being installed. Machinery breakdown cover takes over once it's running. The bonds section asks who guarantees what to whom, so draw the three parties for each bond until it's automatic.
Pecuniary insurance
Cover against financial loss rather than physical damage, mainly fidelity guarantee, which pays when an employee's dishonesty causes a loss, and credit insurance.
Foreign worker, group personal accident and corporate travel
The last two chapters are the shortest. Foreign worker cover deals with the medical and accident insurance employers buy for their foreign staff. Group personal accident and corporate travel cover a company's own people. They're quick marks if you read them closely in the final week.
A three-week ComGI study plan
At SCI's 40 to 50 hours, three weeks is roughly two hours a day with a longer session at weekends.
Week 1: property, business interruption and liability
These carry the most new ideas, so take them while you're fresh. Do the BI sums by hand until the steps are automatic.
Week 2: motor, marine and construction
Term-heavy chapters. Lean on practice questions here more than rereading, and keep a one-page sheet of the clause names and what each covers.
Week 3: the shorter chapters, then full mocks
Read pecuniary, foreign worker, group PA and corporate travel in the first half of the week. Then sit two or three full papers on the 75-minute clock, and spend the time between them on the chapters that cost you marks. Try our ComGI sample questions for commercial cover scenarios with worked answers.
On exam day
Ninety seconds a question is comfortable if you don't stall. When one stops you, answer it as best you can, keep going and come back with the minutes you save.
Read to the last word. Words like usually, must and shall decide answers in ComGI, and one of them can flip an option from right to wrong. Bring your own non-programmable calculator for the BI and property sums, since SCI provides none.
What a ComGI pass gets you
With BCP and ComGI, you hold SCI's Commercial General Insurance Certification. Pass PGI as well, which our PGI study plan covers, and you can use the designation Cert SCI (General Insurance).
Practise ComGI with a full mock
Our ComGI bank has 200+ questions over all 9 chapters, timed mocks of 50 questions in 75 minutes and an explanation on each answer. At the end of a mock, the results pick out up to three chapters below the pass mark, and retest mode brings back just the questions you missed. The ComGI page has a sample question, and you can start ComGI as a single paper.
Sources
- SCI, Certification in General Insurance: BCP, PGI and ComGI exam details, fees and policies, read 11 October 2026
- SCI, examination rules and regulations, version 2.5, read 11 October 2026
Practise ComGI now
200+ exam-style ComGI questions with instant explanations.
Frequently asked questions
Commercial General Insurance. It's the module that, with BCP, makes up SCI's Commercial General Insurance Certification, covering the insurance a business buys.
Yes. SCI calls BCP the foundation the other modules build on, and ComGI questions assume you already know principles like indemnity and subrogation.
50 multiple-choice questions in 1 hour 15 minutes. The pass mark is 70%, so you need 35 correct.
Yes, if you bring your own non-programmable one, because SCI provides none. It helps with the business interruption and property sums.
With BCP, ComGI gives you SCI's Commercial General Insurance Certification, covering property and business interruption, liability, commercial motor, marine and aviation, construction and engineering, bonds, pecuniary, foreign worker and group personal accident insurance.
