BeautyCare

Key Benefits

Combines various classes of insurance under one policy

Easy to arrange

Competitive premium terms

Chain Discount with 3 or more shops

Further discounts given for clean claims record

We have got your needs covered

Compare our plans in detail, you’ll definitely find something that suits you

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured

Section 1 - All Risks¹

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
All Risks¹ Excess: S$200 each and every loss except for fire, lightning and burglary	S$75,000	S$150,000

Section 2 - Consequential Loss

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Consequential Loss Excess: 3 days by order of a public authority	S$10,000	S$20,000

Section 3 - Rental Expenses

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Rental Expenses	S$10,000	S$20,000

Section 4 - Money Insurance

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
In transit	S$2,000	S$3,000
In premises during business hours	S$2,000	S$3,000
In locked safes after business hours	S$2,000	S$3,000
In locked drawers after business hours	S$500	S$1,000

Section 5 - Personal Accident

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Personal Accident	S$50,000	S$50,000

Section 6 - Public Liability and Food & Beverage Extension

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Public Liability (Any one accident/unlimited any one period)	S$250,000	S$500,000
Food & Beverage Extension (Any one loss and in the aggregate)	S$50,000	S$50,000

Section 7 - Goods-in-Transit

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Goods-in-Transit (Any one loss and in the aggregate)	S$5,000	S$5,000

Annual Premiums (includes prevailing GST)

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Annual Premium	S$234.35	S$343.35

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit

Section 1 - All Risks¹

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
All Risks¹ Excess: S$200 each and every loss except for fire, lightning and burglary	S$40.89 for every S$25,000	S$1,000,000

Section 2 - Consequential Loss

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Consequential Loss Excess: 3 days by order of a public authority	N.A.	N.A.

Section 3 - Rental Expenses

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Rental Expenses	N.A.	N.A.

Section 4 - Money Insurance

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
In transit	S$5.45 for every S$500	S$10,000
In premises during business hours	S$5.45 for every S$500	S$10,000
In locked safes after business hours	S$5.45 for every S$500	S$10,000
In locked drawers after business hours	S$5.45 for every S$500	S$3,000

Section 5 - Personal Accident

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Personal Accident	N.A.	N.A.

Section 6 - Public Liability and Food & Beverage Extension

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Public Liability (Any one accident/unlimited any one period)	S$32.70 for every S$250,000	S$5,000,000
Food & Beverage Extension (Any one loss and in the aggregate)	S$27.25 for every S$50,000	S$100,000

Section 7 - Goods-in-Transit

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Goods-in-Transit (Any one loss and in the aggregate)	N.A.	N.A.

¹All Risks

Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims
Accidental breakage of plate glass up to S$25,000 any one loss and in the aggregate

Optional Coverage

Optional Coverage	Sum Insured/Headcount	Top-up Rates

Work Injury Compensation²

Optional Coverage	Sum Insured/Headcount	Top-up Rates
Non-manual employees Admin/accounts/management/cashiers/marketing/sales	Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000	S$32.70 per employee S$59.95 per employee
Manual employees Beauticians/masseurs or masseuses/cleaners	Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000	S$65.40 per employee S$109.00 per employee
Driver/Dispatch/Delivery	Earning ≤ S$50,000	S$218.00 per employee

Fidelity Guarantee³

Optional Coverage	Sum Insured/Headcount	Top-up Rates
Any one employee and in the aggregate	S$2,000	S$10.90 per employee

Deterioration of Stocks

Optional Coverage	Sum Insured/Headcount	Top-up Rates
Any one loss and in the aggregate	S$1,000	S$32.70 + S$10.90 per additional S$500 insured limit up to a maximum of S$5,000

²Work Injury Compensation

Please refer to separate underwriting for annual earnings above the stated amount
Please declare occupation, headcount, and Actual⁴ annual wages per Category. Actual⁴ annual wages consists of salary (including overtime pay), bonuses and allowances excluding transport allowance
The company shall not be liable for any claim arising from 2-wheelers/motorcycling (as rider or passenger) unless specifically agreed upon

³Fidelity Guarantee

This section will need to be taken together with the Work Injury Compensation section
Please declare occupation and headcount

⁴Actual annual wages per category at the inception of the policy year

Notes

This package is suitable for businesses engaged in beauty/hair care, hair loss treatment, health centres, spas, massage, reflexology, aromatherapy, slimming centres, pedicures and manicures
Covered Services
- aromatherapy
- hydrotherapy
- sauna/steam treatments
- massage
- reflexology
- hair treatment such as cutting, coloring, tinting, dyeing, perming, treating, drying, extending, conditioning, and bleaching
- beauty treatments such as waxing, facials, steam treatments, spray-on tanning, eyebrow tinting, plucking and shaping, eyelash perming and tinting, eyelash extension, pedicure, manicure, and electrolysis
Provided that the instrument(s) used for any of the Covered Services meet(s) the specified safety standards set out the Consumer Protection (Safety Requirements) Registration Scheme managed by SPRING Singapore and that any treatment under such Covered Services does not involve the breaking of or abrasion of the skin
The sum insured on Section 1–All Risks must represent the:
- Full reinstatement values for renovations/improvements
- Full replacement costs for contents other than stock-in-trade
- Market value for stock-in-trade
Without allowance for wear, tear and depreciation otherwise any claim settlement will be proportionately reduced
The sum insured under Section 1 - All Risks and Section 4 - Money Insurance are automatically increased by 25% for the two weeks prior to Chinese New Year, Hari Raya Puasa, Deepavali and Christmas Day
If you have a chain of 3 or more shops insured with us, you will enjoy the following Chain Store Discount from gross premium

Number of Outlets Discount

3 to 5 10%

6 or more 15%
You will enjoy the following No Claim Discount (after any Chain Store Discount) if you continue to insure with us:
- 10% of the gross premium on 1^st renewal if there were no claims during the preceding year
- 15% of the gross premium on 2^nd and subsequent renewals if there were no claims during the preceding 2 years
The covers and premiums indicated are not available for the following:
Types of Services
- Services not falling within the description of Covered Services. This will include, but not limited to any form of cosmetic surgery or any such like process, including implanting, injecting, tattooing and body piercing or any other process that involves the breaking or abrasion of skin electrolysis treatment where the instrument(s) used does (do) not meet the specified safety standards set out under the Consumer Protection (Safety Requirements) Registration Scheme managed by SPRING Singapore
- Traditional Chinese Medicine practice such as acupuncture, bone setting, physician (sinseh)
- Healthcare services like medical and dental clinics
- Risks involving onboard vessels, manufacturing, or production
- Any offsite contract works/activities other than for delivery, sales calls, meetings, non-manual/sedentary duties
Type of Premises/Construction
- Premises not of brick/tile/concrete construction
- Premises with properly kept in the open or without perimeter, fence or security
- Premises which are part of more extensive premises used mainly for industrial, manufacturing, assembly, warehousing or wholesale (including use as megastore retail outlets) purposes
- Pre-war premises
- Premises shared with other businesses or sublet to other occupants
- Premises outside Singapore
For such services or premises, please refer to the Company.

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).