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Key Benefits
1
Combines various classes of insurance under one policy
2
Easy to arrange
3
Competitive premium terms
4
Chain Discount with 3 or more shops
5
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
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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 burglaryS$75,000 S$150,000 - Section 2 - Consequential Loss
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Consequential Loss
Excess: 3 days by order of a public authorityS$10,000 S$20,000 - Section 3 - Rental Expenses
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Rental Expenses S$10,000 S$20,000 - Section 4 - Money Insurance
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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
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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
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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
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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)
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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
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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 burglaryS$40.89 for every S$25,000 S$1,000,000 - Section 2 - Consequential Loss
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Top-up Plan from Plan B Top-up Rates
Maximum Sum Insured Limit
Consequential Loss
Excess: 3 days by order of a public authorityN.A. N.A. - Section 3 - Rental Expenses
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Top-up Plan from Plan B Top-up Rates
Maximum Sum Insured Limit
Rental Expenses N.A. N.A. - Section 4 - Money Insurance
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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
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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
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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
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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.
1 All 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
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Optional Coverage Sum Insured/Headcount Top-up Rates Non-manual employees
Admin/accounts/management/cashiers/marketing/salesEarning ≤ S$30,000
Earning > S$30,000 up to S$75,000S$32.70 per employee
S$59.95 per employeeManual employees
Beauticians/masseurs or masseuses/cleanersEarning ≤ S$30,000
Earning > S$30,000 up to S$75,000S$65.40 per employee
S$109.00 per employeeDriver/Dispatch/Delivery Earning ≤ S$50,000 S$218.00 per employee - Fidelity Guarantee3
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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
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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
2 Work 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
3 Fidelity Guarantee
- This section will need to be taken together with the Work Injury Compensation section
- Please declare occupation and headcount
4 Actual annual wages per category at the inception of the policy year
Notes
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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
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Covered Services
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The sum insured on Section 1–All Risks must represent the:
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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
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If you have a chain of 3 or more shops insured with us, you will enjoy the following Chain Store Discount from gross premium
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You will enjoy the following No Claim Discount (after any Chain Store Discount) if you continue to insure with us:
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The covers and premiums indicated are not available for the following:
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Policy Owners’ Protection Scheme
