CafeCare

Key Benefits

Combines various classes of insurance under one policy

5% discount to be given if the risk location is within a shopping mall

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 - Restaurant	Plan A Sum Insured	Plan B Sum Insured

Section 1 - All Risks¹

Description of Benefits - Restaurant	Plan A Sum Insured	Plan B Sum Insured
All Risks¹ Excess: S$300 each and every loss except for fire, lightning and burglary	S$75,000	S$150,000

Section 2 - Consequential Loss

Description of Benefits - Restaurant	Plan A Sum Insured	Plan B Sum Insured
Consequential Loss Excess: 3 days by order of a public authority	S$20,000	S$30,000

Section 3 - Rental Expenses

Description of Benefits - Restaurant	Plan A Sum Insured	Plan B Sum Insured
Rental Expenses	S$20,000	S$30,000

Section 4 - Money Insurance

Description of Benefits - Restaurant	Plan A Sum Insured	Plan B Sum Insured
In transit	S$3,000	S$5,000
In premises during business hours	S$3,000	S$5,000
In locked safes after business hours	S$3,000	S$5,000
In locked drawers after business hours	S$1,000	S$2,000

Section 5 - Personal Accident

Description of Benefits - Restaurant	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 - Restaurant	Plan A Sum Insured	Plan B Sum Insured
Public Liability Any one accident/unlimited any one period	S$500,000	S$1,000,000
Food & Beverage Extension Any one loss and in the aggregate	S$50,000	S$50,000

Section 7 - Goods-in-Transit

Description of Benefits - Restaurant	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 - Restaurant	Plan A Sum Insured	Plan B Sum Insured
Annual Premium	S$407.66	S$587.51

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured

Section 1 - All Risks¹

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured
All Risks¹ Excess: S$300 each and every loss except for fire, lightning and burglary	S$15,000	S$30,000

Section 2 - Consequential Loss

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured
Consequential Loss Excess: 3 days by order of a public authority	S$5,000	S$10,000

Section 3 - Rental Expenses

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured
Rental Expenses	S$5,000	S$10,000

Section 4 - Money Insurance

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

Section 5 - Personal Accident

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured
Personal Accident	S$25,000	S$25,000

Section 6 - Public Liability and Food & Beverage Extension

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

Section 7 - Goods-in-Transit

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

Premiums (includes prevailing GST)

Description of Benefits - Food Stall	Plan A Sum Insured	Plan B Sum Insured
Annual Premium	S$227.81	S$347.71

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

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

Section 1 - All Risks¹

Top-up Plan from Plan B - Restaurant	Top-up Rates	Maximum Sum Insured Limit
All Risks¹ Excess: S$300 each and every loss except for fire, lightning and burglary	S$59.95 for every S$25,000	S$1,000,000

Section 2 - Consequential Loss

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

Section 4 - Money Insurance

Top-up Plan from Plan B - Restaurant	Top-up Rates	Maximum Sum Insured Limit
In transit	S$6.00 for every S$500	S$10,000
In premises during business hours	S$6.00 for every S$500	S$10,000
In locked safes after business hours	S$6.00 for every S$500	S$10,000
In locked drawers after business hours	S$6.00 for every S$500	S$3,000

Section 5 - Personal Accident

Top Up Plan from Plan B - Restaurant	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 - Restaurant	Top-up Rates	Maximum Sum Insured Limit
Public Liability (Any one accident/unlimited any one period)	S$59.95 for every S$500,000	S$5,000,000
Food & Beverage Extension (Any one loss and in the aggregate)	S$29.98 for every S$50,000	S$250,000

Section 7 - Goods-in-Transit

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

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

Section 1 - All Risks¹

Top-up Plan from Plan B - Food Stall	Top-up Rates	Maximum Sum Insured Limit
All Risks¹ Excess: S$300 each and every loss except for fire, lightning and burglary	S$11.99 for every S$5,000	S$1,000,000

Section 2 - Consequential Loss

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

Section 4 - Money Insurance

Top-up Plan from Plan B - Food Stall	Top-up Rates	Maximum Sum Insured Limit
In transit	S$6.00 for every S$500	S$10,000
In premises during business hours	S$6.00 for every S$500	S$10,000
In locked safes after business hours	S$6.00 for every S$500	S$10,000
In locked drawers after business hours	S$6.00 for every S$500	S$3,000

Section 5 - Personal Accident

Top-up Plan from Plan B - Food Stall	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 - Food Stall	Top-up Rates	Maximum Sum Insured Limit
Public Liability (Any one accident/unlimited any one period)	S$35.97 for every S$250,000	S$5,000,000
Food & Beverage Extension (Any one loss and in the aggregate)	S$29.98 for every S$50,000	S$250,000

Section 7 - Goods-in-Transit

Top-up Plan from Plan B - Food Stall	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 - Restaurant	Sum Insured/Headcount	Top-up Rates

Work Injury Compensation²

Optional Coverage - Restaurant	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$35.97 per employee S$65.95 per employee
Manual employees Chefs/cooks/waiters/waitresses/bartenders/service staff/captains/kitchen staff/cleaners	Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000	S$95.92 per employee S$131.89 per employee
Driver/Dispatch/Delivery	Earning ≤ S$50,000	S$239.80 per employee

Fidelity Guarantee³

Optional Coverage - Restaurant	Sum Insured/Headcount	Top-up Rates
Any one employee and in the aggregate	S$2,000	S$11.99 per employee

Deterioration of Stocks

Optional Coverage - Restaurant	Sum Insured/Headcount	Top-up Rates
Any one loss and in the aggregate	S$1,000	S$35.97 + S$11.99 per additional S$500 insured limit up to a maximum of S$5,000

Optional Coverage - Food Stall	Sum Insured/Headcount	Top-up Rates

Work Injury Compensation²

Optional Coverage - Food Stall	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$35.97 per employee S$65.95 per employee
Manual employees Chefs/cooks/waiters/waitresses/bartenders/service staff/captains/kitchen staff/cleaners	Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000	S$95.92 per employee S$131.89 per employee
Driver/Dispatch/Delivery	Earning ≤ S$50,000	S$239.80 per employee

Fidelity Guarantee³

Optional Coverage - Food Stall	Sum Insured/Headcount	Top-up Rates
Any one employee and in the aggregate	S$2,000	S$11.99 per employee

Deterioration of Stocks

Optional Coverage - Food Stall	Sum Insured/Headcount	Top-up Rates
Any one loss and in the aggregate	S$1,000	S$35.97 + S$11.99 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 Actual^ 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

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

Notes

Business type - definitions:
1. Restaurants are establishments with dining-in facilities, including outdoor refreshment area and outdoor catering service
2. Food Stall includes food kiosks/counters and stalls:
  i) In food courts/shopping centres (with no public access into the premises after business hours); or
  ii) In housing estate food centres and markets, public parks with public access into the premises after business hours. Co-insurance: 15% of loss in respect of Section 1
Section 1 - All Risks and Section 6 - Public Liability are extended to cover Outdoor Refreshment/Display Areas authorised for such use by the landlord and the relevant authorities
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 Trade
- Nightclubs, Discotheques, Karaoke lounges
- Pubs, Bars⁵
- Risks involving onboard vessels, offsite activities other than for delivery and catering services
Type of Premises/Construction
- Premises not of brick/tile/concrete construction
- Premises with property 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 business or sublet to other occupants
- Premises outside Singapore
⁵ 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).