Spectra Office

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Spectra Office Insurance

If your business is primarily involved in administrative work, then Spectra Office is what you need to meet your insurance needs. Let Spectra Office manages your risk exposures and protects your business and your employees.

Coverage

All Risks

Covers against accidental physical loss of or damage to your property insured, which may include Furniture, Fixtures & Fittings, Equipment, Stock in Trade as well as Plate Glass.

Consequential Loss

Pays daily cash up to 120 days during the period of business interruption resulting from fire and other perils to the insured premises.

Money 

Compensates you for the loss of money whilst in transit anywhere in Singapore or when it is kept within your business premises.

Personal Accident 

Provides 24 hours worldwide protection on the life of employer(s)/ employee(s) against death or permanent disability including medical expenses incurred in the event of an accident.

Public Liability 

Covers your legal liability for accidental bodily injury or property damage to a third party in connection with your business.

Goods-In-Transit 

Protects you against loss of or damage to insured property whilst in the course of transit by any vehicle owned by or hired by you.

Legal Expenses 

Covers your legal expenses incurred in connection with your business, including reimbursement of legal expenses in respect of Personal Data Protection Act. 

Fire and Extraneous Perils on Building 

Protects against loss or damage to the building structure as a result of fire, lightning, malicious damage and sprinkler leakage.

Fidelity Guarantee 

Eases your worries for losses arising from dishonest acts of your employees.

Work Injury Compensation 

Protects employees for work-related injuries and occupational diseases sustained in their course of work.

For full coverage (Spectra Office Brochure)

Features

  • Covers up to 3 employees under Work Injury Compensation with maximum annual wage of $42,000 per employee.
  • 10% No Claim Discount* on renewal.
  • 10% Chain Discount off the first year premium for 3 or more policies.

Important Notice

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 visit www.sompo.com.sg/FAQ or the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)


Disclaimer                                                                 

The product information detailed in this section does not outline all aspects of cover nor does this serve as an insurance contract. Please refer to a copy of our policy wording, which is available on request, for details of the coverage conditions and limits; or contact our Sompo authorised agent or your insurance broker for more details.

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