Spectra Retail

call 65 6461 6555 or Email us at [email protected]

Wherever you travel, pack some peace of mind.

Spectra Retail Insurance

If you have a shop selling consumer products, you can count on Spectra Retail to protect your shop against the unexpected. It’s always better to be prepared. We even cover retail shops with food and beverage dining extension. 


All Risks

Covers accidental physical loss of or damage to your property, which include Renovation, Improvements, Furniture, Fixtures & Fittings, Equipment, Stock in Trade (except Office Package) as well as Plate Glass. Deterioration of Stocks kept in refrigeration units contained in your premises up to limit allowed according to the Plan applicable to your business. Property and goods displayed at designated outdoor display area where allowed and approved by the relevant authorities.

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. Extension to cover closure of your business by the relevant public authorities consequent upon poisoning directly caused by the consumption of food or drink provided at the insured premises.


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. 


Protects 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 

Take care of  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 you 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. Please complete the Work Injury Compensation Insurance declaration form.


  • Covers up to $10,000 for Outdoor Display Area
  • Automatic increase of money limit by 50% up to $5,000 any one loss for 3 consecutive days immediately after Chinese New Year, Hari Raya Puasa, Deepavali and Christmas Day
  • 10% No Claim Discount* on renewal.(not applicable to WICI)
  • 10% Chain Discount off the first year premium for 3 or more policies.


  • Jewellery & time pieces exceeding S$750 per article
  • Mobile phones, tablets and accessories
  • Antiques and collectibles
  • Coins and currency notes
  • Works of art and sculptures
  • Stamps, precious stones/metals
  • Second hand and used goods
  • Building and construction materials
  • Livestock
  • Alcohol & tobacco
  • Joss sticks and joss papers
  • Paints and varnishes
  • Flammable and hazardous products
  • Computer components including integrated circuit chips
  • Battery and tyres workshops
  • Nurseries and landscaping
  • Motor showrooms
  • Money changers
  • Pawn shops
  • Petrol station/kiosks
  • Repair workshops


This plan does not cover risks:

  • Shops situated in a wet/dry market
  • Involving manual work outside of Insured's own premises except for the purpose of delivery of goods only
  • Outside of Singapore with exception of the Personal Accident section
  • Premises not of brick /tile /concrete construction
  • Property kept in the open or without perimeter fence and/or security outside business hours

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 contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)


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.