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Prerequisites


Bars and discotheques
Nightclubs
Karaoke lounges and pubs
Push-carts
Mobile kiosks
Coffee shops
Wet/Dry markets
Hawker centres
Floating restaurants
 

This plan does not cover risks:
Outside of Singapore with exception of the Personal Accident section.
Premises not of brick/tile/concrete construction.
Property kept in open or without perimeter fence and/or security outside business hours.

Spectra Food & Beverage


FOOD & BEVERAGE

Property Information

Coverage Details

Section 1 - All Risks
(Excess: $300 each and every loss except fire, lightning & explosion)
$150,000.00
- Plate Glass Cover up to 5% of Sum Insured
- Full Theft Cover up to S$50,000
- Deterioration of Stocks Extension - up to sub-limit as shown
Section 5 - Public Liability
$1,000,000.00
- Food & Drinks Extension -up to sub-limit as shown
$250,000.00
- Liquor Liability Extension -up to sub-limit as shown
$250,000.00
Section 10 - Work Injury Compensation
**Definition of Annual Wages
The annual wages, salaries and other monetary earnings must consist of the normal wages, food and housing allowances, overtime payments, bonuses and annual wages supplements but excluding travelling allowances and employers' CPF contributions.
CATEGORY
HEADCOUNT(Basic)
HEADCOUNT(Additional)
TOTAL EST. ANNUAL WAGES **
Employee with annual wages $42,000 and below (per employee)
Employee with annual wages above $42,000 (per employee)
 

Admin/Management
Kitchen/Waiter/Cleaner
All other Indoor Staff
Despatch/Driver/Catering
All other Outdoor Staff
Total