Get a Quotation

Prerequisites

Spectra Food & Beverage


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.


FOOD & BEVERAGE

Light Industrial Area

Pre-War Shophouse


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 2 - Consequential Loss
(Up to 120 days)
$200 per day
- Closure due to Food & Drinks Poisoning
Section 3 - Money
(a) Money in Transit
$5,000.00
(b) Money in Premises
(Up to limit of $3,000 in locked drawers/ cabinets/ cash registers after business hours)
$5,000.00
(c) Money in proprietor's/ partner's/ director's residence kept in locked drawers/safes after business hours
$500.00
Section 4 - Personal Accident
On the life of named proprietor/partner(s)/ director(s) including employee(s) of Class 1 Occupation
Covered for two(2)
(a) Death/Permanent Disablement
$5,000.00
(b) Accidental Medical Expenses
$500.00
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 6 - Goods-In-Transit
$2,000.00
Section 7 - Legal Expenses
(Including reimbursement of legal expenses in respect of Personal Data Protection Act)
$2,000.00
Section 8 - Fire & Extraneous Perils on Building
Section 9 - Fidelity Guarantee
(Limit: $5,000 any one occurrence and in the aggregate)
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

Additional Information


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.

Preventive Measures Information

Fire Preventive System Of Premise

Security System Of Premises

Period of Insurance