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Prerequisites

Spectra Service


Bars and discotheques
Nightclubs
Karaoke lounges and pubs
Massage parlours (unless accredited member of Spa Association Singapore)
Arcade games and billiard centres
Betting centres
Infant care centres i.e. below 18 months
Air-conditioning services
Cleaning services
Marriage and/or match making services
Pest control services
Private investigation services
Cosmetic and corrective surgery or treatment involving oral medication, injections, laser, implants, tattoos, body piercing and/or any other process involving the breaking or abrasion of human skin
Driving courses
Martial Arts courses
Water and/or Outdoor sports courses
 

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


SERVICE

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
Section 2 - Consequential Loss
(Up to 120 days)
$200 per day
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
(Excess: $350 all claims each & every loss)
$1,000,000.00
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
Cleaner
All other Indoor Staff
Driver/Despatch
All other Outdoor Staff
Total

Section 11 - Errors & Omissions
N/A
(Limit $15,000 any one occurrence and in the aggregate).
(Excess: 10% of loss subject to min $500 each & every loss)

Additional Information


Bars and discotheques
Nightclubs
Karaoke lounges and pubs
Massage parlours (unless accredited member of Spa Association Singapore)
Arcade games and billiard centres
Betting centres
Infant care centres i.e. below 18 months
Air-conditioning services
Cleaning services
Marriage and/or match making services
Pest control services
Private investigation services
Cosmetic and corrective surgery or treatment involving oral medication, injections, laser, implants, tattoos, body piercing and/or any other process involving the breaking or abrasion of human skin
Driving courses
Martial Arts courses
Water and/or Outdoor sports courses
 

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

Preventive Measures Information

Fire Preventive System Of Premise

Security System Of Premises

Period of Insurance