Product Description

A comprehensive and flexible package for small and medium-sized businesses. Suitable for Office, Service, Retail and Food & Beverage businesses.

Key features

  • Business Plus features 8 essential covers, with the option for you to add more benefits.

Basic Plan

Protect your assets

ALL Risks

Covers accidental damage, Fire and Theft of your assets including

  • Auto increase for Sum Insured on Stock in Trade by 20% for 2 weeks prior to Festive
  • Loss of rent payable New
  • Plate Glass New
  • Inland Transit cover up to $5,000 New
  • Building (Optional) New



Covers loss of Money in the premises and whilst in transit anywhere in Singapore including

  • After business hours in locked safe or drawer
  • Kept overnight in Proprietor’s, Partner’s or Director’s residence in locked safe or drawer up to $5,000
  • $5,000 Personal Accident benefits following robbery or hold up New


Protect your operations

Business Interruption


  • Additional increased cost of working up to 100 days
  • Recompiling records
  • Increased cost of work as a result of electronic equipment interruption New


Public Liability

Cover your legal liability to Third Parties in connection with your business operation in Singapore including

  • Food and drink poisoning at premises
  • Treatment Risks for hairdresser and beauty salon New


Protect your employees

Work Injury Compensation

Covers your legal liability for death and bodily injury to employees under Work Injury Compensation Act or at Common Law (Common Law Limit: $10 million any one claim or series arising out of one event.)

  • On Headcount basis (Headcount and Annual Earnings to be declared) New


Personal Accident

Covers compensation for accidental death or injury to Insured employees.

  • Death / Permanent Total Disablement
  • Medical Expenses up to $1,000
  • Terrorism (Excluding Biological, Chemical Agent or Nuclear Devise)
  • 50% of benefit cover (including Medical Expenses up to $500) for aged 71 to 75 subject to satisfactory health declaration New
  • Cover up to 20 employees New



Deterioration of Stocks
Covers deterioration of refrigerated or frozen stock due to accidental failure of your cold chambers or refrigeration units

Goods in Transits
Covers damage to stocks whilst in transit, loading and unloading within Singapore

Fire & Extraneous Perils for Building
50% discount on All Risk rate if you opted to insure building on Fire & Extraneous Perils instead of All Risk. The unit structure for this cover will be restricted to Fire and Extraneous Perils only

Fidelity Guarantee
Covers direct pecuniary losses sustained by acts of fraud or dishonesty committed by any insured employee

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