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BeautyCare

Carefully groomed, beautifully covered

Coverage and satisfaction which is not just skin deep

Carefully groomed, beautifully covered

With increasing affluence, the demand for services to enhance one’s overall beauty and wellness has surged in recent years. In addition, customers have also become more discerning.

As a beauty and wellness business owner, you have worked hard to provide excellent services that meet your customers’ expectations. The last thing you want is to have all your efforts destroyed by unforeseen accidents that can drain you financially.

Let BeautyCare help protect your business against financial losses arising from unforeseen accidents. Be it loss of or damage to your property, death/injury to employees, claims from external parties, and more, we’ve got you covered. Insure with BeautyCare so you can concentrate on pampering your customers to make them keep coming back for your services.

Benefits at a Glance

  1. Combines various classes of insurance under one policy
  2. Easy to arrange
  3. Competitive premium terms
  4. Chain Discount with 3 or more shops
  5. Further discounts given for clean claims record

Summary of Benefits

Summary of Benefits
Optional Coverage

Summary of Benefits

Description of Benefits Plan A Plan B Top-Up Plan
(from Plan B)
Sum Insured Sum Insured Top-Up Rates Maximum Sum Insured Limit
Section 1 All Risks^
(Excess: S$200 each and every loss except for Fire, Lightning and Burglary)
S$75,000 S$150,000 S$40.13 for every
S$25,000
S$1,000,000
Section 2 Consequential Loss
(Excess: 3 days by order of a Public Authority)
S$10,000 S$20,000 N.A. N.A.
Section 3 Rental Expenses S$10,000 S$20,000 N.A. N.A.
Section 4 Money Insurance
a) In Transit S$2,000 S$3,000 S$5.35 for every S$500 S$10,000
b) In Premises During Business Hours S$2,000 S$3,000 S$5.35 for every S$500 S$10,000
c) In Locked Safe After Business Hours S$2,000 S$3,000 S$5.35 for every S$500 S$10,000
d) In Locked Drawers After Business Hours S$500 S$1,000 S$5.35 for every S$500 S$3,000
Section 5 Personal Accident S$50,000 S$50,000 N.A. N.A.
Section 6 Public Liability
(Any One Accident/Unlimited Any One Period)
(Excess: S$1,000 each and every loss in respect of water damage)
S$250,000 S$500,000 S$32.10 for every
S$250,000
S$3,000,000
Food & Beverage Extension
(Any One Loss and in the Aggregate)
S$50,000 S$50,000 S$26.75 for every
S$50,000
S$100,000
Section 7 Goods-in-Transit
(Any One Loss and in the Aggregate)
S$2,000 S$2,000 N.A. N.A.
Annual Premium S$230.05 S$337.05

Optional Coverage

Optional Coverage Sum Insured Top-Up Rates
Work Injury Compensation^
a) Non-Manual Employees
Admin/Accounts/Management/Cashiers/
Marketing/Sales
Compensation to your employees for death
or bodily injury arising out of and in the course of employment, including your liability at Common Law
S$32.10 per employee earning S$30,000 or less per annum or S$58.85 per employee earning above S$30,000 per annum
b) Manual Employees
Beauticians/Masseurs or Masseuse/Cleaners
S$64.20 per employee earning S$30,000 or less per annum or S$107 per employee earning above S$30,000 per annum
c) Driver/Dispatch/Delivery S$214 per employee
Fidelity Guarantee^
(Any One Employee and in the Aggregate)
S$2,000 S$10.70 per employee
Deterioration of Stocks
(Any One Loss and in the Aggregate)
S$1,000 S$32.10 + S$10.70 per additional S$500 insured limit up to a maximum of S$5,000
  • Premiums above include prevailing GST

 

^Work Injury Compensation
  • Please declare occupation, headcount and estimated annual wages per Category. Estimated Annual Wages consists of salary (including overtime pay), bonuses and allowances excluding transport allowance
  • The company shall not be liable for any claim arising from 2-wheelers/motorcycling (as rider or passenger) unless specificially agreed upon
^Fidelity Guarantee
  • Please declare occupation and headcount
^All Risks
  • Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims
  • Accidental breakage of plate glass up to S$25,000 any one loss and in the aggregate