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BeautyCare
Carefully groomed, beautifully covered
Key Benefits
Coverage and satisfaction which is not just skin deep
As a beauty and wellness business owner, you have worked hard to provide excellent services that meet your customers' expectations. Let BeautyCare help protect your business against financial losses arising from unforeseen accidents. Insure with BeautyCare so you can concentrate on pampering your customers to make them keep coming back for your services.
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Combines various classes of insurance under one policy
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Easy to arrange
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Competitive premium terms
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Chain Discount with 3 or more shops
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Further discounts given for clean claims record
We got your needs covered
Compare our plans in detail, you’ll definitely find something that suits you
| Description of Benefits |
Plan A Sum Insured |
Plan B Sum Insured |
|---|
- Section 1 - All Risks1
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
All Risks1
Excess: S$200 each and every loss except for fire, lightning and burglaryS$75,000 S$150,000 1All 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
- Section 2 - Consequential Loss
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Consequential Loss
Excess: 3 days by order of a public authorityS$10,000 S$20,000 - Section 3 - Rental Expenses
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Rental Expenses S$10,000 S$20,000 - Section 4 - Money Insurance
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
In transit S$2,000 S$3,000 In premises during business hours S$2,000 S$3,000 In locked safes after business hours S$2,000 S$3,000 In locked drawers after business hours S$500 S$1,000 - Section 5 - Personal Accident
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Personal Accident S$50,000 S$50,000 - Section 6 - Public Liability and Food & Beverage Extension
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Public Liability
(Any one accident/unlimited any one period)
Excess: S$1,000 each and every loss in respect of water damageS$250,000 S$500,000 Food & Beverage Extension
(Any one loss and in the aggregate)S$50,000 S$50,000 - Section 7 - Goods-in-Transit
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Goods-in-Transit
(Any one loss and in the aggregate)S$2,000 S$2,000 - Annual Premiums (includes prevailing GST)
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Description of Benefits Plan A Sum Insured
Plan B Sum Insured
Annual Premium S$230.05 S$337.05
| Top Up Plan from Plan B | Top Up Rates | Max Sum Insured Limit |
|---|
- Section 1 - All Risks1
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
All Risks1
Excess: S$200 each and every loss except for fire, lightning and burglaryS$40.13 for every S$25,000 S$1,000,000 1All 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
- Section 2 - Consequential Loss
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
Consequential Loss
Excess: 3 days by order of a public authorityN.A. N.A. - Section 3 - Rental Expenses
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
Rental Expenses N.A. N.A. - Section 4 - Money Insurance
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
In transit S$5.35 for every S$500 S$10,000 In premises during business hours S$5.35 for every S$500 S$10,000 In locked safes after business hours S$5.35 for every S$500 S$10,000 In locked drawers after business hours S$5.35 for every S$500 S$3,000 - Section 5 - Personal Accident
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
Personal Accident N.A. N.A. - Section 6 - Public Liability and Food & Beverage Extension
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
Public Liability
(Any one accident/unlimited any one period)
Excess: S$1,000 each and every loss in respect of water damageS$32.10 for every S$250,000 S$3,000,000 Food & Beverage Extension
(Any one loss and in the aggregate)S$26.75 for every S$50,000 S$100,000 - Section 7 - Goods-in-Transit
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Top Up Plan from Plan B Top Up Rates
Max Sum Insured Limit
Goods-in-Transit (Any one loss and in the aggregate) N.A. N.A.
| Optional Coverage | Sum Insured/Headcount | Top Up Rates |
|---|
- Work Injury Compensation2
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Optional Coverage Sum Insured/Headcount Top Up Rates Non-manual employees
Admin/accounts/management/cashiers/marketing/salesEarning ≤ S$30,000
Earning > S$30,000S$32.10 per employee
S$58.85 per employeeManual employees
Beauticians/masseurs or masseuses/cleanersEarning ≤ S$30,000
Earning > S$30,000S$64.20 per employee
S$107.00 per employeeDriver/Dispatch/Delivery Earning ≤ S$30,000 S$214.00 per employee 2Work Injury Compensation
- Please declare occupation, headcount and Actual^ annual wages per Category. Actual^ 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 specifically agreed upon
^Actual annual wages per category at the inception of policy year
- Fidelity Guarantee3
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Optional Coverage Sum Insured/Headcount Top Up Rates Any one employee and in the aggregate
This section will need to be taken together with the Work Injury Compensation sectionS$2,000 S$10.70 per employee 3Fidelity Guarantee
- Please declare occupation and headcount
- Deterioration of Stocks
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Optional Coverage Sum Insured/Headcount Top Up Rates 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
Notes
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This package is suitable for businesses engaged in beauty/hair care, hair loss treatment, health centres, spas, massage, reflexology, aromatherapy, slimming centres, pedicures and manicures
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Covered Services
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The sum insured on Section 1–All Risks must represent the:
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The sum insured under Section 1 - All Risks and Section 4 - Money Insurance are automatically increased by 25% for the two weeks prior to Chinese New Year, Hari Raya Puasa, Deepavali and Christmas Day
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If you have a chain of 3 or more shops insured with us, you will enjoy the following Chain Store Discount from gross premium
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You will enjoy the following No Claim Discount (after any Chain Store Discount) if you continue to insure with us:
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The covers and premiums indicated are not available for the following:
