Key Benefits

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

cafecare key benefits

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Compare our plans in detail, you’ll definitely find something that suits you

Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Section 1 - All Risks1
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

All Risks1
Excess: S$300 each and every loss except for fire, lightning and burglary
S$75,000 S$150,000
Section 2 - Consequential Loss
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Consequential Loss
Excess: 3 days by order of a public authority
S$20,000 S$30,000
Section 3 - Rental Expenses
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Rental Expenses S$20,000 S$30,000
Section 4 - Money Insurance
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

In transit S$3,000 S$5,000
In premises during business hours S$3,000 S$5,000
In locked safes after business hours S$3,000 S$5,000
In locked drawers after business hours S$1,000 S$2,000
Section 5 - Personal Accident
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Personal Accident S$50,000 S$50,000
Section 6 - Public Liability and Food & Beverage Extension
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Public Liability
Any one accident/unlimited any one period
S$500,000 S$1,000,000
Food & Beverage Extension
Any one loss and in the aggregate
S$50,000 S$50,000
Section 7 - Goods-in-Transit
Description of Benefits - Restaurant

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)
Description of Benefits - Restaurant

Plan A Sum Insured

Plan B Sum Insured

Annual Premium S$363.80 S$524.30

Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Section 1 - All Risks1
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

All Risks1
Excess: S$300 each and every loss except for fire, lightning and burglary
S$15,000 S$30,000
Section 2 - Consequential Loss
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Consequential Loss
Excess: 3 days by order of a public authority
S$5,000 S$10,000
Section 3 - Rental Expenses
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Rental Expenses S$5,000 S$10,000
Section 4 - Money Insurance
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

In Transit S$1,000 S$2,000
In premises during business hours S$1,000 S$2,000
In locked safes after business hours S$1,000 S$2,000
In locked drawers after business hours S$500 S$1,000
Section 5 - Personal Accident
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Personal Accident S$25,000 S$25,000
Section 6 - Public Liability and Food & Beverage Extension
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Public Liability
Any one accident/unlimited any one period
S$250,000 S$250,000
Food & Beverage Extension
Any one loss and in the aggregate
S$50,000 S$50,000
Section 7 - Goods-in-Transit
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Goods-in-Transit
Any one loss and in the aggregate
S$1,000 S$1,000
Premiums (includes prevailing GST)
Description of Benefits - Food Stall

Plan A Sum Insured

Plan B Sum Insured

Annual Premium S$203.30 S$310.30

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 

Top-up Plan from Plan B - Restaurant Top-up Rates Maximum Sum Insured Limit
Section 1 - All Risks1
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum Sum Insured Limit

All Risks1
Excess: S$300 each and every loss except for fire, lightning and burglary
S$53.50 for every S$25,000 S$1,000,000
Section 2 - Consequential Loss
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum Sum Insured Limit

Consequential Loss
Excess: 3 days by order of a public authority
N.A. N.A.
Section 3 - Rental Expenses
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum Sum Insured Limit

Rental Expenses N.A. N.A.
Section 4 - Money Insurance
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum 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
Top Up Plan from Plan B - Restaurant

Top Up Rates

Maximum Sum Insured Limit

Personal Accident N.A. N.A.
Section 6 - Public Liability and Food & Beverage Extension
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum Sum Insured Limit

Public Liability
(Any one accident/unlimited any one period)
S$53.50 for every S$500,000 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
Top-up Plan from Plan B - Restaurant

Top-up Rates

Maximum Sum Insured Limit

Goods-in-Transit 
(Any one loss and in the aggregate)
N.A. N.A.

Top-up Plan from Plan B - Food Stall Top-up Rates Maximum Sum Insured Limit
Section 1 - All Risks1
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

All Risks1
Excess: S$300 each and every loss except for fire, lightning and burglary
S$10.70 for every S$5,000 S$1,000,000
Section 2 - Consequential Loss
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

Consequential Loss
Excess: 3 days by order of a public authority
N.A. N.A.
Section 3 - Rental Expenses
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

Rental Expenses N.A. N.A.
Section 4 - Money Insurance
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum 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
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

Personal Accident N.A. N.A.
Section 6 - Public Liability and Food & Beverage Extension
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

Public Liability
(Any one accident/unlimited any one period)
S$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 
Top-up Plan from Plan B - Food Stall

Top-up Rates

Maximum Sum Insured Limit

Goods-in-Transit
(Any one loss and in the aggregate)
N.A. N.A.

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 

Optional Coverage

Optional Coverage - Restaurant Sum Insured/Headcount Top-up Rates
Work Injury Compensation2
Optional Coverage - Restaurant Sum Insured/Headcount Top-up Rates
Non-manual employees
Admin/accounts/management/cashiers/marketing/sales
Earning ≤ S$30,000
Earning > S$30,000 up to S$75,000
S$32.10 per employee
S$58.85 per employee
Manual employees
Chefs/cooks/waiters/waitresses/bartenders/service staff/captains/kitchen staff/cleaners
Earning ≤ S$30,000
Earning > S$30,000 up to S$75,000
S$64.20 per employee
S$107.00 per employee
Driver/Dispatch/Delivery Earning ≤ S$50,000 S$214.00 per employee
Fidelity Guarantee3
Optional Coverage - Restaurant Sum Insured/Headcount Top-up Rates
Any one employee and in the aggregate S$2,000 S$10.70 per employee
Deterioration of Stocks
Optional Coverage - Restaurant 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

Optional Coverage - Food Stall Sum Insured/Headcount Top-up Rates
Work Injury Compensation2
Optional Coverage - Food Stall Sum Insured/Headcount Top-up Rates
Non-manual employees
Admin/accounts/management/cashiers/marketing/sales
Earning ≤ S$30,000
Earning > S$30,000 up to S$75,000
S$32.10 per employee
S$58.85 per employee
Manual employees
Chefs/cooks/waiters/waitresses/bartenders/service staff/captains/kitchen staff/cleaners
Earning ≤ S$30,000
Earning > S$30,000 up to S$75,000
S$64.20 per employee
S$107.00 per employee
Driver/Dispatch/Delivery Earning ≤ S$50,000 S$214.00 per employee
Fidelity Guarantee3
Optional Coverage - Food Stall Sum Insured/Headcount Top-up Rates
Any one employee and in the aggregate S$2,000 S$10.70 per employee
Deterioration of Stocks
Optional Coverage - Food Stall 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

Work Injury Compensation 

  • Please refer to separate underwriting for annual earnings above the stated amount
  • Please declare occupation, headcount, and Actual^ annual wages per Category. Actual4 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

Fidelity Guarantee

  • This section will need to be taken together with the Work Injury Compensation section
  • Please declare occupation and headcount 

4 Actual annual wages per category at the inception of the policy year

Notes

  1. Business type - definitions:

  2. Section 1 - All Risks and Section 6 - Public Liability are extended to cover Outdoor Refreshment/Display Areas authorised for such use by the landlord and the relevant authorities

  3. The sum insured on Section 1–All Risks must represent the:

  4. 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

  5. If you have a chain of 3 or more shops insured with us, you will enjoy the following Chain Store Discount from gross premium

  6. You will enjoy the following No Claim Discount (after any Chain Store Discount) if you continue to insure with us:

  7. The covers and premiums indicated are not available for the following:

  8. Policy Owners’ Protection Scheme