Key Benefits

A foolproof recipe for peace of mind

Running a Food & Beverage business requires a blend of hard work and meticulous planning. However, no amount of planning can prevent unexpected accidents that may lead to financial losses. It is every business owner's fear to ever encounter loss of or damage to property, death/injury to employees, claims from external parties and more.

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

We got your needs covered

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

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
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

    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
    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

     

      Top Up Plan from Plan B - Restaurant Top Up Rates Max Sum Insured Limit
      Section 1 - All Risks1
      Top Up Plan from Plan B - Restaurant

      Top Up Rates

      Max 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

      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
      Top Up Plan from Plan B - Restaurant

      Top Up Rates

      Max 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

      Max Sum Insured Limit

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

      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
      Top Up Plan from Plan B - Restaurant

      Top Up Rates

      Max 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

      Max 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

      Max 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 Max Sum Insured Limit
      Section 1 - All Risks1
      Top Up Plan from Plan B - Food Stall

      Top Up Rates

      Max 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

      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
      Top Up Plan from Plan B - Food Stall

      Top Up Rates

      Max 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

      Max Sum Insured Limit

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

      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
      Top Up Plan from Plan B - Food Stall

      Top Up Rates

      Max 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

      Max 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 - Restaurant

      Top Up Rates

      Max Sum Insured Limit

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

      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
      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
      S$64.20 per employee
      S$107.00 per employee
      Driver/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
      Optional Coverage - Restaurant 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 section
      S$2,000 S$10.70 per employee

      3Fidelity Guarantee

      • Please declare occupation and headcount 
      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
      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
      S$64.20 per employee
      S$107.00 per employee
      Driver/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
      Optional Coverage - Food Stall 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 section
      S$2,000 S$10.70 per employee

      3Fidelity Guarantee

      • Please declare occupation and headcount 
      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

       

         

         

        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: