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CafeCare

Serving up the right coverage for your business

A foolproof recipe for peace of mind

Serving up the right coverage for your business

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. It’s no secret that such losses can seriously affect your business.

Protect your Food and Beverage business with CafeCare. It is the perfect recipe of insurance covers under one simple package for your Food and Beverage business.

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

Restaurant
Food Stall
Optional Coverage

Restaurant

Description of Benefits (Restaurant) 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$300 each and every loss except for Fire, Lightning and Burglary)
S$75,000 S$150,000 S$53.50 for every
S$25,000
S$1,000,000
Section 2 Consequential Loss
(Excess: 3 days by order of a Public Authority)
S$20,000 S$30,000 N.A. N.A.
Section 3 Rental Expenses S$20,000 S$30,000 N.A. N.A.
Section 4 Money Insurance
a) In Transit S$3,000 S$5,000 S$5.35 for every S$500 S$10,000
b) In Premises During Business Hours S$3,000 S$5,000 S$5 for every S$500 S$10,000
c) In Locked Safe After Business Hours S$3,000 S$5,000 S$5.35 for every S$500 S$10,000
d) In Locked Drawers After Business Hours S$1,000 S$2,000 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)
S$500,000 S$1,000,000 S$53.50 for every
S$500,000
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$363.80 S$524.30
  • Premiums above include prevailing GST

Food Stall

Description of Benefits (Food Stall) 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$300 each and every loss except for Fire, Lightning and Burglary)
S$15,000 S$30,000 S$10.70 for every
S$5,000
S$1,000,000
Section 2 Consequential Loss
(Excess: 3 days by order of a Public Authority)
S$5,000 S$10,000 N.A. N.A.
Section 3 Rental Expenses S$5,000 S$10,000 N.A. N.A.
Section 4 Money Insurance
a) In Transit S$1,000 S$2,000 S$5.35 for every S$500 S$10,000
b) In Premises During Business Hours S$1,000 S$2,000 S$5.35 for every S$500 S$10,000
c) In Locked Safe After Business Hours S$1,000 S$2,000 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$25,000 S$25,000 N.A. N.A.
Section 6 Public Liability
(Any One Accident/Unlimited Any One Period)
S$250,000 S$250,000 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$1,000 S$1,000 N.A. N.A.
Annual Premium S$203.30 S$310.30
  • Premiums above include prevailing GST

 

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

Chefs/Cooks/Waiters/Waitresses/ Bartender/Service Staff/Kitchen Staff/ 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 specifically 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