Office

Basic Cover
Section	Interest	Basic Sum Insured/Limit
All Risks (Excess: 1% of loss minimum S$500 each & every claim except fire, lightning & explosion)	On Contents including furniture, fixtures & fittings, plate glass and stock in trade.	S$100,000 (option to increase up to S$1m)
Business Interruption (Time Excess: 24 hours all claims)	On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 – All Risks (up to 100 days)	S$200 per day (option to increase up to S$300 per day)
Money	(a) In Transit	S$5,000 (option to increase up to S$10,000)
	(b) In Premises (Sub-limit: S$1,000 in locked drawers/cabinets/cash registers after business hours)	S$3,000 (option to increase up to S$10,000)
	(c) In proprietor’s/partner’s/ director’s residence kept in locked drawers/safes after business hours	S$500
Personal Accident	On the life of (up to 2) named proprietor/partner(s)/ director(s)
	(a) Death/Permanent Disablement	S$50,000 each
	(b) Medical Expenses	S$500 each (option to increase to S$100,000 per person for Death/Permanent Disablement)
Public Liability	Your business operation	S$500,000 any one accident Unlimited any one period (option to increase up to S$2m)
Workmen Injury Compensation	Up to 4 employees	As per WIC Act (option to increase up to 15 employees)
Basic Cover Annual Premium (excluding GST) S$280

You may top-up your coverage in accordance with your specific requirements and/or have your choice of Optional Covers, available as follows:

Optional Covers
Fire and Extraneous Perils	On Building	Up to S$2m
Fidelity Guarantee	Up to 15 employees	Minimum Limit: S$5,000* Maximum Limit: S$10,000* * any one occurrence and in the aggregate

Special Benefits – Renewal Loyalty and Chain Discounts

Subject to no claims on each renewal, the following loyalty discount is allowed:

Excluded Businesses/Trades and/or Activities

Premises occupied for the manufacturing, assembly, trading or storage of:

Alcohol, wine & spirits, tobacco retailers
Art galleries, Antiques, works of art, curios & furs, stamps & coins
Batteries & tyres, paint & varnish, scrap metal & other junk goods, paper, paper board boxes, timber & wood products including woodworking, rattan or related activities
Blasting, smelting or other operations involving hazardous activities
Contractors or any trade (including demolition of structures, piling works, scaffolding, painting and the like)
Glass
Integrated circuit chips, computer components, telecommunication & photographic equipment
Jewellery, gems, precious stones/metals, watches
Joss sticks, joss papers & candles, charcoal, fireworks & other explosive goods
Logistics, transportation & freight forwarders
Metal stamping
Motor repair workshops & showrooms
Oil, kerosene, petroleum, LPG & other flammable liquid & gases, chemicals (flammable, toxic or explosive)
Plastic, rubber, foams and mattress & beddings, fabric, garments & textiles
Sharks’ fin/ bird’s nest/ abalone/ chinese herbs
Spray painting, plastic moulding, use of furnace or kiln
Work on board vessels, offshore works, ship building and/ or ship repairing activities

Excluded Risks/Premises

Risk not situated in Singapore
Premises not of Class One construction
Risk with property kept in open or without perimeter fence and/or security
Multi-tenanted premises
Premises occupied as hospitals, clinics and laboratories (Contagious and Infectious Disease Extension is not applicable)

Major General Exclusions applicable to all Sections

Asbestos or any actual or alleged asbestos related injury or damage
Consequential loss of any kind or description including penalties or loss of contract
Ionising radiations or contamination by radioactivity
Nuclear weapons material
Terrorism except as provided under Section 1 – All Risks
War and kindred risks

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