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Liberty Food Stall Insurance
Who is this for?
Food Stall includes food kiosks/counters and stalls:
i) In food courts/shopping centres (with no public access into the premises after business hours); or
ii) In housing estate food centres and markets, public parks with public access into the premises after business hours. Co-insurance: 15% of loss in respect of Section 1
Benefits at a glance
| Description of Benefits – Food Stall | Plan A Sum Insured | Plan B Sum Insured |
|---|---|---|
| Section 1- All Risks1 | ||
| 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 | ||
| Consequential Loss Excess: 3 days by order of a public authority |
S$5,000 | S$10,000 |
| Section 3- Rental Expenses | ||
| Rental Expenses | S$5,000 | S$10,000 |
| Section 4- Money Insurance | ||
| 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 hours | S$500 | S$1,000 |
| Section 5- Personal Accident | ||
| Personal Accident | S$25,000 | S$25,000 |
| Section 6- Public Liability and Food & Beverage Extension | ||
| 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 | ||
| Goods-in-Transit Any one loss and in the aggregate |
S$5,000 | S$5,000 |
| Annual Premiums (includes prevailing GST) | ||
| Annual Premium | S$205.20 | S$313.20 |
| Top-up Plan from Plan B – Food Stall | Top-up Rates | Maximum Sum Insured Limit |
|---|---|---|
| Section 1- All Risks1 | ||
| All Risks1 Excess: S$300 each and every loss except for fire, lightning and burglary |
S$10.80 for every S$5,000 | S$1,000,000 |
| Section 2- Consequential Loss | ||
| Consequential Loss Excess: 3 days by order of a public authority |
N.A. | N.A. |
| Section 3- Rental Expenses | ||
| Rental Expenses | N.A. | N.A. |
| Section 4- Money Insurance | ||
| In transit | S$5.40 for every S$500 | S$10,000 |
| In premises during business hours | S$5.40 for every S$500 | S$10,000 |
| In locked safes after business hours | S$5.40 for every S$500 | S$10,000 |
| In locked drawers after business hours hours | S$5.40 for every S$500 | S$3,000 |
| Section 5- Personal Accident | ||
| Personal Accident | N.A. | N.A. |
| Section 6- Public Liability and Food & Beverage Extension | ||
| Public Liability (Any one accident/unlimited any one period) |
S$32.40 for every S$250,000 | S$5,000,000 |
| Food & Beverage Extension (Any one loss and in the aggregate) |
S$27.00 for every S$50,000 | S$250,000 |
| Section 7- Goods-in-Transit | ||
| Goods-in-Transit (Any one loss and in the aggregate) |
N.A. | N.A. |
1All Risks
| Optional Coverage – Food Stall | Sum Insured/Headcount | Top-up Rates |
|---|---|---|
| Work Injury Compensation2 | ||
| Non-manual employee Admin/accounts/management/cashiers/marketing/sales |
Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000 |
S$32.40 per employee S$59.40 per employee |
| Manual employee 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$86.40 per employee S$118.80 per employee |
| Driver/Dispatch/Delivery | Earning ≤ S$50,000 | S$216.00 per employee |
| Fidelity Guarantee3 | ||
| Any one employee and in the aggregate | S$2,000 | S$10.80 per employee |
| Deterioration of Stocks | ||
| Any one loss and in the aggregate | S$1,000 | S$32.40 + S$10.80 per additional S$500 insured limit up to a maximum of S$5,000 |
2 Work Injury Compensation
3 Fidelity Guarantee
4 Actual annual wages per category at the inception of the policy year
Contact Us
Monday-Friday: 9am to 5pm
Saturday: 10am to 2pm
Sunday: Closed