Office Insurance | D Asset Management

Office Insurance

Who is this for?

Any sole proprietor, SME and business with an office in Singapore.

Excluded business:

Contractors
Events/exhibition services
Couriers/delivery services
Investigators/detective agencies
Motor trade/garages
Office cum stores
Freight forwarders, logistic/transport companies
Risks involving on-board vessels, manufacturing or production
Any offsite contract works/activities other than delivery, sales calls, meetings, non-manual/sedentary duties

Benefits at a glance

BENEFITS

OPTIONAL COVERAGE

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BENEFITS

Description of Benefits	Plan A Sum Insured	Plan B Sum Insured
Section 1- All Risks¹
All Risks¹ Excess: S$200 each and every loss except for fire, lightning and burglary	S$100,000	S$200,000
Section 2- Consequential Loss
Consequential Loss Excess: 3 days by order of a public authority	S$20,000	S$30,000
Section 3- Rental Expenses
Rental Expenses	S$20,000	S$30,000
Section 4- Money Insurance
In transit	S$5,000	S$7,500
In premises during business hours	S$5,000	S$7,500
In locked safes after business hours	S$5,000	S$7,500
In locked drawers after business hours hours	S$1,000	S$2,000
Section 5- Personal Accident
Personal Accident	S$50,000	S$50,000
Section 6- Public Liability and Food & Beverage Extension
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
Annual Premiums (includes prevailing GST)
Annual Premium	S$183.60	S$291.60

Top-up Plan from Plan B	Top-up Rates	Maximum Sum Insured Limit
Section 1- All Risks¹
All Risks¹ Excess: S$200 each and every loss except for fire, lightning and burglary	S$67.51 for every S$50,000	S$1,000,000
Section 2- Consequential Loss
Consequential Loss Excess: 3 days by order of a public authority	S$16.20 for every S$10,000	S$50,000
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$54.00 for every S$500,000	S$5,000,000
Food & Beverage Extension (Any one loss and in the aggregate)	S$27.00 for every S$50,000	S$100,000

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

OPTIONAL COVERAGE

Optional Coverage	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 Technicians/engineers/cleaners	Earning ≤ S$30,000 Earning > S$30,000 up to S$75,000	S$64.80 per employee S$108.00 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

²Work Injury Compensation

Please refer to separate underwriting for annual earnings above the stated amount
Please declare occupation, headcount, and Actual⁴ 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

³Fidelity Guarantee

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

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

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