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Liberty Restaurant Insurance
Who is this for?
Restaurants are establishments with dining-in facilities, including outdoor refreshment area and outdoor catering service.
Benefits at a glance
| Description of Benefits – Restaurant | 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$75,000 | S$150,000 |
| 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$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 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 |
| 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$367.20 | S$529.20 |
| Top-up Plan from Plan B – Restaurant | 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$54.00 for every S$25,000 | 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$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$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 | 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
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Saturday: 10am to 2pm
Sunday: Closed