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SmartPlan F&B

Harness your time more effectively with SmartPlan F&B - the one package for all your insurance needs. It gives you the flexibility to increase the coverage limits or add on optional covers to suit your unique requirements.

 
Compulsory Cover

1. All Risks

We will pay for your accidental loss or damage to your real (excluding building) and personal property.

2. Work Injury Compensation

As an employer, it is mandatory that you protect your employees engaged under a contract of service against work accidents or illnesses. We will compensate you against any claims, relating to your responsibility as employer.

Optional Cover

3. Daily Cash for Business Interruption

Business interruption from an outbreak of infectious disease or during failure of electricity supply could result in additional cost and expense to your business. We pay daily cash during the period of interruption.

4. Theft of Money

We compensate you against any loss or damage to your money (currency notes, cheques, credit card, sales vouchers)

5. Public Liability

We will compensate for claims in the case of third parties’ death or injury following an accident that your business is responsible of. Third parties include walk-in customers or damages to a neighboring occupier’s property.

6. Worldwide Personal Accident

We will pay you/your staff a lump-sum in the event of accidental death or permanent disability. We will also offer daily hospital cash in the event of hospitalization due to accident occurring anywhere in the world.

7. Fidelity Guarantee

We compensate you against any financial loss arising from any act of fraud or dishonesty committed by your employees.

8. Business Interruption Cover (Gross Profit Basis)

We will pay you for the loss of income, due to loss or damage insured under All Risks, up to an indemnity period of 12 months.

9. Fire on Building

We cover you against loss of or damage to your insured building due to fire or extraneous perils, such as lightning, flood, riot, strike, etc.

 
Benefits at a glance(S$)
 
  Plan A - Standard

cover
Plan B **

Build your own
Benefits Sum Insured/Limit of

Indemnity/No. of

Employees
Maximum Sum

Insured/Limit of

Indemnity/No. of

Employees
All Risk*
Real (excluding building) and Personal property
$100,000 $2,000,000
(stock not more than 25%
of sum insured)
Work Injury Compensation* 3 employees 25 employees
Theft of Money
in Transit & in Premise
$3,000 $30,000
Public Liability $500,000 $5,000,000
Daily Cash for Business Interruption
(up to 100 days)
$250 per day $500 per day
Worldwide Personal Accident
(Cover Class 1 & 2 occupation, whose profession does not involve the use of machinery & tools, or exposed to any special hazard.)
$50,000
(For 1 person)
$300,000
per insured person
(25 insured person)
Business Interruption Cover (Gross Profit Basis)
(Indemnity Period: 12 months)
  $1,000,000
Fidelity Guarantee   $5,000 per employee
$10,000 in the Aggregate
Fire on Building   $2,000,000

*All Risk and Work Injury Compensation are mandatory benefits that need to be included in Plan B
** You can customize your benefits under Plan B and you will not be covered for any non-selected optional benefits.
 
With “What Matters?”, you can now upgrade the benefits that fit your trade!
You will get greater coverage from as low as $0.15 per day.
 
F&B Business Category F&B
Trade Specific Cover Standard Upgrade
Food Spoilage due to breakdown of refrigeration machinery  $2,000  $4,000
Goods while in transit $5,000 $10,000
Cash relief during hospitalization
Payable up to 14 days
$100 per day $150 per day
Increase in money cover during festive seasons
or 50% of sum insured whichever is lesser
$5,000 $10,000
Increase in stock cover during festive seasons
or 20% of sum insured whichever is lesser
$100,000 $150,000
  Included $55
 
 

Eligibility

SmartPlan F&B - is the ideal choice for all small and medium sized business outlet which includes:

 

Bakery
Buffet catering
Café
Coffee Shops
Coffee joints
Fast Food delivery (Covering employees and the foods)
Fine Dining
Food Court
Ice Cream parlor
Mobile Food Cart
Restaurants

Brochure
Click to read / download our Brochure.

 
Insmart (Insurance) Agency Pte Ltd

No.1 Kaki Bukit Road 1 #02-27
Enterprise One
Singapore 415934
Tel: 6842 1050
Fax: 6842 6955, 6842 7855
Email: sales@insmart.sg
 
 

 

         
 
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