Scope of Cover*

FIRE & EXTRANEOUS PERILS covers loss of or damage to your insured property in the Premises destroyed or damaged by Fire and/or Lightning and other perils such as earthquake, flood, riot and strike, malicious damage and sprinkler leakage.

INCREASED COST OF WORKING covers in conjunction with Fire & Extraneous Perils. An additional amount of daily benefit shall be payable if property lost or damage covered results in the interruption of or interference with the Insured’s business.

WORK INJURY COMPENSATION covers legal liability towards your employees for bodily injury sustained by accident or disease arising out of and in the course of their employment.

PUBLIC LIABILITY covers legal liability for accidental bodily injury or property damage to third parties arising out of the operation of your business.

ELECTRONIC EQUIPMENT covers cost of repairs to or replacement of electronic data processing equipment caused by any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

MONEY covers loss of or damage to money whilst kept within your business premises or whilst in transit anywhere in Singapore provided it is in your personal custody or your authorised employees.

FIDELITY GUARANTEE covers loss of money or property, belonging to you or for which you are legally responsible as a direct result of any act of fraud or dishonesty committed by your employees.

BURGLARY covers physical loss of or damage to your insured property as a result of theft by forcible entry into your business premises.

PLATE GLASS indemnifies you for the breakage of fixed glass insured in your business premises.

*Please refer to the applicable policy contract for the full details of the terms, conditions and exclusions of this insurance product.