The One Policy That Offers Flexibility & Affordability.

Say goodbye to multiple policies and let SmartPlan Shop take care of all your insurance needs!

With SmartPlan Shop, you can enjoy total business protection and flexibility of coverage in one convenient, value-for-money plan. On top of the Standard plan, which provides comprehensive and basic coverage, you can customise the optimum policy by increasing the limits or adding optional covers to suit your unique business' needs.

So choose SmartPlan Shop today and free your mind to focus on your core business!

Basic Covers

1. All Risks on Contents

We insure you against accidental physical loss or damage to your property, which may include stock, machinery, equipment, furniture, furnishing, fixtures and fittings.

Additional benefits included are:

• Breakage of glass, signs and/or all internal and external plate glass in windows, doors, fanlights and partitions
• Loss or damage to works of art and curios
• Alterations and repairs
• Appraisement
• Brand and Label
• Breach of Conditions
• Breach of Warranties
• Contract Price
• Fire Brigade Charges and Extinguishing Costs
• Other Contents
• Removal of Debris

2. Additional Expenditure/Increase Cost of Working

We will pay for any additional expenditure necessarily incurred for you to resume your business quickly after a loss insured under Section 1.

Additional benefits included are:

• Denial of Access
• Failure of Electricity Supply

3. Money

This section protects you against loss of money whilst they are being kept in your premises, or in transit anywhere within Singapore.

Additional benefits included are:

• Personal Accident Benefits Extension (for 1 Employee)
• Loss/Damage to Safe/Strongroom

4. Workmen's Compensation

This section protects you from legal liability towards your employees if they suffer death or injuries by accident arising out of and in the course of employment.

5. Public Liability

This section covers your legal liability to third parties for accidental bodily injury or property damage caused by you in connection to your business.

Additional benefits included are:

• Advertising and Neon Signs
• Fire and Explosion Endorsement
• Food and Drink
• Loading and Unloading of Vehicles
• Private Works for Directors and Executives
• Sports and Social Activities
• Tenants' and Occupiers' Liability
• Treatment Risk Liability

6. 24-hour Worldwide Personal Accident

We will pay you based on a table of compensation if any of your directors, partners or employees sustain bodily injury caused by violent, accidental, external and visible means resulting in death or permanent disability. All named persons must be aged between 16 and 65 years at entry.

Additional benefits included are:

• Repatriation Costs
• Exposure
• Disappearance
• Murder and Assault
• Hijack
• Daily In-hospital income

Optional Covers

7. Fidelity Guarantee

We protect you against direct pecuniary loss arising from any act of fraud or dishonesty committed by your employees.

8. Business Interruption

This section protects you against the loss of income that your business suffers as a result of a loss or damage insured under Section 1. That is to say, if you cannot trade due to an insured loss or damage to your contents, we will cover you against the amount of loss resulting from such interruption up to an indemnity period of 12 months.

Additional benefits included are:

• Alternative Trading Clause
• Accumulated Stock
• Automatic Reinstatement of Loss Amount
• Business conducted other than at Location
• Denial of Access
• Department
• New Business
• Utilities & Services

9. Fire & Extraneous Perils on Building

This section insures you against physical loss of or damage to your insured building due to fire or extraneous perils, such as lightning, flood, riot, strike, etc.

Additional benefits included are:

• Alterations and Repairs
• Appraisement
• Architects', Surveyors' & Consultant Engineers' Fees
• Automatic Reinstatement
• Awnings, Blinds, Signs or other Outdoor Fixtures or Fittings
• Breach of Conditions and/or Warranties
• Capital Additions
• Cost of Demolition and Clearing and Erection of Hoarding
• Electrical installation
• Extended Impact Damage
• Fire Extinguishing Cost/Fire Brigade Charges
• Heating and Power
• Leased Property
• Privileges/Permission Granted
• Public Authorities/Ordinance
• Reinstatement Value (excluding Stock)
• Sue and Labour
• Temporary Protection and Safety Costs
• Tenants' Improvements

Standard Plan: Benefits at a glance

BASIC COVERS	SUM INSURED/LIMIT	MAXIMUM LIMIT
All risks on Contents	S$25,000	Up to S$2,000,000
Additional Expenditure/Increase Cost of Working (Up to 100 days)	S$200 per day	Up to S$500 per day
Money (Money in premises & Money in transit)	S$5,000	Up to S$30,000
Public Liability (AOA/AOP)	S$500,000	Up to S$2,000,000
Workmen's Compensation	For 2 Employees	Up to 20 Employees
Personal Accident Per Conveyance Limit - S$3,000,000	S$30,000 each person (for 3 named proprietors/ partners/ directors	Up to S$500,000 each person. Up to 20 persons.
OPTIONAL COVERS
Fidelity Guarantee	S$5,000 any one employee and in aggregate	Up to S$30,000 any one employee and in aggregate. Up to 20 employees.
Business Interruption Indemnity Period: 12 months	Insured to determine sum insured	Up to S$1,000,000
Fire & EP on Building	Insured to determine sum insured	Up to S$2,000,000