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| Etiqa Insurance PrimeShield Retail is designed specifically for small and medium sized businesses carrying out retail operations |
| All Risks (Excess: S$200 each & every claim except fire, lightning & explosion) |
On Contents including furniture, fixtures & fittings, plate glass and stock in trade |
S$100,000
(option to increase up to S$1m) |
Business Interruption
(Time Excess: 24 hours all claims) |
On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 - All Risks (up to 100 days) |
S$200 per day
(option to increase up to S$300 per day) |
| Money |
| (a) In Transit |
(b) In Premises
(Sub-limit: S$1,000 in locked drawers/cabinets/cash registers after business hours) |
| (c) In proprietor's/partner's/director's residence kept in locked drawers/safes after business hours | |
S$5,000
(option to increase up to S$10,000) |
S$3,000
(option to increase up to S$10,000) |
| S$500 | |
| Personal Accident |
On the life of (up to 2) named proprietor/partner(s)/ director(s)
(a) Death/Permanent Disablement |
| (b) Medical Expenses | |
| S$50,000 each |
S$500 each
(option to increase to S$100,000 per person for Death/Permanent Disablement) | |
| Public Liability |
Your business operation |
S$500,000 any one accident Unlimited any one period
(option to increase up to S$2m) |
| Workmen Injury Compensation |
Up to 4 employees |
As per WIC Act
(option to increase up to 20 employees) |
| Goods In Transit |
On physical loss of and/ or damage to property |
S$2,000 |
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| You may top-up your coverage in accordance with your specific requirements and/or have your choice of Optional Covers, available as follows: |
| Fire and Extraneous Perils |
On Building |
Up to S$2m |
| Fidelity Guarantee |
Up to 20 employees |
Minimum Limit: S$5,000*
Maximum Limit: S$10,000*
* any one occurrence and in the aggregate | |
Special Benefits - Renewal Loyalty and Chain Discounts
Subject to no claims on each renewal, the following loyalty discount is allowed: |
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First Renewal - 10% |
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Second and Subsequent Renewals - 20% |
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| For chain outlets, a one-time chain discount off the first premium is allowed: |
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Second Outlet - 5% |
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Third Outlet and Beyond - 10% | |
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| Excluded Businesses/Trades and/or Activities |
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Alcohol, wine & spirits, tobacco retailers |
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Art galleries, antiques, works of art, curios & furs, stamps & coins |
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Auto spare parts trading/battery & tyres dealers |
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Betting outlets |
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Building & construction materials/storage and sale of combustible goods |
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Chinese medical halls with acupunture, bonesetting etc practices |
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Computer components including integrated circuit chips |
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Glassware, chinaware, crystal, porcelain |
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Goldsmiths/Jewellers/Gems, silver, precious stones or metal retailers |
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Industrial hardware, paint and varnish retailers |
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Joss sticks, joss papers, candles, charcoal |
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Livestocks & pet shops, nurseries & landscaping |
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LPG and other flammable gas or liquid |
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Market stalls & shops/pushcarts/kiosks of all types |
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Monet changers/lenders/remittance offices |
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Pawnshops |
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Petrol stations, motor showrooms/workshops |
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Scrap metal, junk goods and second hand goods dealers |
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Sharksfin/bird's nest/abalone retailers |
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Telecommunication equipment retailers |
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Watches, cameras retailers | |
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| Excluded Risks/Premises |
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Risk not situated in Singapore |
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Premises not of Class One construction |
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Risk with property kept in open or without perimeter fence and/or security |
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Risk involving manual work outside of Insured's premises except for the purpose of delivery of goods only |
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Premises occupied as hospitals, clinics and laboratories (Contagious and Infectious Disease Extension is not applicable) | |
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| Major General Exclusions applicable to all Sections |
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Asbestos or any actual or alleged asbestos related injury or damage |
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Consequential loss of any kind or description including penalties or loss of contract |
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Ionising radiations or contamination by radioactivity |
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Nuclear weapons material |
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Terrorism except as provided under Section 1 - All Risks |
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War and kindred risks | |
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For more information, call us at Tel: 6336 0477 or email us at customer.service@etiqa.com.sg
To download a copy of the brochure and the application form, please click here | |
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Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). |
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Connect with us
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You can see one of our 23,000 agents around the country or call our Etiqa Oneline call centre at
1300 13 8888 (for Malaysians only).
For our international branches, please contact:
Singapore : +65 6336 0477
Brunei : +673 244 3393
Labuan : +60 87 417 672
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Locate our branches
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Walk-in to any of our branches around Malaysia to make a claim, enquire or purchase our insurance and takaful plans. Find a branch that is nearest to you
here
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