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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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Connect with us
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You can see one of our 18,000 agents around the country or call our Etiqa Oneline call centre at 1300 13 8888.
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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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