Business Owners Super Suite

Our ‘BOSS’ (Business Owners Super Suite) insurance plans make it easy for small and medium-sized businesses to get the protection they need.

PERSONAL SERVICES

EDUCATION

PUB AND RESTAURANT

LIGHT INDUSTRIES

OFFICE

RETAIL

PERSONAL SERVICES

EDUCATION

PUB AND RESTAURANT

LIGHT INDUSTRIES

OFFICE

RETAIL

Important Notes

These policies are underwritten by Etiqa Insurance Pte. Ltd.

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

These policies are 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 us or visit the GIA or SDIC web-sites (www.gia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is accurate as at 3 April 2023.

Basic Cover	Standard Suite	Super Suite
Basic Cover	Basic Sum Insured/Limit	Basic Sum Insured/Limit
1. All Risks (Excess: $200 for each & every claim except fire, lightning & explosion) On Contents and Stock including:	$100,000	$100,000
Theft of keys	$1,000	$1,000
Property whilst at exhibitions anywhere within the Territorial Limits	$2,500	$2,500
Seasonal stock increase	25% of stock sum insured	25% of stock sum insured
Internal fixed plate glass	$2,500	$2,500
External signs	$1,500	$1,500
Cost of replacement of sanitary ware	$2,500	$2,500
External blinds	$2,500	$2,500
External glass	Cost of repair/replacement	Cost of repair/replacement
Option to increase Basic Sum Insured up to a maximum of $3,000,000
2. Business Interruption (Time Excess: 24 hours for all claims) including: On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 – All Risks (up to 100 days)	$200 per day	$200 per day
Book Debts	$5,000	$5,000
Unspecified customers/suppliers	$5,000	$5,000
Loss of gross profit and increased cost of working following machinery or computer breakdown (applicable only for Super Suite Plan)	Not Applicable	$20,000
Transit	$5,000	$5,000
Option to increase Basic Daily Benefit up to a maximum of $500 per day
3. Money
a. Money in Transit, in the premises during business hours, and in any bank’s night safe	$5,000	$5,000
Option to increase Basic Sum Insured up to a maximum of $10,000
b. Money in a locked unspecified safe outside business hours	$2,500	$2,500
Option to increase Basic Sum Insured up to a maximum of $10,000
c. Money at the private residence of the Insured or an Employee and at the premises outside of business hours not in a locked safe	$500	$500
Optional covers available on request include: Money in ATMs
Extension Malicious Attack Including:
Death and disablement benefits following malicious attack	$10,000	$10,000
Weekly disablement benefit following malicious attack	$100 per week up to 104 weeks	$100 per week up to 104 weeks
4. Personal Accident On the life of (up to 2) named proprietor partner(s) / director(s) a. Death/Permanent Disablement Option to increase Basic Sum Insured up to 25 persons up to maximum $300,000 per person Class I Persons engaged in professional, administrative, managerial, clerical and non manual occupation generally Class II Persons engaged in work of a supervisory nature and occasionally engaged in manual work Class III Persons engaged in manual work not of particularly hazardous nature but involving use of tools or machinery	$50,000 each	$50,000 each
5. Public Liability
Option to increase Basic Limit of Liability up to a maximum of $2,000,000 Option to cover Hair Treatment Limit of Liability up to maximum $25,000 Option to cover Beauty Treatment Limit of Liability up to maximum $25,000	$500,000	$500,000
6. Work Injury Compensation (WIC)	Up to 3 employees	Up to 3 employees
Option to increase Basic Total Number of Employees up to a maximum of 25
7. Goods In Transit	$2,500	$2,500
8. Non-Production Machinery and Computer Breakdown including: Breakdown of machinery at the premises other than computer equipment	Not Applicable	$10,000
Breakdown of computer equipment at the premises		$10,000 (portable computer equipment up to $3,000)
Additional costs necessary to make temporary repairs and expedite permanent repairs or replacement of damaged property		$5,000
Debris removal		$5,000 or 20% of the loss whichever is lower
Repair investigation costs		$5,000
9. Product Liability a. Accidental bodily injury to or illness of any person b. Accidental loss of or damage to property happening and arising out of products supplied in or from the Republic of Singapore in the course of the insured’s business	Not Applicable	$50,000
	Standard Suite	Super Suite
(i) Basic Cover Annual Premium (with GST)	$360.18	$432.84
(ii) Basic Cover No WICA Annual Premium (with GST)	$319.97	$392.63

Basic Cover	Standard Suite	Super Suite
Basic Cover	Basic Sum Insured/Limit	Basic Sum Insured/Limit
1. All Risks (Excess: $200 for each & every claim except fire, lightning & explosion) On Contents and Stock including:	$100,000	$100,000
Theft of keys	$1,000	$1,000
Property whilst at exhibitions anywhere within the Territorial Limits	$2,500	$2,500
Seasonal stock increase	25% of stock sum insured	25% of stock sum insured
Internal fixed plate glass	$2,500	$2,500
External signs	$1,500	$1,500
Cost of replacement of sanitary ware	$2,500	$2,500
External blinds	$2,500	$2,500
External glass	Cost of repair/replacement	Cost of repair/replacement
Option to increase Basic Sum Insured up to a maximum of $3,000,000
2. Business Interruption (Time Excess: 24 hours for all claims) including: On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 – All Risks (up to 100 days)	$200 per day	$200 per day
Book Debts	$5,000	$5,000
Unspecified customers/suppliers	$5,000	$5,000
Loss of gross profit and increased cost of working following machinery or computer breakdown (applicable only for Super Suite Plan)	Not Applicable	$20,000
Transit	$5,000	$5,000
Option to increase Basic Daily Benefit up to a maximum of $500 per day
3. Money
a. Money in Transit, in the premises during business hours, and in any bank’s night safe	$5,000	$5,000
Option to increase Basic Sum Insured up to a maximum of $10,000
b. Money in a locked unspecified safe outside business hours	$2,500	$2,500
Option to increase Basic Sum Insured up to a maximum of $10,000
c. Money at the private residence of the Insured or an Employee and at the premises outside of business hours not in a locked safe	$500	$500
Optional covers available on request include: Money in ATMs
Extension Malicious Attack Including:
Death and disablement benefits following malicious attack	$10,000	$10,000
Weekly disablement benefit following malicious attack	$100 per week up to 104 weeks	$100 per week up to 104 weeks
4. Personal Accident On the life of (up to 2) named proprietor partner(s) / director(s) a. Death/Permanent Disablement Option to increase Basic Sum Insured up to 25 persons up to maximum $300,000 per person Class I Persons engaged in professional, administrative, managerial, clerical and non manual occupation generally Class II Persons engaged in work of a supervisory nature and occasionally engaged in manual work Class III Persons engaged in manual work not of particularly hazardous nature but involving use of tools or machinery	$50,000 each	$50,000 each
5. Public Liability	$500,000	$500,000
Food Poisioning	$500,000	$250,000
Option to increase Basic Limit of Liability up to a maximum of $5,000,000
6. Work Injury Compensation (WIC)	Up to 3 employees	Up to 3 employees
Option to increase Basic Total Number of Employees up to a maximum of 25
7. Goods In Transit	$2,500	$2,500
8. Non-Production Machinery and Computer Breakdown including: Breakdown of machinery at the premises other than computer equipment	Not Applicable	$10,000
Breakdown of computer equipment at the premises		$10,000 (portable computer equipment up to $3,000)
Additional costs necessary to make temporary repairs and expedite permanent repairs or replacement of damaged propert		$5,000
Debris removal		$5,000 or 20% of the loss whichever is lower
Repair investigation costs		$5,000
9. Product Liability a. Accidental bodily injury to or illness of any person b. Accidental loss of or damage to property happening and arising out of products supplied in or from the Republic of Singapore in the course of the insured’s business	Not Applicable	$50,000
	Standard Suite	Super Suite
(i) Basic Cover Annual Premium (with GST)	$363.77 (Learning Centre)	$382.40 (Learning Centre)
(i) Basic Cover Annual Premium (with GST)	$363.77 (Childcare)	$568.70 (Childcare)
(ii) Basic Cover No WICA Annual Premium (with GST)	$314.60 (Learning Centre)	$333.23 (Learning Centre)
(ii) Basic Cover No WICA Annual Premium (with GST)	$314.60 (Childcare)	$519.53 (Childcare)

Type	Definition	Examples
Restaurant	Sale of foodstuff (including beverages) for consumption at premises providing dedicated and exclusive dining-in facilities.	Cafes Coffee houses Bistros Takeaway shops Coffee shops Ice cream shops Bubble tea operations Catering services
Foodcourt	Sale of foodstuff (including beverages) for consumption at premises with dining-in facilities which are grouped together and located in large shopping centres and whole shop lots.	Stallholders in Food court Hawker centres Canteens
Pub	Licensed to sell alcoholic drinks like beer, ale and similar drinks. You may also serve food like meals and snacks. Standard: Wet led with limited food provision, no entertainment with URA’s approved pub licences Non Standard: Wet and food led, various entertainments to include karaoke, singers, bands DJ, any form of dancing with URA-approved pub licences Decline risks: Wet, food and entertainment led with heavy entertainment and late licences with door staff and door charges. Heavy entertainment would include discos/bands with dancing facilities on a regular (weekly) basis with opening hours usually past 1am.	Stallholders in Pubs and public houses Gastro pubs and ‘wet and dry’ pubs Wine bars Pubs and bars with late licences/entertainment

Basic Cover	Standard Suite	Super Suite
Basic Cover	Basic Sum Insured/Limit	Basic Sum Insured/Limit
1. All Risks (Excess: $200 for each & every claim except fire, lightning & explosion) On Contents and Stock including:	$100,000	$100,000
Theft of keys	$1,000	$1,000
Property whilst at exhibitions anywhere within the Territorial Limits	$2,500	$2,500
Seasonal stock increase	25% of stock sum insured	25% of stock sum insured
Internal fixed plate glass	$2,500	$2,500
External signs	$1,500	$1,500
Cost of replacement of sanitary ware	$2,500	$2,500
External blinds	$2,500	$2,500
External glass	Cost of repair/replacement	Cost of repair/replacement

2. Business Interruption (Time Excess: 24 hours for all claims) including: On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 – All Risks (up to 100 days)	$200 per day	$200 per day
Book Debts	$5,000	$5,000
Unspecified customers/suppliers	$5,000	$5,000
Loss of gross profit and increased cost of working following machinery or computer breakdown (applicable only for Super Suite Plan)	Not Applicable	$20,000
Transit	$5,000	$5,000
Option to increase Basic Daily Benefit up to a maximum of $500 per day
3. Money
a. Money in Transit, in the premises during business hours, and in any bank’s night safe	$5,000	$5,000
Option to increase Basic Sum Insured up to a maximum of $10,000
b. Money in a locked unspecified safe outside business hours	$2,500	$2,500
Option to increase Basic Sum Insured up to a maximum of $10,000
c. Money at the private residence of the Insured or an Employee and at the premises outside of business hours not in a locked safe	$500	$500
Optional covers available on request include: Money in ATMs
Extension Malicious Attack Including:
Death and disablement benefits following malicious attack	$10,000	$10,000
Weekly disablement benefit following malicious attack	$100 per week up to 104 weeks	$100 per week up to 104 weeks
4. Personal Accident On the life of (up to 2) named proprietor partner(s) / director(s) a. Death/Permanent Disablement Option to increase Basic Sum Insured up to 25 persons up to maximum $300,000 per person Class I Persons engaged in professional, administrative, managerial, clerical and non manual occupation generally Class II Persons engaged in work of a supervisory nature and occasionally engaged in manual work Class III Persons engaged in manual work not of particularly hazardous nature but involving use of tools or machinery	$50,000 each	$50,000 each
5. Public Liability	$500,000	$500,000
Food Poisioning	$500,000	$250,000
Option to increase Basic Limit of Liability up to a maximum of $5,000,000
6. Work Injury Compensation (WIC)	Up to 3 employees	Up to 3 employees
Option to increase Basic Total Number of Employees up to a maximum of 25
7. Goods In Transit	$2,500	$2,500
8. Non-Production Machinery and Computer Breakdown including: Breakdown of machinery at the premises other than computer equipment	Not Applicable	$10,000
Breakdown of computer equipment at the premises		$10,000 (portable computer equipment up to $3,000)
Additional costs necessary to make temporary repairs and expedite permanent repairs or replacement of damaged propert		$5,000
Debris removal		$5,000 or 20% of the loss whichever is lower
Repair investigation costs		$5,000
9. Product Liability a. Accidental bodily injury to or illness of any person b. Accidental loss of or damage to property happening and arising out of products supplied in or from the Republic of Singapore in the course of the insured’s business	Not Applicable	$50,000
	Standard Suite	Super Suite
(i) Basic Cover Annual Premium (with GST)	$515.34 (Restaurant)	$602.28 (Restaurant)
	$360.81 (Foodcourt)	$421.80 (Foodcourt)
	$296.37 (Stallholder)	$346.45 (Stallholder)
	$1,288.56 (Pub)	$1,506.41 (Pub)
(ii) Basic Cover No WICA Annual Premium (with GST)	$420.43 (Restaurant)	$507.37 (Restaurant)
	$294.33 (Foodcourt)	$355.19 (Foodcourt)
	$241.82 (Stallholder)	$292.42 (Stallholder)
	$1,051.30 (Pub)	$1,268.65 (Pub)

Basic Cover	Standard Suite	Super Suite
Basic Cover	Basic Sum Insured/Limit	Basic Sum Insured/Limit
1. All Risks (Excess: $200 for each & every claim except fire, lightning & explosion) On Contents and Stock including:	$100,000	$100,000
Theft of keys	$1,000	$1,000
Property whilst at exhibitions anywhere within the Territorial Limits	$2,500	$2,500
Seasonal stock increase	25% of stock sum insured	25% of stock sum insured
Internal fixed plate glass	$2,500	$2,500
External signs	$1,500	$1,500
Cost of replacement of sanitary ware	$2,500	$2,500
External blinds	$2,500	$2,500
External glass	Cost of repair/replacement	Cost of repair/replacement
Option to increase Basic Sum Insured up to a maximum of $3,000,000
2. Business Interruption (Time Excess: 24 hours for all claims) including: On Total Interruption to business resulting from loss or damage by perils insured as described under Section 1 – All Risks (up to 100 days)	$200 per day	$200 per day
Book Debts	$5,000	$5,000
Unspecified customers/suppliers	$5,000	$5,000
Loss of gross profit and increased cost of working following machinery or computer breakdown (applicable only for Super Suite Plan)	Not Applicable	$20,000
Transit	$5,000	$5,000
Option to increase Basic Daily Benefit up to a maximum of $500 per day
3. Money
a. Money in Transit, in the premises during business hours, and in any bank’s night safe	$5,000	$5,000
Option to increase Basic Sum Insured up to a maximum of $10,000
b. Money in a locked unspecified safe outside business hours	$2,500	$2,500
Option to increase Basic Sum Insured up to a maximum of $10,000
c. Money at the private residence of the Insured or an Employee and at the premises outside of business hours not in a locked safe	$500	$500
Optional covers available on request include: Money in ATMs
Extension Malicious Attack Including:
Death and disablement benefits following malicious attack	$10,000	$10,000
Weekly disablement benefit following malicious attack	$100 per week up to 104 weeks	$100 per week up to 104 weeks
4. Personal Accident On the life of (up to 2) named proprietor partner(s) / director(s) a. Death/Permanent Disablement Option to increase Basic Sum Insured up to 25 persons up to maximum $300,000 per person Class I Persons engaged in professional, administrative, managerial, clerical and non manual occupation generally Class II Persons engaged in work of a supervisory nature and occasionally engaged in manual work Class III Persons engaged in manual work not of particularly hazardous nature but involving use of tools or machinery	$50,000 each	$50,000 each
5. Public Liability
Option to increase Basic Limit of Liability up to a maximum of $2,000,000 Option to cover Hair Treatment Limit of Liability up to maximum $25,000 Option to cover Beauty Treatment Limit of Liability up to maximum $25,000	$500,000	$500,000
6. Work Injury Compensation (WIC)	Up to 3 employees	Up to 3 employees
Option to increase Basic Total Number of Employees up to a maximum of 25
7. Goods In Transit	$2,500	$2,500
8. Non-Production Machinery and Computer Breakdown including: Breakdown of machinery at the premises other than computer equipment	Not Applicable	$10,000
Breakdown of computer equipment at the premises		$10,000 (portable computer equipment up to $3,000)
Additional costs necessary to make temporary repairs and expedite permanent repairs or replacement of damaged propert		$5,000
Debris removal		$5,000 or 20% of the loss whichever is lower
Repair investigation costs		$5,000
9. Product Liability a. Accidental bodily injury to or illness of any person b. Accidental loss of or damage to property happening and arising out of products supplied in or from the Republic of Singapore in the course of the insured’s business	Not Applicable	$50,000
	Standard Suite	Super Suite
(i) Basic Cover Annual Premium (with GST)	$945 (Light Industries)	$1,074.60 (Light Industries)
(i) Basic Cover Annual Premium (with GST)	$992.25 (Wholesale)	$1,143.45 (Wholesale)
(ii) Basic Cover No WICA Annual Premium (with GST)	$536.67 (Light Industries)	$666.27 (Light Industries)
(ii) Basic Cover No WICA Annual Premium (with GST)	$563.51 (Wholesale)	$714.71 (Wholesale)

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Business Owners Super Suite

Personal Services

Protect your personal services business and employees from the unexpected with the Etiqa BOSS suite tailored o your needs.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

Education

Safeguard your education business and protect your employees with a customised Etiqa BOSS suite.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

Pub and Restaurant

Operate your small and medium-sized food & beverage (F&B) business with peace of mind when you purchase the Etiqa BOSS suite.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

Light Industries

If you manufacture and assemble goods, or store goods in a light industrial building, you can protect your business from the unexpected with the Etiqa BOSS suite.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

Office

Cover your office business with a customised Etiqa BOSS suite.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

Retail

Running a small and medium-sized retail business? Etiqa’s BOSS suite offers the protection you need.

Eligibility

Special Benefits – Multi-Location Discount

For chain outlets, a perpetual multi-location discount is allowed:

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