Tokio Marine Insurance Singapore Ltd.

Our Food Establishment business package brings you all your essential business insurance under one single policy. This package is specially designed for the following food and beverage establishments:

• Restaurant
  An establishment that sells foodstuff (including beverages) for consumption at the premises providing dedicated and exclusive dining-in facilities. This includes café, coffee house and bistro.
• Food stall
  An establishment that sells foodstuff (including beverages) for consumption at the premises with dining-in facilities which are neither dedicated nor exclusive to the stall owners. This includes food kiosk, stall in food court, hawker centre and canteen.
• Food retailers
  An establishment that sell foodstuff (including beverage) purely on "take-away" consumption basis and no dining-in facilities are provided. (However, does not include food catering operators).

The package is not intended to cover the following:

• Pubs, bars, discotheques, karaoke lounges, nightclubs;
• Establishments that are primarily in the business of off-site food catering and delivery services;
• Establishments that are primarily in the business of food manufacturing;
• Establishments housed in class three construction premises or make-shift structures (not including incidental alfresco dining facilities);
• Premises that are not located in Singapore.

(For such excluded trade/premises, please speak with our underwriters for consideration)

The Food Establishment business package provides the following protections subject to the limits of the plan you have selected (see Benefit Table):

• Section 1: Fire and perils
  Covers damage to your contents caused by fire or other defined events.
• Section 2: Business interruption
  Covers consequential loss of revenue and/or profit caused by interruption of or interference with your business caused by fire or other defined perils.
• Section 3: Theft
  Covers damage to or loss of your contents and damages to your premises as a result of theft by violent and forcible entry into or exit from the premises or armed hold-up.
• Section 4: Money
  Covers loss of money in transit, money kept in your premises during business hours or kept in the premises in locked drawers or safes after business hours. It also covers loss of money removed from the premises and kept over night in locked drawers or safes at your place of residence.
• Section 5: Plate glass
  Covers accidental breakage of plate glass at your business premises.
• Section 6: Personal accident
  Covers accidental death or permanent disability of the named proprietor or partners of the business.
• Section 7: Fidelity guarantee
  Covers you against pecuniary loss due to fraudulent or dishonest conduct of your employees.
• Section 8: Work injury compensation
  Covers you for amount you are legally liable to pay under the Work Injury Compensation Act or at Common Law for injury sustained by your workman arising out of and in the course of their employment in your business.
• Section 9: Public liability
  Covers you for amounts you are legally liable to pay as compensation for bodily injury and/or property damage as a result of an occurrence in connection with your business. Included in this section is cover against your legal liability arising from food and drinks poisoning or contamination

For the coverage described above, we have 3 standard packages with different sums insured/limits of cover to cater to your different business needs.

Subject to our underwriting and payment of additional premium, you may vary the standard coverage to suit your business requirement, viz.

• Increase individual sum insured/limit of cover;
• Extend coverage of Section 1 to include building structures and its fixtures and fittings of the premises occupied and belonging to you or for which you are legally responsible;
• Include other optional covers such as deterioration of stocks extensions;

Section & Benefit Description Sum Insured/Limit of Cover Additional Premium for Increased Sum Insured/Limit Package A Package B Package C Section 1: Fire and perils Contents $50,000 $30,000 $20,000 $5 for every $5,000, subject to an overall limit of 10 times the original sum insured for the package Section 2: Business Interruption Each day the business is interrupted or interfered with up to 100 consecutive days. $200 $200 $100 $5 for every $50, subject to an overall limit of $300 per day Section 3: Theft Contents and damages to premises (first loss basis) inclusive of and subject to a limit for cigarettes of $2,000) $20,000 $15,000 $15,000 $2 for every $1,000, subject to an overall limit of $100,000 Section 4: Money Money in transit Money in premises during business hours Money in locked drawer/safe at the premises after business hours Money in locked drawer/safe at private residence $3,000 $3,000 $1,000 $500 $2,000 $2,000 $1,000 $300 $1,000 $1,000 $500 $200 $10 for every $1,000, subject to an overall limit of $10,000 for money in transit and in premises during business hours only Section 5: Plate Glass Cost of repairing or replacing broken glass including lettering or decoration thereon and cost of temporary shuttering or boarding up $2,000 $2,000 $1,000 $7.50 for every $1,000, subject to an overall limit of $10,000 Section 6: Personal Accident Accidental death or total permanent disability (per policy)* Medical Expenses (per policy) *Note: if policy covers more than 1 person, the sum insured will be divided equally amongst all insured persons) $50,000 $2,000 $30,000 $2,000 $20,000 $2,000 $10 for every $10,000, subject to an overall limit of $100,000 for sum insured for death/permanent disability only Section 7: Fidelity Guarantee Pecuniary loss per event Pecuniary loss per period of insurance $1,000 $2,000 $1,000 $2,000 $500 $1,000 $5 for every $500 additional event limit, subject to an overall limit of $2,000. The limit per period of insurance will be 2 times the per event limit. Section 8: Work Injury Compensation No. of employees covered Up to 3 employees Up to 2 employees Up to 2 employees For Singaporean Worker $75 for each additional employee upto an overall total of 15 employees For Foreign Worker $125 for each additional employee upto an overall total of 15 employees Section 9: Public Liability Limit of indemnity (any one accident and any one period of insurance) $500,000 $300,000 $300,000 $10 for every $50,000 subject to an overall limit of $1m Notes: Package A is recommended for restaurant establishment. For food stall and food retailer, you can select either Package B or C depending on the size of your establishment.

	Annual Premium
Plan A	$440
Plan B	$280
Plan C	$220
Top-up sums insured / limit	Please Refer to Benefit Table
Building extension (Section 1)	$10 for every $10,000 cover
Deterioration of stock $2,000 for Package A $1,000 for Package B $500 for Package C	$60 $40 $25
- Premium shown above is further subject to Goods and Services Tax ("GST") - Premium rates are non-guaranteed, i.e. at our sole discretion, we may amend the premium rates from time to time

IMPORTANT
This brochure is not an insurance policy and does not contain the full details of the insurance cover. The specific terms, conditions and exclusions applicable to the insurance are contained in the policy which will be issued to you upon acceptance of your application. A copy of the specimen policy can be made available to you upon request.

For more information, contact one of our following staff :
Lee Seng Wah	(65) 6325-0409	or email : leesengwah@tokiomarine.com.sg