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CommercialCare

Your all-in-one business insurance plan
CommercialCare
HSBC's CommercialCare minimises your business risks economically and conveniently, with the option of selectively increasing coverage over time.

CommercialCare lets you safeguard your business assets affordably with a single insurance plan. Choose from the Classic or Premier Plans, specially designed for SME businesses, to ensure that all the potential risks that come with running your business are covered.
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CommercialCare at a glance
CommercialCare at a glance
Coverage type Classic plan Premier plan
Fire and extraneous perils S$50,000 Covered under all risks
All risks Not applicable S$50,000
Increased cost of working (up to 100 days) S$250 per day S$250 per day
Loss of money S$5,000 (in transit)
S$5,000 (in premises)		 S$5,000 (in transit)
S$5,000 (in premises)
Work injury compensation Up to three indoor employees (Common Law limit: S$10,000,000) Up to three indoor employees (Common Law limit: S$10,000,000)
Personal accident S$50,000 applicable for the 1st person (one registered proprietor/ partner/ director) S$50,000 applicable for the 1st person (one registered proprietor/ partner/ director)
Public liability S$500,000 per accident claim (unlimited claims during insured period) S$500,000 per accident claim (unlimited claims during insured period)
Fidelity guarantee S$3,000 (up to three employees) S$3,000 (up to three employees)
Burglary S$25,000 (1st loss basis) Covered under all risks
Goods in transit S$2,000 per conveyance S$2,000 per conveyance
Annual premium S$250 (excluding GST) S$280 (excluding GST)
Excluded trades:
Amusement park, antique dealer, art/painting gallery and dealer, coin collector and stamp dealer, building of Class 2 and 3 construction, construction company, hazardous trade, jewellery and goldsmith shop, pets in pet shop and fish aquarium, LPG gas dealer, money changer, manufacturing/industrial risk, night club, discotheque, bar, karaoke club or lounge, coffee shop, hawker centre, wet/dry market, mobile kiosk, push-cart, floating restaurant, home delivery, party/full service caterer, food supplier/vendor.
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Supplementary cover (optional)
Supplementary cover (optional)
Loss of profit
As an alternative to increased cost of working, you can opt for a more comprehensive loss of profit benefit where we will pay you if your business suffers from interruption or interference due to loss or damage as defined under “Fire and extraneous perils” or “All risks” section.
Personal accident for employees
24-hour worldwide coverage for bodily injury caused by accidental means resulting in death or total and permanent disablement for your employees.
Deterioration of stocks
Coverage for deterioration, loss or damage to stocks kept in refrigerator due to breakdown in refrigeration units.
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Important notes
Important notes

CommercialCare is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), 21 Collyer Quay #02-01 Singapore 049320. This product is not an obligation of, deposit in or guaranteed by The Hongkong and Shanghai Banking Corporation Limited.

This webpage contains only general information. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the product specimen and benefit illustration in deciding whether to buy this product. You can ask for the Product Specimen from our authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually includes high cost and the surrender value payable may be less than the total premiums paid.

HSBC Insurance (Singapore) Pte. Limited's authorised agents and distributors, including The Hongkong and Shanghai Banking Corporation Limited (together “the Agents”) are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing material, even if the Agents have been advised of the possibility of such damages.

The Agents and/or its employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services, and will not accept liability in relation hereto.

Issued by The Hongkong and Shanghai Banking Corporation Limited, which is incorporated in the Hong Kong SAR with limited liability.
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Benefits:
Protect your business assets affordably
Selectively increase coverage; one insurance plan
Comprehensive coverage from just S$250 a year
 
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