CommercialCare

You no longer have to take up separate insurance policies to cover the different risks that come with running a business.

With CommercialCare, you can now protect your business assets affordably with a single insurance plan.

Designed for small and medium-sized businesses, CommercialCare gives you a choice of two packages - Classic and Premier Plans, and the option to increase coverage affordably. From just S$250 a year, you can sign up for a comprehensive insurance solution to reduce your business risks.

• Fire and Extraneous Perils (for Classic Plan only)
  Coverage for loss of or damage to your property which includes stocks, equipment, furniture, fixtures and fittings, as well as contents of every description, due to fire, lightning, explosion and extraneous perils including burglary and accidental damage to plate glass.
  
• All Risks (for Premier Plan only)
  Coverage for accidental loss of or damage to your property including theft to stocks, equipment, furniture, fixtures and fittings including contents of every description.
  
• Personal Accident
  24-hour coverage for one registered proprietor/ partner/ director (age between 18 and 65 years old) for death or total and permanent disablement anywhere in Singapore.
  
• Burglary (for Classic Plan only)
  Coverage for loss of or damage to your property due to theft following forcible and violent entry.
  
• Loss of Money
  Reimbursement for loss of money whilst in transit or in locked drawer, safe and/or cash register.
  
• Increased Cost of Working
  The pre-agreed “per day” sum insured of S$250 will be paid for up to a maximum of 100 days to cover the increased cost of doing business elsewhere due to interruption following a loss under the “Fire and Extraneous Perils” or “All Risks” coverage.
• Workmen's Compensation
  Up to three employees (indoor) will be covered for liability under the Workmen's Compensation Act including Common Law.
  
• Public Liability
  Coverage against legal liability arising from negligence on your part or that of your employees. Pays legal expenses in addition to the limit of liability.
  
• Fidelity Guarantee
  Coverage for loss of money and/or goods by fraudulent or dishonest acts committed by your employees.
  
• Goods in Transit
  Coverage for loss of or damage to your property caused by any accident, collision and over-turning whilst in the course of transit by any vehicle owned by or hired by the insured anywhere in Singapore.
  

• Loss of Profit
  As an alternative to Increased Cost of Working benefit, 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.

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, manufacutring/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.