AIA F&B (Restaurant)
Protect your business. Choose from a menu tailored to your needs.
From the kitchen to the dining table, the challenges of running the Food & Beverage (F&B) business are unique. And so are the risks. When life serves up the unexpected, you require insurance that understands your specialised needs and protect your business, your staff and your customers. AIA's affordable yet comprehensive F&B business insurance provides a wide range of cover for loss, damage or business interruption due to fire, theft, breakdown of equipment, or even food contamination. AIA Food & Beverage insurance a tailor-made and unique insurance service package for SMEs - provides essential staff and public liability cover for your business. With the flexibility of a standard plan plus optional covers, you can customize your policy to meet your individual business needs.
Flexible Coverage
From coverage for your physical property against all manner of risks, to financial support in a health emergency, take a look at the standard and optional protection we can provide your business:
Standard Cover
Property All Risks Insurance
Covers your property (up to S$2 million) against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions.
Optional Covers
Workmen's Compensation
Covers you for your liability under the Workmen's Compensation Act (Cap 354) or at Common Law to pay compensation to your employees (up to 25 employees) who suffer bodily injury or disease arising out of or in the course of employment.
Public Liability
Indemnify you against your legal liability (up to S$3 million) in respect of accidental bodily injury to third parties and/or accidental loss and/or damage to property belonging to third parties.
Group Personal Accident
Provides benefits to your employees as a result of an accident 24 hours a day anywhere in the world.
- Accident Death & Permanent Disablement (up to S$150,000)
- Accident Medical Reimbursement (up to S$1,500)
- Weekly Indemnity (up to S$150 per week)
Machinery Breakdown
Provides cover (up to S$3,000) to the electrical equipment in the event of mechanical or electrical malfunction.
Fidelity Guarantee
Insures you against loss of money and/or property (up to S$5,000) due to fraud or dishonesty of employees
Free Cover!
Health Emergency Loss Protection
Provides you with essential financial support of S$170 per day (max 15 days) in the event you are denied access into your workplace as a result of an outbreak of any human contagious disease (for example, SARS).
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Notes:
The above is a simplified description of the product features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
