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Get Singapore's best Cafe Insurance. Broad cover against fire, food poisoning, employee injuries, & more.
Provide’s online platform is the quickest & easiest way to get cafe insurance. We know that opening a cafe takes a significant amount of monetary investment, so we want to help you protect it as best as you can. Get comprehensive yet affordable protection now, with Provide.
What does Cafe Insurance cover?
Coverage | Explanation | Importance for cafes |
Covers property damage to your cafe. E.g. fire, explosions, certain types of water damage, etc. | Critical | |
Covers your liability to third-parties for accidental injuries or property damage. E.g. clients slipping and falling in your cafe.
Also covers food poisoning liability. | Critical | |
Covers work-related injuries/illnesses for your employees. | Legally required for all manual workers (e.g. cooks, cleaners, servers), or workers who earn <$2,600/month
| |
Covers your business if you can’t operate your cafe, due to covered reasons. E.g. fire destroys your premises. | Very good to have | |
Covers medical expenses for your foreign workers. | Legally required for all S-Pass and Work Permit holders |
How much coverage do I need for my cafe?
Commercial Property Insurance: Most cafe owners carry between $100,000 to $200,000 coverage. Often, a higher amount may be required, depending on the total amount of renovations, furniture, and equipment, you’ve put into the premises.
Public Liability Insurance: Most cafe owners will benefit from $500,000 to $1 million coverage. These are the coverage amounts that landlords frequently request in commercial lease agreements.
- Work Injury Compensation Insurance: MOM requires businesses to have $45,000 medical expenses cover for every insured worker. This is legislated under the Work Injury Compensation Act (WICA).
- Business Interruption Insurance: Many cafe owners will have at least $50,000 coverage. You should calculate the amount of gross profit you would lose if you can’t operate your cafe for 3-6 months, and cover at least that amount.
Foreign Worker Medical Insurance: MOM requires businesses to have $15,000 cover, for every foreign worker. Foreign employees who do manual work must have both WICA Insurance, and Foreign Worker Medical Insurance.
How much does Cafe Insurance cost?
Coverage | Coverage amount (example) | Premium |
$100,000 | From $24/month for a Cafe Insurance package deal
| |
$500,000 | ||
$10 million common law annual limit
$45,000 medical expenses cover per worker | ||
$10,000 | ||
$15,000 per worker | From $6/month, per worker |
What are some claims examples for Cafe Insurance?
Coverage | Explanation | Importance for hawkers |
Protects your hawker stall from property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical | |
Protects your business from liability to third-parties for injuries or property damage.
Also covers food poisoning liability. | Critical | |
Protects your employees if they suffer work-related injuries/sickness. | Legally required for all manual workers (e.g. hawker assistants), or workers who earn <$2,600/month
| |
Protects your business if it cannot operate due to covered reasons, e.g. fire. | Very good to have | |
Protects your business if your foreign workers require medical treatment. | Legally required for all S-Pass and Work Permit holders |
What are the benefits of using Provide for Cafe Insurance?
Get highly affordable premiums
Save time with our convenient online platform to buy policies & file claims
Get advice from insurance experts with 20+ years combined experience, serving both SMEs and large multinational firms
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