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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. Â 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 |
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.
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.
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 |
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. Â 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 |
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