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As a hawker, you’re an integral part of Singapore’s vibrant culinary scene. You dish out comfort food to large numbers of patrons, and you take pride in your work. But if the food or drink you sell causes food poisoning, your patrons can sue you, and you can even be fined. Hawkers are also prone to staff getting injured while preparing food. If your hawker stall gets damaged by fire, you’ll have to pay tens of thousands of dollars if you don’t have insurance. Use our online platform to get covered, today.
What does Hawker Insurance cover?
Importance for hawkers
Protects your hawker stall from property damage, e.g. fire, explosions, certain types of water damage, etc.
Protects your business from liability to third-parties for injuries or property damage.
Also covers food poisoning liability.
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 some claims examples for hawkers?
Commercial Property Insurance: Hawker stall destroyed by fire
A gas leak in your stove causes a fire to erupt while you’re cooking food. You rush out of the stall to grab a fire extinguisher. However, you fail to extinguish the fire. By the time firefighters arrive to put out the flames, it’s already too late. Your entire stall is burnt beyond repair. Several other neighbouring stalls are also destroyed. Commercial Property Insurance would pay to restore your hawker stall to its original condition. This includes renovating your stall, replacing damaged equipment, and replacing the food/drinks inventory you lost during the fire.
Work Injury Compensation Insurance: Hawker assistant injured while preparing food
Your hawker assistant accidentally cut his hand while chopping vegetables. He visits a doctor, who has to stitch his hand up. His medical bills end up being $700. He’s also given 2 weeks of medical leave. Under WICA laws, you must compensate your injured worker. You must pay his medical bills, and also his salary while he’s on MC. With WICA Insurance, the insurance company would cover these costs for you.
How much coverage do I need for my hawker stall?
Commercial Property Insurance: Most hawker stalls will benefit from $100,000 coverage. This should be adequate to cover renovation costs if your stall gets destroyed, e.g. by a large fire. If you run multiple hawker stalls that are joined together, you should consider having at least $100,000 property cover per stall unit.
Public Liability Insurance: Most hawkers should do well with $250,000 to $500,000 coverage, per stall.
- Work Injury Compensation Insurance: MOM has mandated a minimum of $45,000 medical expenses cover for each worker. This is a legal requirement under the Work Injury Compensation Act (WICA).
- Business Interruption Insurance: Hawkers should consider at least $20,000 to $50,000 coverage, per stall.
Foreign Worker Medical Insurance: MOM has mandated a minimum of $15,000 cover per foreign worker.
How much does Hawker Insurance cost?
Coverage amount (example)
From $24/month for a Hawker Insurance package deal
$10 million common law annual limit
$45,000 medical expenses cover per worker
$15,000 per worker
From $6/month, per worker
What are the benefits of using Provide for Hawker Insurance?
Provide gets you tailored online quotes for hawker insurance, at the lowest premiums.
Save up to 25% on premiums
Save time with our convenient online platform to get quotes, file claims, and manage policies
Expert insurance team with 20+ years experience serving both SMEs and large multinational firms
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