Retail Shop Insurance in Singapore

• Property, inventory, and equipment insurance: Coverage for your shop premises and equipment. Protects you from risks like fire, water damage, burglary, vandalism, etc.
  
  For instance, a fire in your shop breaks out and destroys the premises. This insurance will pay for repairing your shop, replacing your inventory, and replacing any damaged equipment. 

• Public liability insurance: Coverage if customers injure themselves in your shop.
  

  For instance, one of your staff leaves a puddle on the floor. A customer slips and falls in your shop. They can sue you for personal injury damages and medical expenses incurred. 

• Work injury insurance: Coverage for employee injuries/infectious disease, including Covid-19 infections.
  

  For instance, one of your staff gets Covid-19 after interacting with customers, and spreads it to all your other staff. This insurance will pay for lost wages while quarantined, medical expenses, and legal expenses if your workers sue you for creating an unsafe work environment.

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• Customer injuries: Customers getting hurt while in your shop. 
  
  For instance, if a customer slips and falls, they can sue you for personal injury damages and medical expenses. Barbers can also accidentally hurt customers while doing things like cutting hair, or applying strong hair dyes.

• Staff suffering injuries/infectious disease: Staff injuries, or staff contracting Covid-19 infections. Given the close proximity that barbers work with clients, the chance of Covid-19 infections cannot be ignored.

   

  Under Singapore law, business owners are responsible for paying the medical expenses and lost wages of staff who are injured/sick due to work-related causes.

• Property/equipment damage: Risks like fire, water damage, burglary, and vandalism.

  For instance, an electrical fault could occur from a power outlet with too many attached devices. This could start a fire, destroying your premises, inventory, and equipment.

Provide gets you tailored online quotes for shops insurance, at the lowest premiums. 

• Save up to 25% on premiums 

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