• Eating House: Stalls in foodcourts, food kiosks/counters, take-away outlets without dining-in facilities, include bakeries, delis, confectionaries including caterers and other related establishment.
• Restaurant: Establishments with dining-in facilities such as cafes, coffee houses, fast food restaurants, eating houses.

They need to be protected against:

Property All Risks 

Covers you against physical loss or damage to your roperty which includes landlord’s fixtures and fittings, stock and material in trade, furniture, fixtures and fittings, equipment, plant and machinery, office and business contents.

Workmen’s Compensation
Protects you for any liability under Workmen’s Compensation Act (Cap 354) or at common law to compensate your employees for death or bodily injury due to an accident in the course of employment.

Public Liability
Protects you against legal liability to third parties for accidental bodily injury or accidental property damage.

Personal Accident
Provides 24-hours’ worldwide protection for you and your employees against accident.

Machinery Breakdown
Provides cover for electrical, heating and cooling equipment (age of machine not exceeding 5 years) excluding mobile equipment in the event of mechanical or electrical malfunction.

Fidelity Guarantee
Insures you against loss of money and/or property due to fraud or dishonesty of your employees.

Health Emergency Loss Protection
Provides essential financial support in the event you are denied access into your premises due to an outbreak of any human contagious disease (eg, SARS and Hand, Foot, Mouth Disease)

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• AIG Food & Beverage (Eating House)
• AIG Food & Beverage (Restaurant)
• China Insurance Food & Beverage