SmartPlan F&B
All Risks InsuranceMoney InsuranceEmployer's Liability InsurancePublic Liability InsuranceBusiness Interruption InsurancePackage Details
Suitable for a food & beverage business such as a cafe and a restaurant with the sum insured that is not over than 30 million baht
Coverage Table
| Main Coverage | Plan A : Standard Coverage | Plan B : Build your own | ||||
|---|---|---|---|---|---|---|
| Sum Insured / Limit of Liability (Baht) | Maximum Sum Insured / Limit of Liability (Baht) | Premium Rate | ||||
| Basic Plan | Classic Plan | Gold Plan | ||||
1 |
All Risks |
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Covers Building and Contents from All Risks (i.e. Fire, Lightning, Explosion, Vehicle impact, Aircraft Impact, Water damage, Smoke, Bush fire, Accidental damage, Riot strike, Malicious acts or vandalism etc.) Burglary (forcible entry) Fixed Glass Deductible : Baht 2,000.- each and every loss excluding Fire and Lightning |
1,000,000 |
2,000,000 |
3,000,000 |
30 MTHB |
Premium Rate as table below |
|
|
Flood Deductible : 10% of Loss or Min 25,000 Baht for each and every loss which is higher |
10,000 |
10,000 |
10,000 |
10% of All Risks Sum Insured, Max 2 MTHB |
100 Baht for every 10,000 Baht insured |
|
Natural perils (Windstorm, Earthquake, Hail) |
100,000 |
100,000 |
100,000 |
30% of All Risks Sum Insured |
50 Baht for every 100,000 Baht insured |
|
All Risks Special Coverage |
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Electrical Injury Deductible : Baht 2,000.- each and every loss |
10,000 |
20,000 |
30,000 |
100,000 |
50 Baht for every 10,000 Baht insured |
|
|
Breakage of All Advertising and Neon Signs Deductible : Baht 2,000.- each and every loss |
10,000 |
20,000 |
30,000 |
50,000 |
70 Baht for every 10,000 Baht insured |
|
Repairing entrance cost from Burglary, Robbery |
50,000 |
50,000 |
50,000 |
50,000 |
Free of charge |
|
Rental Cost of Temporary Outlet (Max. 30 Days, and per day) |
1,000 |
2,000 |
3,000 |
4,000 Baht/day |
30 Baht for every 1,000 Baht/day insured |
|
Fire Brigade Charges and Extinguishing Cost |
10,000 |
20,000 |
30,000 |
1% of All Risks Sum Insured |
Free of charge |
|
Removal of Debris |
10,000 |
20,000 |
30,000 |
1% of All Risks Sum Insured |
Free of charge |
|
2 |
Money Insurance |
10,000 |
20,000 |
30,000 |
50,000 |
50 Baht for every 10,000 Baht insured |
3 |
Public Liability Insurance |
1,000,000 |
2,000,000 |
3,000,000 |
20 MTHB |
100 Baht for every 1,000,000 Baht insured |
Covers accidental damage directly from Advertising and Neon Signs |
10,000 |
20,000 |
30,000 |
1% of Limit of Public Liability |
Included in Limit of Public Liability |
|
Covers Loss of life or Injury from Food and Drink |
10,000 Baht / person 100,000 Baht / event and 1 MTHB in aggregate |
10,000 Baht/person 100,000 Baht/event and 1 MTHB in aggregate |
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Tenants’ and Occupiers’ Liability |
100,000 |
200,000 |
300,000 |
10% of Limit of Public Liability, Max 500,000 Baht |
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Premium (Excl.vat&stamp duty) |
2,500 |
5,000 |
7,500 |
Minimum Premium (Excl.vat&stamp duty) |
2,000 |
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Remark : For Plan B, you will get minimum coverage Basic Plan and can build your own |
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