• Calculators, typewriters, and other office equipment
• Computer hardware and software 
• Computer and office equipment consumables (e.g. diskettes, computer cards and ribbons)
• Handphone, cameras (subject to Deductible $500 on Section 1)

Food, Drinks, Confectionery, and General Provision Shops

• Fruits and vegetables
• Meat, poultry, eggs, and seafood 
• Confectionery and biscuits
• General merchandise and sundry shops
• Foodstuff (excludes establishments with dining-in facilities)
• Supermarket/minimart (excluding shops within petrol stations)

Textiles, Boutiques, and Footwear 
(includes the sale of dress watches up to a maximum of 100 pieces subject to a limit of $200 per piece)

• Textiles 
• Apparel 
• Laundry collections centres
• Shoe Repair
• Costume Jewellery

Furniture Furnishing and Household Equipment

• Furniture (including mattresses and cushions)
• Furnishing (e.g. curtains, carpets, and pillow cases)
• Lighting and lighting accessories
• Crockery, cutlery, and kitchen utensils
• Household electrical appliances and equipment (e.g. vacuum cleaners, washing machines, refrigerators)
• Radio and television sets, sound producing and recording equipment
• Home furnishings and household equipment
• Household DIY Shop

Sporting and Recreational Goods Accessories

• Sporting, athletic goods and equipment 
• Record albums, cassette tapes and compact discs 
• Toys and games

Handicrafts, Florists, and Gift Shops

• Florists 
• Artificial flowers and plants
• Handicrafts and gifts

Books, Magazines, Stationery, and Paper Products

• Books, magazines and stationery
• Paper products

Optical Shops

• Spectacles and other optical goods

• Antiques / Works of Art, Curios & Furs, Stamps and Coins
   
• Auto Spare Parts Training
   
• Battery and Tyre Dealers
   
• Betting Outlets
   
• Chinese Medical halls engaging in traditional chinese practices such as acupuncture or bonesetting
   
• Glassware, Chinaware, Crystal, Porcelain
   
• Goldsmith, Jewellery / Gems / Silver / Precious stones or Metal Retailers
   
• Industrial Hardware Retailers
   
• Joss Sticks or Joss Papers, Candles, Charcoal
   
• Junk goods and second hand goods dealers
   
• Kiosks of all types
   
• LPG and other flamable gas or liquid
   
• Market Stalls
   
• Money changers or lenders
   
• Motor Workshop / Showroom
   
• Paint and Varnish retailers
   
• Pawnshops
   
• Pushcarts
   
• Remittance outlets
   
• Shark's fin / bird's nest / abalone retailers
   
• Storage and Sale of combustible goods
   
• Tobacco, Wine or Spirits retailers
   
• Watch retailer

Other Exclusions

• Premises not made of bricks, tiles, concrete construction
   
• Property kept in the open or without perimeter, fence or security
   
• Premises occupied for manufacturing, warehousing, assembly or solely storage of goods
   
• Risk involving works offsites, works on board vessel & not situated in Singapore

Referral

• Pre-war premises
   
• Premises shared with other business or sub-letting to other occupants