• 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
• Custome 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

Personal Care

• Slimming Centres 
• Foot Reflexology
• Hairdressing & Beauty Salons 
• Photo Finishing Services
• Bridal Studio & Related Services 
• Photo Copying Services (excluding publishing)

EduCare

• ChildCare Centres*
• Education/Tuition Centres*
• Child Day Care Centres*
• Before & After School Care Centres*

• Money changer, money lender, betting outlet and remittance outlet
   
• Market stalls
   
• All types of kiosks eg petrol kiosk, pushcarts
   
• Pawnshop, goldsmith, jewellery/gems/silver/precious stones or metal retailer and watch retailer
   
• Chinese medical hall engaging in traditional Chinese practices such as acupuncture, bonesetting etc or retailer in Sharksfin/Bird’s Nest/Abalone
   
• Tobacco, wine or spirits retailer
   
• Battery and tyre dealers, auto spare parts trading
   
• Motor showroom, motor workshop and repair workshop
   
• Glassware, chinaware, crystal, porcelain, curios & furs, antiques or works of art, stamps and coins
   
• Joss sticks or joss papers, candles, charcoal, kerosene or LPG and other flammable gas or liquid etc related trades
   
• Storage and sale of hazardous/combustible goods
   
• Industrial hardware retailers
   
• Aesthetic business like tattoo parlours, ear piercing services and any other forms of bodyart
   
• Laundromats except laundry collection centre
   
• Accommodation providers such as hotels, hostels, guesthouses and the like
   
• Healthcare services like medical & dental clinics
   
• Health centre, massage parlour, spa, health & fitness centre & gymnasium
   
• Pest control
   
• Junk goods & second hand goods dealer
   
• Paint & varnish 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