For HOME CHEFS
Mandatory Liability Insurance
Tingkatz Pte Ltd (Hommyliciouz) has arranged an insurance program for all Home Chefs (HC) registered on our platform. All
our HCs will be covered for Combined General Liability (CGL) with a top rated insurer in Singapore.
This insurance is mandated by Tingkatz to give clients a layer of comfort in transacting with the HC
through the Tingkatz platform.
What are HCs covered for?
CGL covers the HC where they are legally liable to pay by way of compensation (including costs
awarded against the HC) in respect of:
to third parties for any accidents caused by the HC or by unforeseen and unknown contamination of
How much are the HCs covered for?
The policy covers all HCs in the aggregate and individually up to SGD250,000 within the active policy
Is this sufficient?
Tingkatz by no means warrants that such insurance and/or its limits are sufficient to cover any or all
legal liability that the HC may face. HCs are encouraged and free to purchase additional insurances
or insurance limits are their own costs.
Does this insurance cover injury to the HC or damage to their equipment?
No. This is a third-party liability insurance.
What if there is a claim situation?
attention first for the claimant.
never say you will pay for any damages caused EVEN IF it is very obvious that you are at
fault. If you do, this may compromise the insurance cover.
demand is made against you, retain the demand notice. Give the claimant a holding
statement and direct all the above to Tingkatz.
Sorry for any inconvenience caused. Please allow us some time to consider and come back
to you soonest we can.”Are there any terms and conditions for this cover?
Yes. As with any insurance policy, there are terms and conditions. While we have structured a cover
with a leading insurer in the market with superior policy wordings, there will always be situations
where cover cannot be accorded. For example, if there is criminal liability involved or if the HC is
fined by the authorities, such liability cannot be covered by the policy.
Reach out to us if you would like to find out the full details of the policy wording.
How much will this insurance cost?
This insurance is paid by Tingkatz for all HC utilizing Hommyliciouz mobile app for transactions. Therefore it is FREE for HC.
Will the HC be covered for activity beyond Tingkatz and/or its platform(s) (Hommyliciouz)?
No. This cover is only applicable for HC activity and transactions made on or through Tingkatz and/or
its platform(s) ie Hommyliciouz. If you sell directly to clients that is not registered through Tingkatz (Hommyliciouz), there will be no insurance cover provided by this arranged policy.
Additional condition for Insurance Coverage
All HC registered on Tingkat (Hommyliciouz) platform must go through and pass the Online Basic Food Hygiene training.
Tingkatz (Hommyliciouz) may conduct audit on your premise (kitchen) where food is prepared to ensure you follow the guidelines in the Basic Food Hygiene Training.
For Users / Customers
As an additional offer of assurance to users of Tingkatz (Hommyliciouz), we have arranged for all our Home Chefs
(HC) to be insured for general liability with a top-rated insurer in Singapore. Terms and conditions
How does this benefit me?
In case of any accidents or in the unlikely event that food served is contaminated, you will have
security against an insurer who has agreed to insure Tingkatz (Hommyliciouz) and the HCs. The insurers willingness
to underwrite our risk also gives you additional comfort engaging through the Tingkatz platform.
What will this cost me?
Nothing. The cost of this insurance will be borne by HCs on the platform.
Can I claim against this insurance if I deal directly with the HC?
This insurance is only applicable for activity and transactions engaged through Tingkatz and/or its
platform(s). Any direct dealing with HCs will not be covered under this insurance.
What if I want to make a claim?
Please attend to the situation to stabilise matters in good faith. Thereafter, provide a statement of
what has happened with as much relevant details as possible e.g. order number, date and time of
incident, name of HC etc. If photos will help, please do take with as much perspective as possible.
Please relay all information to Tingkatz and we will get back to you as fast as we can.