The product features compulsory cover for All Risks or Fire & Extra Perils

 

Optional covers include

1. Employees’ Compensation

2. Public Liability

3. Business Interruption

4. Loss of Money

5. Glass Breakage & Neon Sign

6. Fidelity Guarantee

7. Electronic Equipment

8. Burglary

 

Brochure

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Compulsory Cover

1. All Risks

OR

2. Fire & Extra Perils

• Insures your physical assets, including buildings, furniture, fixtures & fittings, tenant's improvements, decorations, machinery and equipment, trade samples or stock-in-trade, in the event of fire and other extra perils such as typhoons, earthquakes, damage by aircraft, storm and flood

Free Additional Benefits

• Fire Extinguishing Expenses
•  Landslip and Subsidence

Optional Cover

1. Employees’ Compensation

• Insures you as an employer under the Employees' Compensation Ordinance and Common Law for bodily injuries to your employees arising out of and in the course of employment

2. Public Liability

• Insures you against legal liability for third party bodily injury, and/or property damage arising from your business

Free Additional Benefits

• Fire Brigade & Water Damage Liability
• First Aid
• Overseas Visits
• Social & Sport Activities
• Tenant’s Liability

 

3. Business Interruption

• Indemnifies you on loss of gross profits, gross revenue, wages &/or increased cost of working you may incur if your business is interrupted because of loss, destruction or damage by an insured event

4. Loss of Money

• Reimburses you any loss of money, such as:

    - Inside the premises and locked in safe or strong room during office/business hours
    - In transit anywhere within Hong Kong
    - In a bank night safe

Free Additional Benefits

• Office Assault – Personal Accident
• Damage to Safe or Strongroom

5. Glass Breakage & Neon Sign

• Covers accidental breakage of fixed glass or neon sign

6. Fidelity Guarantee

• Insures you against the loss of money or other property due to fraud or dishonesty by your employees

7. Electronic Equipment

• Covers your electronic equipment, namely computers, systems and data media, on "All Risks" basis including any unforeseen and sudden physical loss or damage
•  Additional expenditure incurred due to total or partial interruption of operation to your electronic equipment is also covered

8. Burglary (Only applicable if select “Fire & Extra Perils” in the Compulsory Cover Section)

• Indemnifies you against loss of property caused by burglary and theft involving forcible and violent entry to your business premises (including attempted theft)
•  Provides you indemnity for damage to your premises, if you are responsible for making good such damage

Free Additional Benefit

• Armed Robbery/Hold-Up

Eligibility

• Mid-commercial businesses
• "Type of Business" within our underwriting acceptance: Business such as hotel, serviced apartment, school, light industry, general products manufacturer, manufacturing support industry, non-hazardous & non-flammable goods distributor and trading company are examples that fit into this plan

N.B. Minimum premium per policy is $5,000

To apply or for details, please contact your insurance consultant or call us.

 

Proposal Form

Click to download a Proposal Form