Commercial Insurance

Commercial Insurance

Office Package / Business Package

Office comprehensive insurance is an all-in-one policy tailored for offices based on factors such as business type, company size, and geographical location, providing clients with comprehensive protections for different aspects of daily office operations. Help your business put its best foot forward with all-round protection.

Coverage highlights:

  1. All risks on office contents and stock
    Covers the accidental loss or damage to office property, computer equipment, systems, and data media.
  2. Business Interruption
    Indemnifies you for additional expenditure you may incur after an insured loss and interruption of your business for more than 48 consecutive hours.
  3. Public Liability Insurance
    Insures you against legal liability for third party bodily injury and/or property damage arising from your business.
  4. Loss of money
     Reimburses loss of cash, bank notes, cheques, money orders and postal orders
  5. Office assault – personal accident
    This insurance provides compensation of accidental death or permanent total disablement for you or your employees as a result of a robbery or attempted theft in the premises,Optional cover：
  6. Employees’ compensation
    Legal liability under the Employees’ Compensation Ordinance for bodily injury to employees.

Commercial Insurance

Shop Package / Business Package

We know that you have invested a lot of time and energy in the construction of your store, so it is very important to make proper arrangements for your store to prevent losses due to accidents such as fire, theft, and flooding. Shop Insurance is specially tailored for SME enterprises. It is an all-in-one insurance plan that protects your business contents against all risks (such as fire, burglary, water damage, etc.,), money, personal accident, increase in cost of working, public liability and optional employees’ compensation. With this comprehensive protection, you can rest assured and develop your business without worry.

Coverage highlights:

  1. Shop Contents Insurance
    Covers the accidental loss or damage to shop contents.
  2. Business Interruption Insurance
    Covers the extra expenses incurred to restore normal conduct of business following damage by an insured event.
  3. Money Insurance
    Covers the loss of cash, cheques, bankers’ drafts and credit card sales vouchers etc.
  4. Office assault – personal accident
    A lump-sum in the event of accidental death or permanent total disablement.
  5. Public Liability Insurance
    Legal liability for third party bodily injury or damage to third party property happening in connection with the business.

    Optional cover：

  6. Employees’ Compensation
    Legal liability under the Employees’ Compensation Ordinance for bodily injury to employees

Commercial Insurance

Public Liability Insurance

Public Liability Insurance protects the client’s legal liability against body injuries or property damage to a third party due to negligence in connection with the client’s business, which helps reduce the client’s financial burden in case of accidents.

If you operate an office or shop, the office package policy and shop package policy already include this coverage. You can also arrange insurance coverage for a particular event or activity, such as a concert, promotion exhibition or sports competition.

Coverage highlights:

  1. Sums you’re legally liable to pay to a 3rd party for bodily injury or property damage
  2. All costs and expenses incurred for defending any claims against you

Commercial Insurance

Commercial Vehicle

Generally speaking, a commercial vehicle refers to a vehicle used to transport goods (except light goods vehicles) or carry passengers, including heavy goods vehicles, buses, public light buses, taxis, coaches, etc. Like private car insurance, there are two types of commercial vehicle insurance, namely comprehensive auto insurance and third-party liability insurance. Any vehicle including vans used for commercial purposes in Hong Kong must be insured. Third party coverage is the most basic form of motor insurance available in Hong Kong that meets the minimum car insurance coverage requirements set out by the Transport Department in Hong Kong.

Comprehensive Cover

In the event that your corporate vehicle is lost, stolen, or damaged, then a Comprehensive Commercial Vehicle insurance policy will protect you up to the reasonable market value, or the policyholder’s estimated value, of the Motor Vehicle at the time of its loss or damage

Third-party liabilities Cover

Covers your legal liability to any third parties, including death of or bodily injury to third parties as well as damage to the property of third parties.

Commercial Insurance

Marine Cargo Insurance

Marine Cargo and Goods in Transit Insurance is an integral part of International Trade and is required by Importers, Exporters, Manufacturers, Distributors, Retailers, Wholesalers and others engaged in the transportation of goods by sea, air, road, rail and post. The main hazards exposed during transit are:

In Hong Kong market, the most commonly used clauses are the Institute Cargo Clauses (A) 1/1/1982, which provide coverage in respect of All Risks of loss of or damage (subject to certain exclusions) to the subject matter insured whilst in transit.

Cargo transportation insurance can tailor insurance policies according to your needs.

Commercial Insurance

Export Credit Insurance

The export trade can be fraught with pitfalls. You’re either unfamiliar with local laws and customs regulations, or you’re operating in a region of heightened political uncertainty, which can cause rapid or frequent shifts in the terms of trade. Export credit insurance covers the risk of failure to collect receivables due to export loans to overseas buyers, protecting your company from unpaid invoices.

Export credit insurance can help you:

  1. Expand your customer base
  2. Expand trading business
  3. Secure cash flow
  4. Improve your access to financing

Commercial Insurance

The Incorporated Owners Third Party Insurance

By Cap. 344 Building Management Ordinance requires all building owners’ corporations must arrange compulsory third-party liability insurance on its building to cover third party’s death or bodily injury legal of not less than HK$10,000,000.

Main policy Benefit：

Sums you’re legally liable to pay to a 3rd party for bodily injury or property damage

All costs and expenses incurred for defending any claims against you

Commercial Insurance

Property All Risk

Your company is an ongoing business, so a comprehensive coverage of your operations and premises is a necessity. Property insurance covers any external damage to or physical loss of your property and business utensils

Fire Insurance

Covers loss of or damage to the property insured, such as the building, furniture, fixture and fittings, stock, trade utensils, etc., caused by fire, lightening and/or explosion.

Marine Cargo Insurance

Protects against loss of or damage to the cargo during the course of transportation by sea / air / overland.

Money Insurance

Provides indemnity against the loss of money owing to burglary or theft whilst the money is kept in the premises or cash-in-transit to / from the premises and the bank. Cover includes banknotes, postal orders, cheques, etc.

Contractors’ All Risks Insurance

Covers accidental loss of or damage to property due to fire, burglary or accidental damage at the site. Includes any legal liability in respect of bodily injury or death or property damage of any person.

Burglary Insurance

Protects against loss of or damage to the property insured such as stock, trade utensils, equipment, etc., caused by burglary.

Commercial Insurance

Group Medical Insurance

Your employees are your company’s most valuable asset. Providing your team with comprehensive medical benefits will boost employee satisfaction, ultimately resulting in the attraction and retention of talent for your company. Group Medical Insurance plans can tailor-made employee protection plans according to your budget and requirements. This scheme provides quality yet affordable cover to protect your employees’ health and give them peace of mind.

Coverage highlights:

  1. Hospital and Surgical Benefit
  2. Clinical Benefit
  3. Optional Supplementary Major Medical Benefit
  4. Optional Maternity Benefit
  5. Dental Benefit (Optional)

Commercial Insurance

Group Personal Accident Insurance

Accidents and work injuries can happen unexpectantly. As an employer, besides offering your employees a safe environment to work in, you will also wish to protect their families by offering them compensation and assistance in the event of any injury. Group accident insurance provides flexible coverage to meet the needs of your company’s different business scales.

Main policy Benefit：

  1. Accidental Death
  2. Permanent Disability
  3. Temporary Disability
  4. Medical Expenses