Office Insurance

Office Insurance

A comprehensive insurance policy specifically designed for SMEs in Hong Kong

Key Features

  • Protection against loss of or damage to digital cameras, DV and other surveying equipment when temporarily removed from the premises
  • Fixed computers, systems and data are protected against mechanical or electrical breakdown
  • Personal property of employees is protected against loss by theft

Plan Highlights

  • Office notebooks are optionally covered across borders
  • Covers Public Liability of up to HK$10,000,000 per event
  • You are protected against any loss of gross profit incurred following insured damage to your office contents up to 24 months (optional cover)
  • Trade samples in transit in Hong Kong are protected up to a limit of HK$50,000

Other Information

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Plan details


Contents and Stock (Basic) Maximum Benefits Payable Per Year (HK$)

Office Contents


Office Contents (Basic)

Office equipment or machinery (unless specifically mentioned)
$100,000 per item; up to the selected sum insured
Computer systems’ records $50,000
Deeds, documents, cards, tapes, files or transparencies $5,000 per item; $20,000 in aggregate
Personal effects $5,000 per employee; $20,000 per year
Works of art $10,000 per item; $100,000 in aggregate but not exceeding 10% of sum insured

Office Contents (Plus free extensions)

Contents temporarily removed from premises:
i) Surveying or photographic equipment $5,000 in aggregate
ii) Documents in transit within Hong Kong $5,000 per loss
iii) Trade samples in transit within Hong Kong $50,000 per loss
iv) All other property 10% of sum insured
Damage to office contents affected by decoration works at the premises Covered; subject to contract value not exceeding $500,000
Damage to office premises in case of theft or attempted theft Covered
Removal of debris 5% of sum insured
Fire extinguishing expenses $10,000
Breakdown of computer equipment: $100,000 in aggregate
i) Costs of repair or replacement $100,000 in aggregate
ii) Additional expenditure incurred for the use of substitute computer equipment $50,000 in aggregate
Replacement of locks & roller shutter door $5,000 in aggregate
Loss of rent $10,000 in aggregate

Business Interruption


Additional Expenditure

Additional expenditure such as the cost incurred for temporary premises and facilities if applicable
$750,000 per year

Loss of Gross Profit (Optional)

Loss of Gross Profit due to
  • Reduction in takings and;
  • Increase in costs of working
Up to selected sum insured

Business Interruption (Plus free extensions) (Applicable to both items)

Professional accountants’ fees for the purpose of claim verification
10% of sum insured
Denial of access to your office premises due to damage to property in the vicinity of the premises 10% of sum insured

Loss of Money


Loss of Money

Inside premises during business hours, in transit or in a bank night safe
Inside premises out of business hours and in a locked safe or strongroom $20,000
Inside premises out of business hours but secured other than in a locked safe $5,000
In your residence or that of your directors, partners or employees $3,000
Crossed cheques and other non-negotiable items $500,000

Loss of Money (Plus free extensions)

Damage to safes or cases directly associated with theft or attempted theft
Cash cheque signed under violence or threat of violence $10,000
Personal assault as a result of attempt of theft during business hours $30,000

Employees’ Compensation


Employees’ Compensation (Optional)

Liability under the Employees’ Compensation Ordinance for employees’ bodily injury or death arising out of and in the course of employment
As per Employees’ Compensation Ordinance

Public Liability


Public Liability (Basic)

Legal liability to third parties due to bodily injury and/or property damage arising from your business
$10,000,000 per event

Plus free extensions to cover the legal liability incurred by the insured and arising from:

  • Interior decoration work performed by independent contractors at the premises (contract value up to $500,000)
  • Provision and management of canteen, social, sports and welfare activities
  • Damage to rented premises
  • Overseas visits
  • Supply of free food and drink

This benefit table is only a summary of product features and does not constitute any part of the policy itself. Full details of the policy cover, exclusions and excess imposed for each section can be found in a copy of the Office Insurance policy. Ask your insurance advisor for details.

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.