Business Insurance
Why choose MSIG?
Coverage for Contents and Stock
Cover all contents and stock, including landlord’s fixtures and fittings for which you are responsible
Coverage for Business Interruption
Cover additional expenditure necessarily and reasonably incurred to avoid or minimise interruption to your business up to HK$1,000,000
Coverage for Loss of Money
Cover loss of money in your premises during business hours, in transit or in a bank night safe up to HK$100,000
Optional Protections
Provide protection against Business interruption, Employees’ Compensation, Personal Accident, Glass and Cyber Liability Extension.
Eco Support Coverage 
Additional cover of up to HK$5,000 per eligible loss/damaged appliance
Cyber Liability Extension
Up to HK$100,000 per occurrence and in aggregate
| Benefits at a Glance | Maximum Benefits Payable (HK$) |
|---|---|
Contents and Stock | |
| Basic cover | |
| Sum Insured 750,000 |
| 150,000 10,000 |
| 50,000 5,000 |
| 50,000 5,000 |
| 50,000 5,000 |
| 20,000 10,000 |
| 20,000 5,000 |
|
15,000 |
| Sum Insured |
| Extra cover | |
| |
| 5,000 |
|
10,000 |
|
75,000 |
| 12,000 or 5% of Sum Insured on Contents, whichever is greater |
| 10,000 |
| 50,000 25,000 |
|
Covered |
| Covered |
| 25,000 or 5% of Sum Insured, whichever is lower |
|
10,000 |
| 10% of the Sum Insured |
| 10,000 |
| 50,000 25,000 |
|
50,000 |
| Increased by 20%, up to HK$1,000,000 in January, February, November and December |
| 10,000 5,000 or 10% of Sum Insured, whichever is lower |
|
|
|
100,000 50,000 |
| 10,000 |
Business Interruption | |
| Basic cover | |
| Additional Expenditure such as the cost incurred for temporary premises and facilities if applicable | 1,000,000 |
| Extra cover | |
| Sum Insured on Business Interruption |
| Covered |
| 500,000 or 10% of Sum Insured, whichever is lower |
| Optional cover | |
Loss of gross profit
| Sum Insured |
Money | |
| Basic cover | |
| |
|
|
|
|
|
|
|
5,000 |
|
500,000 |
| Extra cover | |
|
50,000 |
| 10,000 |
|
50,000 |
| Limit of loss of money increased by 25% |
| Covered |
|
100,000 |
|
500 104 |
| 5,000 |
|
1,500 |
Employees’ Compensation | |
| Optional cover | |
| 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 | |
| Basic cover | |
Legal liability to third parties due to bodily injury and/or property damage arising from your business - Limit per occurrence |
10,000,000 |
| Extra cover | |
| Cover the legal liability incurred by the insured and arising from: | |
|
Covered |
| Covered |
| Covered |
| Covered |
|
5,000,000 |
| 1,000,000 |
- Limit per occurrence and in aggregate |
|
Personal Accident | |
| Optional cover | |
| 25,000 |
|
250 104 |
|
65 104 |
| 2,000 |
Glass | |
| Optional cover | |
| Additional covers on glass, for example in windows and display cases, against accidental breakage for its replacement cost | Sum Insured |
Cyber Liability Extension | |
| Optional cover | |
Cyber liability2 - Limit per occurrence and in aggregate |
100,000 |
1This benefit does not apply if the premises are located in a residential building.
2This benefit is applicable to policy with premium exceeding HK$10,000.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Major excess | Excess for each and every claim (HK$) |
|---|---|
Office Contents | |
| Each and every loss of damage (but not apply to fire, lightning or explosion, theft involves forcible entry/exit losses) | 1,250 |
| Computer breakdown | 1,000 and any additional expenditure incurred during the first 48 consecutive hours |
| Portable equipment | 1,000 or 10% of loss, whichever is the greater |
| Water damage | 3,000 or 10% of loss, whichever is the greater |
Public Liability | |
| Damage to rented premises | 500 |
Cyber Liability Extension | |
| Cyber liability | 5,000 |
