Business Insurance
Protect your business with cost-effective insurance
Plan Highlights
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Coverage for Contents and StockCover all contents and stock, including landlord’s fixtures and fittings for which you are responsible |
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Coverage for Business InterruptionCover additional expenditure necessarily and reasonably incurred to avoid or minimise interruption to your business up to HK$750,000 |
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Coverage for Loss of MoneyCover loss of money in your premises during business hours, in transit or in a bank night safe up to HK$75,000 |
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Optional ProtectionsProvide protection against stock in transit, loss of gross profit, legal liabilities to employees and members of the public, personal accident and accidental breakage of glass |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable (HK$) |
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Contents and Stock |
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| Equipment or machinery (unless specifically mentioned) | $750,000 per item |
| Computer systems’ records | $10,000 per item; $50,000 in aggregate |
| Deed, document, card, tape or transparency | $5,000 |
| Personal effects | $4,000 per person |
| Any stock | $15,000 per article |
| All loss or damage | Sum Insured |
Plus free extensions: |
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Contents temporarily removed from premises: i) Surveying or photographic equipment |
$3,500 in aggregate |
| ii) Documents in transit within Hong Kong | $3,500 per loss |
| iii) All other property | $12,000 or 5% of Sum Insured on Contents whichever is greater |
| Damage to premises in case of theft or attempted theft | Covered |
| Removal of debris | 5% of sum insured |
| Stock in transit within Hong Kong | $50,000 per loss |
Business Interruption |
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Additional ExpenditureAdditional expenditure such as the cost incurred for temporary premises and facilities if applicable |
$750,000 per year |
Plus free extensions: |
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| Professional accountants’ charges | Sum Insured |
| Denial of access for more than 48 hours to your premises due to damage to property in the vicinity of the premises | Covered |
Loss of Money |
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| In your premises during business hours, in transit or in a bank night safe | $75,000 |
| In your premises out of business hours and in a locked safe or strongroom | $50,000 |
| In your premises out of business hours but not in a safe or strongroom, or in your residence or that of your directors, partners or employees | $5,000 |
| Crossed cheques and other non-negotiable items | $500,000 |
Plus free extensions: |
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| Damage to safes or cases directly associated with theft or attempted theft | $20,000 per loss |
| Cash cheque signed under violence or threat of violence | $10,000 in aggregate |
| Suffer bodily injury or death as a result of attempted theft during business hours | $50,000 |
Optional Covers |
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Loss of Gross Profit
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Sum Insured |
Employees’ Compensation |
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| 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 |
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| Legal liability to third parties due to bodily injury and/or property damage arising from your business | $10,000,000 per event |
Plus free extensions to cover the legal liability incurred by the insured and arising from:
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Personal Accident |
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Pays you in respect of each unit of compensation insured for the injury to the insured person. The maximum number of units of compensation for each person insured is no more than 20. |
Maximum benefit payable per unit (HK$) |
| Death, permanent disablement or loss of a limb | $25,000 |
| Temporary total disablement from attending usual occupation | $250 per week (up to 104 weeks) |
| Temporary partial disablement from attending to a substantial and essential part of usual occupation | $65 per week (up to 104 weeks) |
| Medical expenses | $2,000 |
Glass |
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Covers glass, for example in windows and display cases, against accidental breakage for its replacement cost |
Sum Insured |
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 Business 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.