Business Insurance

Protect your business with cost-effective insurance

Business Insurance

Plan Highlights

Coverage for Contents and Stock
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
Coverage for Business Interruption

Cover additional expenditure necessarily and reasonably incurred to avoid or minimise interruption to your business up to HK$750,000

Coverage for Loss of Money
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$75,000

Optional Protections
Optional Protections

Provide 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 at a Glance Maximum Benefits Payable (HK$)

Contents and Stock

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:

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

Additional Expenditure

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

Plus free extensions:

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

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:

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

Loss of Gross Profit

  • Reduction in turnover
  • Increase in cost of working
Sum Insured

Employees’ Compensation

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

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:

  • Provision and management of canteen, social, sports and welfare activities
  • Damage to rented premises
  • Overseas visits
  • Supply of free food and drink

Personal Accident

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


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.