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Office Insurance

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A comprehensive insurance policy specifically designed for SMEs in Hong Kong

Why choose MSIG?


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Loss or Damage to Office Contents Temporarily Removed from Premises

Protection against loss of or damage to digital cameras, DV and other surveying equipment when temporarily removed from the premises

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Loss Arising from Mechanical or Electrical Breakdown

Fixed computers, systems and data are protected against mechanical or electrical breakdown

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Loss Caused by Theft

Personal property of your employees is protected against any loss caused by theft up to HK$3,000 per person per occurrence

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Public Liability Cover

Up to HK$10,000,000 per event

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Eco Support Coverage new-icon

Additional cover of up to HK$5,000 per eligible loss/damaged appliance

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Exhibition fairs or trade shows new-icon

Cover Contents, Sample Stock and Public Liability for participation in exhibition fairs or trade shows in Hong Kong

Office ContentsMaximum Benefits Payable Per Year (HK$)

Basic cover

1. Equipment or machinery (unless specifically mentioned)

Limit per item

Sum Insured
150,000 upgrade-icon

2. Computer systems’ records

Limit per item

150,000 upgrade-icon
10,000

3. Deeds, documents, cards, tapes, files or transparencies

Limit per item

50,000 upgrade-icon
5,000

4. Personal effects

Limit per person

$50,000 upgrade-icon
$5,000

5. China, porcelain, works of art or curiosity

Limit per item

200,000 or 10% of Sum Insured, whichever is lower upgrade-icon
10,000 

6. All loss or damage

Sum Insured

Extra cover

1. Contents temporarily removed from premises:

 

i) Surveying or photographic equipment

5,000

ii) Documents in transit within Hong Kong

Limit per occurrence


10,000 upgrade-icon

iii) Trade samples in transit within Hong Kong

Limit per occurrence


50,000

iv) All other property

15% of Sum Insured on Contents upgrade-icon

2. Replacement of locks

5,000

3. Replacement of roller shutter door

20,000 upgrade-icon

4. Breakage of fixed glass

Covered

5. Damage to office contents affected by decoration works at the premises

Contract value up to HK$1,000,000 

Covered upgrade-icon

6. Damage to office premises in case of theft or attempted theft

Covered

7. Removal of debris

50,000 or 10% of Sum Insured on Contents, upgrade-icon
whichever is lower 

8. Architects’, surveyors’, consultant engineers’ fee

5,000 new-icon

9. Fire extinguishing expenses

Limit per occurrence


50,000 upgrade-icon

10. Breakdown of computer equipment
 

  • Costs of repair or replacement
  • Additional expenditure incurred for the use of substitute computer equipment


100,000
50,000

11. Loss of rent

10,000

12. Eco support coverage*

Limit per item

10,000 
5,000 or 10% of Sum Insured, whichever is lower new-icon

13. Exhibition fairs or trade shows
 

  • Cover loss of or damage to insured property for participation in exhibition fairs or trade show in Hong Kong, with a maximum duration of 14 days
  • Limit per occurrence



100,000 new-icon

Optional cover

Worldwide portable equipment

Sum Insured

* This benefit does not apply if the premises are located in a residential building.

Business InterruptionMaximum Benefits Payable Per Year (HK$)

Basic cover

Additional Expenditure such as the cost incurred for temporary premises and facilities if applicable

1,000,000 upgrade-icon

Extra cover

1. Professional accountants’ charges

10% of Sum Insured

2. Denial of access for more than 48 hours to your premises due to damage to property in the vicinity of the premises

10% of Sum Insured

3. Failure of public utility supply

By damage to electricity stations, water works or gas works of public

500,000 upgrade-icon
or 10% of Sum Insured, whichever is lower

Optional cover

Loss of gross profit
 

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

MoneyMaximum Benefits Payable Per Year (HK$)

Basic cover

1. Loss of money

 

i) In your premises during business hours, in transit or in a bank night safe

Limit per occurrence


50,000

ii) In your premises out of business hours and in a locked safe or strongroom

Limit per occurrence


50,000 upgrade-icon

iii) In your premises out of business hours but secured other than in a locked safe

Limit per occurrence


50,000 upgrade-icon

iv) In your residence or that of your directors, partners or employees

Limit per occurrence

5,000 upgrade-icon

2. Crossed cheques and other non-negotiable items

Limit per occurrence


500,000

Extra cover

1. Damage to safes or cases directly associated with theft or attempted theft

Limit per occurrence


30,000

2. Cash cheque signed under violence or threat of violence

10,000

3. Loss of money arising from fraudulent or dishonest act of any of your director(s), partner(s), or employee(s)

50,000

4. Personal assault as a result of attempt of theft during business hours

Covered

i) Accidental death, permanent disablement, or loss of a limb

Limit per person


250,000 upgrade-icon

ii) Temporary disablement from usual occupation
 

  • Limit per week
  • Maximum no. of weeks


300
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iii) Medical expenses

1,500

iv) Hospital cash

Limit per week

1,500 new-icon
500 

v) Personal effects

Limit per person per occurrence


3,000 upgrade-icon

Employees' CompensationMaximum Benefits Payable Per Year (HK$)

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 LiabilityMaximum Benefits Payable Per Year (HK$)

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:

 

1. Interior decoration work performed by independent contractors at the premises 

Contract value up to HK$1,000,000

Covered upgrade-icon

2. Provision and management of canteen, social, sports and welfare activities

Covered

3. Damage to rented premises

Covered

4. Overseas visits

Covered

5. First aid facilities/treatments

Covered upgrade-icon

6. Food and drink poisoning

Free supply


5,000,000 upgrade-icon

7. Exhibition fairs or trade shows being held within any premises in Hong Kong, with a maximum period of 14 days

Limit per occurrence and in aggregate

 

1,000,000 new-icon

 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)500
Water damage3,000 or 10% of loss, whichever is the greater
Worldwide portable equipment (optional)1,000 or 10% of loss, whichever is the greater
Computer breakdown1,000 and any additional expenditure incurred during
the first 48 consecutive hours

Public Liability

Damage to rented premises500
Water damage3,000 or 10% of loss, whichever is the greater
Other third-party property damage500
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