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Shop Insurance

upgraded

Cost effective way to insure your shop

Why choose MSIG?


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Equipment or Machinery Cover

HK$150,000 per item

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Fixed Glass or Mirror Cover

HK$20,000 in aggregate

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Fire Extinguishing Expenses Cover

HK$50,000 in aggregate

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Advertising Signs, Neon Signs and Signboard Cover

HK$50,000 in aggregate

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

Contents and StockMaximum 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 or transparencies

Limit per item

50,000 upgrade-icon

5,000

4. China, porcelain, works of art or curiosity

Limit per item

200,000 or 10% of Sum Insured on Contents, whichever is the less upgrade-icon

10,000

5. Personal effects

Limit per person 

50,000 upgrade-icon

5,000

6. Fixed glass or mirror 

Limit per occurrence

20,000 upgrade-icon

10,000

7. Any stock

Limit per item

 

35,000 upgrade-icon

8. 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) Stock in transit within Hong Kong

Limit per occurrence


50,000

iv) All other property

15% of Sum Insured on Contents upgrade-icon

2. Damaged frozen food/refrigerated stock

Limit per occurrence


10,000 new-tc-icon

3. Damage to property in the open area by fire, lightning, explosion or vehicle impact  

25,000 or 5% of Sum Insured, whichever is lower new-tc-icon

4. Replacement of locks

10,000 upgrade-icon

5. Replacement of roller shutter door

Limit per occurrence

50,000 upgrade-icon

25,000

6. Damage to contents affected by decoration works at the premises

Contract value up to HK$500,000 

Covered upgrade-icon

7. Damage to premises in case of theft or attempted theft 

Sum Insured on Contents and Stock

8. Removal of debris

10% of Sum Insured

9. Architects', surveyors', consultant engineers' fee

10,000

10. Advertising signs, neon signs and signboard 

Limit per occurrence

50,000 upgrade-icon

25,000

11. Fire extinguishing expenses

Limit per occurrence

 

50,000 upgrade-icon

12. Seasonal increase of Sum Insured of stock

Increased by 20% up to HK$1,000,000 in January, February, November and December upgrade-icon

13. Eco support coverage*

Limit per item

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

14. 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-tc-icon

*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

750,000

Extra cover

1. Professional accountants' fees

10% of Sum Insured

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

Covered

3. Interruption of or interference with business due to the failure of public utility for more than 48 hours

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

Optional cover

Loss of trading profit due to:
 

  • Reduction in takings and;
  • Increase in cost of working
Sum Insured

MoneyMaximum Benefits Payable Per Year (HK$)

Basic cover

1. Loss of money

 

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

Limit per occurrence

 

30,000

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

Limit per occurrence

 

20,000

iii) In your shop out of business hours but not in a locked safe or strongroom

Limit per occurrence

 

5,000

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

Limit per occurrence

 

3,000

2. Crossed cheques or 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

 

50,000 upgrade-icon

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)

Limit per occurrence

100,000 upgrade-icon

50,000

4. Extra cover on Sundays and Public Holidays

Limit of loss of money increased by 25%

5. 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

 

100,000 upgrade-icon

ii) Total disablement from usual occupation
 

  • Limit per week
  • Maximum no. of weeks

 


300
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iii) Medical expenses

2,000 upgrade-icon

iv) Personal effects

Limit per person per occurrence

 

1,500

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 up to HK$500,000

Covered

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

Covered

3. Damage to rented premises

Covered

4. Overseas visits

Covered

5. Internal first aid services under business

Covered

6. Food and drink poisoning

Free supply

 

5,000,000 upgrade-icon

7. Signboard

1,000,000

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

Limit per occurrence and in aggregate

 

 

1,000,000 new-tc-icon

Personal AccidentMaximum Benefits Payable Per Year (HK$)

Optional cover

1. Accidental death, permanent disablement, or loss of a limb

Limit per person

 

100,000 upgrade-icon

2. Temporary total disablement from attending usual occupation

  • Limit per week
  • Maximum no. of weeks

 


250
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3. Temporary partial disablement from attending to usual occupation

  • Limit per week
  • Maximum no. of weeks

 


65
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4. Medical expenses

2,000

5. Personal effects

Limit per person per occurrence

 

1,500 new-tc-icon

Contents and StockExcess for each and every claim (HK$)
Each and every loss of damage (but not apply to fire, lightning or explosion, theft involves forcible entry/exit losses)

1,250

Water damage3,000 or 10% of loss, whichever is the greater
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