Shop Insurance

Cost effective way to insure your shop

Shop Insurance

Plan Highlights

Equipment or Machinery Cover Icon
Equipment or Machinery Cover

HK$100,000 per item 

Fixed Glass or Mirror Cover
Fixed Glass or Mirror Cover

HK$10,000 in aggregate 

Fire Extinguishing Expenses Cover Icon
Fire Extinguishing Expenses Cover

HK$10,000 in aggregate

Advertising Signs, Neon Signs and Signboard Cover Icon
Advertising Signs, Neon Signs and Signboard Cover

HK$30,000 in aggregate

Seasonal Increase of Sum Insured of Stock
Seasonal Increase of Sum Insured of Stock

Automatically increased by 20% up to HK$1,000,000 in January, February and December

Plan details


Coverage  Maximum Benefits Payable (HK$)

Contents and Stock

Equipment or machinery (unless specifically mentioned)

$100,000 per item
Computer systems’ records $6,500 per item, $35,000 in aggregate 
Deed, document, card, tape or transparency $4,000
China, porcelain, work of art or curiosity $10,000 per article; $100,000 in aggregate or 10% of the Sum Insured on Contents whichever is the less 
Personal effects  $5,000 per person;
$20,000 in aggregate 
Fixed glass or mirror  $10,000 in aggregate 
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

$5,000 in aggregate

ii) Documents in transit within Hong Kong

$5,000 per loss

iii) All other property

10% of Sum Insured on Contents
Damage to contents affected by decoration works at the premises  Covered, subject to contract value not exceeding $500,000
Damage to premises in case of theft or attempted theft   Covered
Removal of debris 10% of the Sum Insured
Stock in transit within Hong Kong $50,000 per loss  
Fire extinguishing expenses  $10,000 
Advertising signs, neon signs and signboard  $30,000 
Seasonal increase of Sum Insured of stock  

Increased by 20% up to $1,000,000 in January, February and December

Replacement of locks & roller shutter door 

$5,000 for locks;
$20,000 for roller shutter doors

Architects', surveyors', consultant engineers' fee  $10,000 

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 10% of the total Sum Insured 
Denial of access for more than 48 hours to your shop due to damage to property in the vicinity of the Premises  Covered 
Interruption of or interference with business due to the failure of public utility supply for more than 48 hours  $500,000 or 10% of the total Sum Insured 

Loss of Money

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

In your shop out of business hours and in a locked safe or strongroom $20,000
In your shop out of business hours but not in a locked safe or strongroom $5,000
In your residence or that of your directors, partners or employees $3,000
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  $30,000   
Loss of money arising from fraudulent or dishonest act of any of your director(s), partner(s) or employee(s)  $50,000 
Extra cover on Sundays and Public Holidays  Limit of loss of money, increased by 25%  

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:

  • Interior decoration work performed by independent contractors at the premises (contract value up to $500,000)
  • Internal first aid services under business 
  • Provision and management of canteen, social, sports and welfare activities 
  • Damage to rented premises
  • Overseas visits
  • Supply of free food and drink
  • Signboard

Optional Covers: 

Loss Of Trading Profit 

Loss of Trading Profit due to:

- Reduction in takings and;

- Increase in cost of working 

Sum Insured 

Employees' Compensation 

Liability under the Employee's Compensation Ordinance for employees' bodily injury or death arising out of and in the course of employment 

Per Employees' Compensation Ordinance 

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 Shop 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.