Shop Insurance

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Cost effective way to insure your shop

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Why choose MSIG?

Equipment or Machinery Cover

HK$150,000 per item

Fixed Glass or Mirror Cover

HK$20,000 in aggregate

Fire Extinguishing Expenses Cover

HK$50,000 in aggregate

Advertising Signs, Neon Signs and Signboard Cover

HK$50,000 in aggregate

Eco Support Coverage

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

Exhibition fairs or trade shows

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

Contents and Stock	Maximum Benefits Payable Per Year (HK$)
Basic cover
1. Equipment or machinery (unless specifically mentioned) Limit per item	Sum Insured 150,000
2. Computer systems’ records Limit per item	150,000 10,000
3. Deeds, documents, cards, tapes or transparencies Limit per item	50,000 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 10,000
5. Personal effects Limit per person	50,000 5,000
6. Fixed glass or mirror Limit per occurrence	20,000 10,000
7. Any stock Limit per item	35,000
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
iii) Stock in transit within Hong Kong Limit per occurrence	50,000
iv) All other property	15% of Sum Insured on Contents
2. Damaged frozen food/refrigerated stock Limit per occurrence	10,000
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
4. Replacement of locks	10,000
5. Replacement of roller shutter door Limit per occurrence	50,000 25,000
6. Damage to contents affected by decoration works at the premises Contract value up to HK$500,000	Covered
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 25,000
11. Fire extinguishing expenses Limit per occurrence	50,000
12. Seasonal increase of Sum Insured of stock	Increased by 20% up to HK$1,000,000 in January, February, November and December
13. Eco support coverage^* Limit per item	10,000 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

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

Business Interruption	Maximum 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

Money	Maximum 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
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 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
ii) Total disablement from usual occupation Limit per week Maximum no. of weeks	300 104
iii) Medical expenses	2,000
iv) Personal effects Limit per person per occurrence	1,500

Money

Maximum 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

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

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

ii) Total disablement from usual occupation

Limit per week
Maximum no. of weeks

300
104

iii) Medical expenses

2,000

iv) Personal effects

Limit per person per occurrence

1,500

Employees' Compensation	Maximum 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 Liability	Maximum 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
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

Personal Accident	Maximum Benefits Payable Per Year (HK$)
Optional cover
1. Accidental death, permanent disablement, or loss of a limb Limit per person	100,000
2. Temporary total disablement from attending usual occupation Limit per week Maximum no. of weeks	250 104
3. Temporary partial disablement from attending to usual occupation Limit per week Maximum no. of weeks	65 104
4. Medical expenses	2,000
5. Personal effects Limit per person per occurrence	1,500

Personal Accident

Maximum Benefits Payable Per Year (HK$)

Optional cover

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

Limit per person

100,000

2. Temporary total disablement from attending usual occupation

Limit per week
Maximum no. of weeks

250
104

3. Temporary partial disablement from attending to usual occupation

Limit per week
Maximum no. of weeks

65
104

4. Medical expenses

2,000

5. Personal effects

Limit per person per occurrence

1,500

Contents and Stock	Excess 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 damage	3,000 or 10% of loss, whichever is the greater

Shop Insurance - Brochure

Shop Insurance - Application form

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Shop Insurance

Why choose MSIG?

Equipment or Machinery Cover

Fixed Glass or Mirror Cover

Fire Extinguishing Expenses Cover

Advertising Signs, Neon Signs and Signboard Cover

Eco Support Coverage

Exhibition fairs or trade shows

Benefits - Contents and Stock

Basic cover

1. Equipment or machinery (unless specifically mentioned)

2. Computer systems’ records

3. Deeds, documents, cards, tapes or transparencies

4. China, porcelain, works of art or curiosity

5. Personal effects

6. Fixed glass or mirror

7. Any stock

8. All loss or damage

Extra cover

1. Contents temporarily removed from premises:

i) Surveying or photographic equipment

ii) Documents in transit within Hong Kong

iii) Stock in transit within Hong Kong

iv) All other property

2. Damaged frozen food/refrigerated stock

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

4. Replacement of locks

5. Replacement of roller shutter door

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

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

8. Removal of debris

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

10. Advertising signs, neon signs and signboard

11. Fire extinguishing expenses

12. Seasonal increase of Sum Insured of stock

13. Eco support coverage*

14. Exhibition fairs or trade shows

Benefits - Business Interruption

Basic cover

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

Extra cover

1. Professional accountants' fees

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

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

Optional cover

Loss of trading profit due to:

Benefits - Money

Basic cover

1. Loss of money

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

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

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

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

2. Crossed cheques or other non-negotiable items

Extra cover

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

2. Cash cheque signed under violence or threat of violence

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

4. Extra cover on Sundays and Public Holidays

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

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

ii) Total disablement from usual occupation

iii) Medical expenses

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13. Eco support coverage^*