Shop Insurance
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’ recordsLimit per item | 150,000 10,000 |
3. Deeds, documents, cards, tapes or transparenciesLimit per item | 50,000 5,000 |
4. China, porcelain, works of art or curiosityLimit per item | 200,000 or 10% of Sum Insured on Contents, whichever is the less 10,000 |
5. Personal effectsLimit per person | 50,000 5,000 |
6. Fixed glass or mirrorLimit per occurrence | 20,000 10,000 |
7. Any stockLimit 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 KongLimit per occurrence | 10,000 ![]() |
iii) Stock in transit within Hong KongLimit per occurrence | 50,000 |
iv) All other property | 15% of Sum Insured on Contents ![]() |
2. Damaged frozen food/refrigerated stockLimit 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 doorLimit per occurrence | 50,000 25,000 |
6. Damage to contents affected by decoration works at the premisesContract 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 signboardLimit per occurrence | 50,000 25,000 |
11. Fire extinguishing expensesLimit per occurrence |
50,000 |
12. Seasonal increase of Sum Insured of stock | Increased by 20% up to HK$1,000,000 in January, February, November and December ![]() |
13. Eco support coverage*Limit per item | 10,000 ![]() 5,000 or 10% of Sum Insured, whichever is lower |
14. Exhibition fairs or trade shows |
100,000 |
*This benefit does not apply if the premises are located in a residential building.
Business Interruption | Maximum Benefits Payable Per Year (HK$) |
---|---|
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: | Sum Insured |
Money | Maximum Benefits Payable Per Year (HK$) |
---|---|
Basic cover | |
1. Loss of money |
|
i) In your shop during business hours, in transit or in a bank night safeLimit per occurrence |
30,000 |
ii) In your shop out of business hours and in a locked safe or strongroomLimit per occurrence |
20,000 |
iii) In your shop out of business hours but not in a locked safe or strongroomLimit per occurrence |
5,000 |
iv) In your residence or that of your directors, partners or employeesLimit per occurrence |
3,000 |
2. Crossed cheques or other non-negotiable itemsLimit per occurrence |
500,000 |
Extra cover | |
1. Damage to safes or cases directly associated with theft or attempted theftLimit per occurrence |
50,000 |
2. Cash cheque signed under violence or threat of violence | 10,000 |
3. Loss of money arising from fraudulent or dishonest act of any of your director(s), partner(s) or employee(s)Limit per occurrence | 100,000 50,000 |
4. Extra cover on Sundays and Public Holidays | Limit of loss of money increased by 25% |
5. Personal assault as a result of attempt of theft during business hours | Covered |
i) Accidental death, permanent disablement, or loss of a limbLimit per person |
100,000 |
ii) Total disablement from usual occupation |
|
iii) Medical expenses | 2,000 ![]() |
iv) Personal effectsLimit per person per occurrence |
1,500 |
Employees' Compensation | Maximum Benefits Payable Per Year (HK$) |
---|---|
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 businessLimit 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 premisesContract up to HK$500,000 | Covered |
2. Provision and management of canteen, social, sports and welfare activities | Covered |
3. Damage to rented premises | Covered |
4. Overseas visits | Covered |
5. Internal first aid services under business | Covered |
6. Food and drink poisoningFree supply |
5,000,000 |
7. Signboard | 1,000,000 |
8. Exhibition fairs or trade shows being held within any premises in Hong Kong, with a maximum duration of 14 daysLimit per occurrence and in aggregate |
1,000,000 |
Personal Accident | Maximum Benefits Payable Per Year (HK$) |
---|---|
Optional cover | |
1. Accidental death, permanent disablement, or loss of a limbLimit per person |
100,000 |
2. Temporary total disablement from attending usual occupation
|
|
3. Temporary partial disablement from attending to usual occupation
|
|
4. Medical expenses | 2,000 |
5. Personal effectsLimit 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 |