Shop Insurance (Macau)
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$5,000 per eligible loss/damaged appliance
Exhibition fairs or trade shows
Cover Contents, Stock and Public Liability for participation in exhibition fairs or trade shows in Hong Kong
| Coverage | Maximum Benefits Payable (HK$) |
|---|---|
Contents and Stock | |
| Basic cover | |
| Sum Insured 150,000 |
| 150,000 10,000 |
| 50,000 5,000 |
| 200,000 or 10% of Sum Insured on Contents, whichever is the less 10,000 |
| 50,000 5,000 |
| 20,000 10,000 |
|
35,000 |
| Sum Insured |
| Extra benefits | |
| |
| 5,000 |
- Limit per occurrence |
10,000 |
- Limit per occurrence |
50,000 |
| 15% of the Sum Insured on Contents  |
|
10,000 |
| 25,000 or 5% of Sum Insured, whichever is lower  |
| 10,000 |
| 50,000 25,000 |
| Covered |
| Sun Insured on Contents and Stock |
| 10% of the Sum Insured |
| 10,000 |
| 50,000 25,000 |
|
50,000 |
| Increased by 20% up to HK$1,000,000 in January, February, November and December |
| 10,000 5,000 or 10% of Sum Insured, whichever is lower |
| 100,000 |
Business Interruption | |
| Basic cover | |
| Additional Expenditure such as the cost incurred for temporary premises and facilities if applicable | 750,000 |
| Extra benefits | |
| 10% of the total Sum Insured |
| Covered |
| 500,000 or 10% of Sum Insured, whichever is lower |
| Optional cover | |
Loss of trading profit due to:
| Sum Insured |
Money | |
| Basic cover | |
| |
|
30,000 |
|
20,000 |
|
5,000 |
|
3,000 |
|
500,000 |
| Extra benefits | |
|
50,000 |
| 10,000 |
| 100,000 50,000 |
| Limit of loss of money increased by 25% |
| Covered |
|
100,000 |
|
300 104 |
| 2,000 |
|
1,500 |
Public Liability | |
| Basic cover | |
Legal liability to third parties due to bodily injury and/or property damage arising from your business - Limit per occurrence |
10,000,000 |
| Extra benefits | |
| Cover the legal liability incurred by the insured and arising from: | |
| Covered |
| Covered |
| Covered |
| Covered |
| Covered |
|
5,000,000 |
| 1,000,000 |
- Limit per occurrence and in aggregate |
1,000,000 |
Personal Accident | |
| Optional cover | |
| 100,000 |
|
250 104 |
|
65 104 |
| 2,000 |
|
1,500 |
Major excess | Excess for each and every claims (HK$) |
| Contents and stock | |
| 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 |
1This benefit does not apply if the premises are located in a residential building.
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.
