Office Insurance (Macau)
Why choose MSIG?
Loss of or Damage to Office Contents Temporarily Removed from Premises
Protection against loss of or damage to digital cameras, DV and other surveying equipment when temporarily removed from the premises
Loss Arising from Mechanical or Electrical Breakdown
Fixed computers, systems and data are protected against mechanical or electrical breakdown
Loss Caused by Theft
Personal property of your employees is protected against any loss caused by theft up to HK$3,000 per person per occurrence
Public Liability Cover
Up to HK$10,000,000 per event
Eco Support Coverage 
Additional cover of up to HK$5,000 per eligible loss/damaged appliance
Exhibition fairs or trade shows
Cover Contents, Sample Stock and Public Liability for participation in exhibition fairs or trade shows in Macau
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) |
|---|---|
Office Contents | |
| Basic cover | |
| Sum Insured 150,000 |
| 150,000 10,000 |
| 50,000 5,000 |
| 50,000 5,000 |
| 200,000 or 10% of Sum Insured, whichever is lower 10,000 |
| Sum Insured |
| Extra cover | |
| |
| 5,000 |
|
10,000 |
|
50,000 |
| 15% of sum insured on Contents  |
| 5,000 |
| 20,000 |
| Covered |
|
Covered |
| Covered |
| 50,000 or 10% of Sum Insured on Contents, whichever is lower |
| 5,000  |
|
50,000 |
| 100,000 50,000 |
| 10,000 |
- Limit per item | 10,000 5,000 or 10% of Sum Insured, whichever is lower |
| 100,000 |
| Optional cover | |
| Worldwide portable equipment | Sum Insured |
Business Interruption | |
| Basic cover | |
| Additional expenditure such as the cost incurred for temporary premises and facilities if applicable | 1,000,000 |
| Extra benefit | |
| 10% of Sum Insured |
| 10% of Sum Insured |
| 500,000 or 10% of Sum Insured, whichever is lower |
| Optional cover | |
Loss of gross profit
| Sum Insured |
Money | |
| Basic cover | |
| |
- Limit per occurrence |
50,000 |
- Limit per occurrence |
50,000 |
- Limit per occurrence |
50,000 |
- Limit per occurrence |
5,000 |
| 500,000 |
| Extra benefit | |
|
30,000 |
| 10,000 |
| 50,000 |
| Covered |
- Limit per person |
250,000 |
- Limit per week - Maximum no. of weeks |
300 104 |
| 1,500 |
- Limit per week | 1,500 500 |
- Limit per person per occurrence |
3,000 |
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 benefit | |
| Cover the legal liability incurred by the insured and arising from: | |
| Covered |
| Covered |
| Covered |
| Covered |
| Covered |
| 5,000,000 |
- Limit per occurrence and in aggregate | 1,000,000 |
Major excess | Excess for each and every claim (HK$) |
| Office contents | |
| Each and every loss of damage (but not apply to fire, lightning or explosion, theft involves forcible entry / exit losses) | 500 |
| Water damage | 3,000 or 10% of loss, whichever is the greater |
| Portable equipment | 1,000 or 10% of loss, whichever is the greater |
| Computer breakdown | 1,000 and any additional expenditure incurred during the first 48 consecutive hours |
| Public liability | |
| Damage to rented premises | 500 |
| Water damage | 3,000 or 10% of loss, whichever is the greater |
| Other third-party property damage | 500 |
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 Office 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.
