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
Cyber Liability Extension 
Up to HK$100,000 per occurrence and in aggregate
| Benefits at a Glance | Maximum Benefits Payable (HK$) |
|---|---|
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 cover | |
| |
| 5,000 |
|
10,000 |
|
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 |
- Contract value up to HK$500,000 |
Covered |
| Sum 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 cover | |
| 10% of 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 |
|
|
|
3,000 |
| 500,000 |
| Extra cover | |
|
50,000 |
| 10,000 |
|
50,000 |
| Limit of loss of money increased by 25% |
| Covered |
|
100,000 |
|
300 104 |
| 2,000 |
|
1,500 |
Employees’ Compensation | |
| 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 | |
| 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 |
|
104 |
| 2,000 |
|
1,500 |
Cyber Liability Extension | |
| Optional cover | |
Cyber liability2 - Limit per occurrence and in aggregate | 100,000 |
1This benefit does not apply if the premises are located in a residential building.
2This benefit is applicable to policy with premium exceeding HK$10,000.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Major excess | Excess for each and every claim (HK$) |
|---|---|
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 |
Cyber Liability Extension | |
| Cyber liability | 5,000 |
