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Shop Package Insurance

Please read this Policy carefully upon receipt and promptly request the Company for necessary amendments


Shop Package Insurance provides a comprehensive protection for the Insured's shop in respect of trade contents, stocks, money as well as employees' compensation and legal liability.

Insurance Coverage


Property "All Risks"

Cover for accidental physical loss of or damage to the Contents including business appliances and equipments, furniture, interior decorations and stock-in-trade whilst contained in the Insured Premises.

Additional Benefits

Excesses in respect of each and every loss

  1. HK$3,000 or 10% of the loss (whichever is the greater) caused by Water Damage, Typhoon, Windstorm and Flood;
  2. HK$10,000 or 10% of the loss (whichever is the greater) caused by Landslip and Subsidence;
  3. HK$3,000 caused by any other losses except Fire, Lightning and Explosion.

Increased Cost of Working

Cover for additional expenditure up to HK$500,000 that may incur after an insured loss, which is indemnified under Insurance Coverage 1) above, in order to restore normal conduct of business at the Insured Premises.


Additional Benefits

Money and assault

Cover for lost or stolen bank notes, currency notes, current coins, cheques, postal orders, money orders, current postage stamps, unexpired units in franking machines and credit card sales vouchers in the circumstances specified below:

Circumstances:

The compensation limit of benefits a. to e. will be automatically increased by 50% for Sundays and any gazetted holidays of Hong Kong (SAR).

Additional Benefits

Excess in respect of each and every loss

HK$1,000

Public Liability

Cover the Insured against all sums which the Insured shall become legally liable to pay as compensation consequent upon third party bodily injury and/or third party property damage happening in connection with the Insured's Business up to the limit of indemnity of HK$10,000,000 any one occurrence and/or in aggregate during the Period of Insurance.

Additional Benefits

Excesses in respect of each and every loss

Employees' Compensation (optional cover)

Cover the Insured against legal liability as an employer under the Employees' Compensation Ordinance and at Common Law for bodily injuries or death to employees arising out of and in the course of employment up to a limit of HK$100,000,000 per event.


Additional Benefits

The information shown is intended as a general summary. Please refer to the insurance policy for the detailed terms and conditions.