Insurance Coverage

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.

1. Loss of or damage to directors', partners' and employees' personal effects up to HK$5,000 per person and up to HK$10,000 in aggregate during the Period of Insurance.
2. Loss of or damage to Contents whilst temporarily removal for cleaning, renovation, repair or other similar purpose up to 15% of Sum Insured on Contents in aggregate during the Period of Insurance.
3. Costs of debris removal after happening of an insured loss up to 10% of Sum Insured or HK$100,000 whichever is the lesser in aggregate during the Period of Insurance.
4. Damage to advertising signs up to HK$25,000 per occurrence and up to HK$50,000 in aggregate during the Period of Insurance.
5. Damage to roller shutter doors up to HK$25,000 per occurrence and up to HK$50,000 in aggregate during the Period of Insurance.
6. Cost of temporary boarding up broken fixed glass doors and windows up to HK$50,000 in aggregate during the Period of Insurance.
7. Loss of or damage to computer systems' records up to HK$50,000 in aggregate during the Period of Insurance.
8. Damage to premises resulting from theft or attempted theft up to 10% of Sum Insured on Contents in aggregate during the Period of Insurance.
9. Replacement of locks to external doors, safes and alarms due to loss of keys up to HK$10,000 any one event and in aggregate during the Period of Insurance

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.

1. Professional accountant's fees incurred in dealing with claims up to HK$100,000 per occurrence.
2. The increased cost of conducting the Insured's business due to denial of access to the Insured's place of business caused by a loss of or damage to property in the vicinity for more than 24 hours.
3. The increased cost of conducting the Insured's business due to closure for more than 24 hours by a competent authority following a murder, suicide, food or drink poisoning, contamination, vermin or pests occurring on the Insured Premises.
4. The increased cost of conducting the Insured's business due to failure of public utilities for more than 24 hours.

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:

1. Money in transit anywhere within Hong Kong (SAR) during business hours up to HK$30,000 per year.
2. Money at the Insured Premises during business hours up to HK$30,000 per year.
3. Money at the Insured Premises out of business hours in a locked safe or strongroom up to HK$30,000 per year.
4. Money at the Insured Premises out of business hours not in a locked safe or strongroom up to HK$5,000 per year.
5. Loss of crossed cheques, crossed postal orders, crossed money orders, crossed banker's drafts and credit card sales vouchers up to HK$250,000 per year.
6. Damage to safes caused by theft or attempted theft at the Insured Premises up to HK$10,000 per year.

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

1. Cover up to HK$10,000 per year against fraud or dishonesty on the part of any employee, discovered within three working days of the occurrence.
2. Cover up to HK$100,000 per person for physical injury to the Insured's employees in case of a robbery or attempted robbery in the course of the Insured's business.

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.

1. Legal liability for poisoning of any kind arising from food or drink sold or supplied by the Insured to any patrons or visitors up to the indemnity limit of HK$1,000,000 any one occurrence and/or in aggregate during the Period of Insurance.
2. Coverage for independent contractor liability (The total contract value does not exceed HK$200,000).
3. Legal liability arising out of any occasional visit outside Hong Kong (SAR) by any director, partner or employee of the Insured in connection with the Insured's Business other than manual working assignments.
4. Legal liability arising out of the Insured's neon signs or advertising signs.
5. Tenant's liability coverage for loss or damage to the Insured Premises rented and occupied by the Insured.

1. HK$3,000 or 10% of the loss (whichever is the greater) caused by water damage to third party property;
2. HK$3,000 caused by any other losses to third party property.

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.

1. Cover the Insured's employees for bodily injury or death whilst using catering facilities provided by the Insured.
2. Cover reasonable costs for emergency transportation necessarily incurred as a result of serious injury sustained by the Insured's employees up to HK$30,000 per accident and/or in aggregate during the Period of Insurance.
3. Cover the Insured's enlployees who are required by the Insured to attend duties during extraordinary weather conditions for bodily injury or death.
4. Cover the Insured's employees for bodily injury or death whilst attending any functions, activities or social services organised by the Insured or employees' social club.