What is a comprehensive insurance office
Protection office equipment (such as company furniture, fixtures, interior decoration and self-financed companies to improve office of the facilities, stationery and various equipment, trade samples, etc.), another additional safeguards such as labour, third party liability , Business interruption, such as the theft of cash.
As the Office of comprehensive insurance included in the protection of large insurance companies will not buy no compensation for the scope of protection. If you purchased by the Office of the General Office of property insurance-only equipment and labour insurance, and unfortunately for the office of property or equipment due to accidents caused by third parties of life or damage to property, claims it is not within the scope of insurance companies.
Therefore, the purchase of office comprehensive insurance, not only the difference between the price and decided to purchase an insurance company that insurance products. We should read the insurance-chapter, understand their needs. If not encountered the scope of protection or other problems, and should contact the insurance agents or insurance companies, and plans to explain your needs。
If not encountered the scope of protection or other problems, and should contact the insurance agent or insurance company to explain the plan and your needs.
Premiums will you buy the coverage terms, the most comprehensive insurance in addition to security office within the Office of the various equipment, such as additional safeguards are free third-party liability, business interruption, such as the theft of cash.
General insurance companies on property and equipment within the Office of GDP, office type, and the address to calculate premiums. And labour insurance, the insurance companies will be the level and scope of work to calculate premiums, such as a field does not require a need for field work and the work of the staff, their workers insurance premiums will vary.
| Coverage | Maximum Benefit / Event (HK$) |
| Covers the cost of replacement for accidental damage to office contents including interior decoration, landlord’s fixtures and fittings, telephones, computers, etc. | Selected sum insured |
| Damage to fixed glass in windows and doors | 20.000/ year(10% of sum insured/ event) |
| Damage to office contents temporarily removed for the purpose of cleaning, renovation or repair within Hong Kong | 15% of sum insured/ event |
| Damage to clothing or personal effects (except money and mobile phones) of employer(s) and employees arising from any insured event, malicious attack or robbery whilst in charge of money outside the office | 3,000/ person/ event |
| Removal of debris following damage to contents | 10% of sum insured/event |
| Refilling of fire extinguishers and replacing of sprinkler heads following fire or explosion | 5,000/event |
| Replacement or repair for damage to doors, locks and keys arising from any insured event | 5,000/year |
| Loss of or damage to works of art | 20,000/ year |
| Materials and clerical labour for the restoration of computer system records | 20,000/ year |
| Damage to sample stocks | 10% of sum insured/ event |
| ‧The excess of each and every claim of office contents and stock is HK$1,000 (except loss caused by fire, light or explosion). ‧The excess of each and every claim for water damage of whatsoever caused to office contents and stock is HK$1.000 or 10% of each claim, whichever is higher, |
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| Covers the loss of cash, bankers’ drafts, cheques and stamps under the following circumstances: | |||||||||||||
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Employer(s) or employees sustaining bodily injury or death because of robbery and violent attack.
| Coverage | Maximum Benefit / Event (HK$) |
| Accidental death, loss of / loss of use of one or more limbs, loss of sight of one/ both eyes, permanent total disability to attend any occupation |
50.000/ event |
| Temporary total disability to attend any occupation | 250/ week up to 104 weeks |
| Coverage | Maximum Benefit / Event (HK$) |
| Extra expenses incurred within 3 months after the accident to restore normal conduct of business following damage by an insured event, e.g. rental fees of temporary site |
500,000/year |
| Professional accountant charges for verification of any claim | 20.000/event |
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Coverage
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Maximum Benefit / Event (HK$)
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Public liability
Covers legal liability for third party bodily injury or damage to third party property occurring on the business premises in Hong Kong |
$10,000,000/event
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Legal liability for overseas business visits
Covers legal liability of partners, directors or specified employees for third party bodily injury or damage to third party property occurring in connection with business whilst travelling overseas |
$5,000,000 / event
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Tenant’s liability |
$5,000,000 / event
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Indemnity to director, partner or employee
Covers legal liability of director, partner or employee in the course of the insured s employment |
$5,000,000 / event
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Food & drink liability
Covers legal liability for third party bodily injury or illness caused by food or drink supplied free of charge by the insured |
$5,000,000 / event
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‧The excess of each and every claim to third party property damage under legal liability is HK$1,000.
‧The excess of each and every claim of third party property damage caused by water under legal liability is the first HK$1,000 or 10% of each claim, whichever is higher.
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OPtions |
Coverage |
| Loss of income |
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| Employees compensation |
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| Stock cover |
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The time excess for the loss of income resulting from denial of access to your premises due to damage to surrounding property or accidental failure of public supply facilities is first 24 hours.
For insured or for more suggestions, please call 2384 2120 Or Completed Request a quote form，We will contact you as soon as possible.