What is a comprehensive insurance shop
Protection of commercial premises of various equipment (such as company furniture, fixtures, interior decoration and self-financed companies to improve office The facilities, stationery and various equipment, trade and other samples. ), Another additional safeguards such as labour, the third party responsibility , business interruption, such as the theft of cash.
As shops comprehensive insurance included in the protection of large insurance companies will not buy no guarantee of compensation . If you buy the shops comprehensive insurance-only shops property equipment and labour insurance, and unfortunately because of the shop’s property or equipment due to accidents caused by third parties of life or damage to property, claims of insurance companies will not be included. |
Therefore, the purchase of shops comprehensive insurance, not only the price difference between that and decided to purchase an insurance company 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 agent or our company to explain the plan and your needs. |
Premiums will you buy the coverage terms, most of the shops in addition to comprehensive insurance protection of the shops Kinds of equipment, such as additional safeguards are free third-party liability, business interruption, such as the theft of cash. |
General insurance companies on commercial premises of property and equipment worth, the type of retail outlet, 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 need To a need for field work and field work of the staff, their workers insurance premiums will vary. |
Trade contents and stock protection
Coverage | Maximum Benefit (HK$) |
Covers the cost of replacement for accidental damage to shop contents including interior decoration, telephones, computers, etc | Selected sum insured |
Damage to fixed glass in windows, doors, showcases, counters, shelves and shop front sign-boards | 20,000/ year (5,000/ event) |
Damage to contents temporarily removed for the purpose of cleaning, renovation or repair within Hong Kong *Damage to stock and samples temporarily removed for cleaning, renovation or repair is not covered |
15% of sum insured/ event |
Damage to clothing or personal effects (except money and mobile phones) of employer(s) and employees arising from an insured event, malicious attack or robbery whilst in charge of money outside the premises | 3,000/ staff/ event |
Removal of debris following damage to contents | 10% of sum insured/event |
Free of charge for seasonal increase in sum insured for stock from 1 November to 1 March | Sum insured increased by 20% |
Damage to or loss of goods in transit within Hong Kong *Damage to or loss of goods in an unattended vehicle whilst in transit is not covered |
$50,000/ event |
Damage to frozen food in frozen food cabinet, deep freezer, cold room or cold storage caused by mechanical or electrical breakdown or accidental failure of public electricity supply | $10,000/ event |
‧The excess for each and every claim of trade contents and stock is HK$1,000 (except loss caused by fire, lightning or explosion ) | |
‧The excess of each and every claim for water damage of whatsoever caused to trade contents and stock is the first HK$1,000 or 10% of each claim, whichever is higher. |
Coverage | Maximum Benefit (HK$) |
Loss in transit | 30,000 / event |
Loss on premises | 30,000 / event |
Loss at home of employer(s) or authorized employee(s) | 5,000/ event |
Loss of crossed cheques | 500,000/ event |
Damage to cash register | 3,000/ event |
Loss of money arising from any fraudulent or dishonest acts of employees | 30,000 / event |
Employer(s) or employees sustaining bodily injury or death due to fire, violent attack or robbery on the business premises.
Coverage | Maximum Benefit (HK$) |
Accidental death, loss of/ loss of use of one or more limbs, loss of sight of one/ both eyes, permanent total disability to attend to any occupation | 50,000/ event |
Temporary total disability to attend to any occupation | 250/week up to 104 weeks |
Coverage | Maximum Benefit (HK$) |
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. | Max. aggregate limit per year is 200% of sum insured of trade contents or 500,000, whichever is the less |
Professional accountant charges for verification of any claims | 20,000/event |
Coverage | Maximum Benefit (HK$) |
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 |
Legal liability for overseas business visit 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 traveling overseas |
$5,000,000/ event |
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 |
Tenant’s liability Covers legal liability as tenant for damage to building caused by the insured event |
$5,000,000/ event |
‧The excess of each and every claim of 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$1,000 or 10% of each claim, whichever is higher |
Optional protection
Options | Coverage |
Loss of income | ‧Additional expenses incurred for the sole purpose of minimizing the interruption to or interference in business |
‧Loss of income resulting from damage to premises or trade contents insured | |
‧Loss of income resulting from denial of access to your premises due to damage to surrounding property or accidental failure of public supply facilities | |
‧Professional accountant charges for verification of any claims | |
Employees compensation | ‧Liability under the Employees’ Compensation Ordinance for bodily injury to employees |
‧Maximum benefit is HK$ 100,000,000 per event | |
Stock cover | ‧Stock within the business premises only |
‧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.