Commercial Insurance
Practical protection for your business. Choose an insurance category below.
Employees' Compensation Insurance
According to Hong Kong's Employees' Compensation Ordinance, employers are required to provide statutory insurance for their employees. This insurance protects the employer's legal liability for compensation arising from work-related injuries or deaths of employees during working hours.
Office / Shop Package Insurance
A one-stop protection scheme specifically designed for retail shops, food & beverage businesses, and offices. It covers losses to shop interior decorations, business tools, and stock caused by fire or flooding, cash protection, business interruption and public liability insurance (with option to add Employees' Compensation Insurance).
Contractors All Risks
This comprehensive insurance is specifically designed for home renovations, office refurbishments, retail store occupancy, and various commercial redevelopment projects. It includes coverage for damage to engineering materials, third-party liability, and employees' compensation.
Public Liability Insurance
Protects businesses from legal liabilities arising from third-party (such as customers and visitors) bodily injury or property damage caused by negligence during daily business operations.
Owners' Corporation and Third Party Risks Insurance & Building / Estate Property All Risks Insurance
According to Section 28 of the Building Management Ordinance (Chapter 344 of the Laws of Hong Kong), all established Owners' Corporations must compulsorily procure "Third-Party Risks Insurance." Additionally, corporations can flexibly choose to top up with fire insurance for public facilities and water damage protection.
Group Personal Accident Insurance
Customized for corporate employees, schools, or non-profit organizations. It covers members against accidental death, disability, or medical expenses incurred both locally and overseas.
Group Travel & Business Trip Insurance
Protect against various overseas risks for business trips, overseas study tours, or group travel. From sudden illness medical care and emergency rescue to travel delays and loss of belongings, we provide comprehensive protection.
Event or Exhibition Liability Insurance
Protects the legal responsibilities of organizers and exhibitors regarding venue and public safety at major international trade shows, cultural concerts, pop-up markets, and company anniversary dinners.
Specifically designed for event planners, it covers legal compensation and litigation costs for personal injury or property damage to third parties caused by unforeseen events during the event.
Professional Indemnity Insurance
Suitable for professionals in property management, accounting, design, engineering consulting, and educational institutions. Provides legal compensation for clients suffering financial losses due to professional negligence, omissions, or erroneous advice.
Directors & Officers Liability (D&O) Insurance
Suitable for listed companies, SMEs, non-profit organizations (NGOs), directors, senior officers, and even independent non-executive directors (INEDs).
This covers legal fees and damages that may result in losses suffered by directors and senior officers due to lawsuits filed by shareholders, regulatory bodies (such as the Hong Kong Securities and Futures Commission, Inland Revenue Department, and Labour Department) or individual clients for misconduct, decision-making errors, improper dismissal, or breach of statutory duties.
Cyber Security Insurance
Protects enterprises against business interruption losses, investigation costs, and public relations crisis expenses resulting from cyberattacks, hacker intrusions, or client data breaches.
Cargo & Logistics Insurance
Protects goods against losses caused by traffic accidents, adverse weather, or theft during transit via air, sea, or land freight.
