Office

Care

The Office Care Plan will protect your smooth running business.

From office contents, business interruption, loss of money, employees’ compensation and public liability, the all-round coverage will protect your office and business at an affordable cost.
All in One
Provide several essential insurance coverages in one packaged policy, including office contents, business interruption, loss of money, etc.
Employees' Compensation
This plan also provides optional employees' compensation cover with a HKD100,000,000 maximum limit of indemnity to fit your needs.
"All-Risks" Protection
Provide “All-Risks”protection to Office contents including furniture, fixtures &fittings, interior decoration, computer equipment & stock, etc. Conditions apply.
1. Office Contents
1. Office Contents

This section offers "All Risks" protection to Office Contents including furniture, fixtures & fittings, interior decoration, computer equipment, electrical appliance, trade sample and stock. The following sublimits apply :

Coverage/Section
Maximum Limit of Indemnity (HK$)
Any one office equipment or machinery
100,000
Computer equipment
20,000 max. per item
(20% of Sum Insured in aggregate)
Computer data records
20,000
Any one item of ornamental glass, china, porcelain or work of art
5,000
Any one deed, document, card, tape, file or transparency
3,000
Sample or Stock
20,000 or 10% of Sum Insured,
whichever is the greater
Any other item
50,000
Extra Benefits
Removal of debris following damage to Contents
10% of Sum Insured
Cost of boarding up broken doors and windows pending replacement
20,000
Coverage shall not be prejudiced by decoration works with total contract value less than HK$100,000
2. Business Interruption
2. Business Interruption
Coverage/Section
Maximum Limit of Indemnity (HK$)
Additional expenditure incurred for the sole purpose of minimising the reduction of Gross Profit (Indemnity period for the additional expenditure is 12 months)
750,000
Extra Benefits
Professional accountant charges for verification of claims
Additional business interruption expenditure incurred as a result of the damage to property in the vicinity which prevents the use of premises or accidental failure of public utilities supply (electricity, gas, water)
5,000
3. Loss of Money
3. Loss of Money
Coverage/Section
Maximum Limit of Indemnity (HK$)
Loss of non-negotiable money including crossed cheques, crossed postal and money orders, crossed bankers' drafts and credit sales vouchers
500,000
Cash in premises out of office hours
- in locked safe / strongroom
20,000
- not in locked safe / strongroom
3,000
Cash in transit in Hong Kong SAR or Cash in premises during office hours or in bank night safe
30,000
Extra Benefits
Professional accountant charges for verification of claims
Additional business interruption expenditure incurred as a result of the damage to property in the vicinity which prevents the use of premises or accidental failure of public utilities supply (electricity, gas, water)
5,000
4. Public Liability
4. Public Liability
Coverage/Section
Maximum Limit of Indemnity (HK$)
Legal liability in respect of accidental bodily injury or property damage to third party (including litigation cost) in connection with the insured's business
5,000,000
Legal liability of partners, directors or senior executive in connection with business whilst traveling overseas
Legal liability for damage to buildings rented and occupied by the insured as tenant
1,000,000
Legal liability arising out of any food and drink supplied to guest within the premises not for remuneration
2,000,000
5. Personal Assault
5. Personal Assault
Coverage/Section
Maximum Limit of Indemnity (HK$)
Directors and/or partners and/or employees sustain accidental death injury or total permanent disablement as a result of robbery or theft at insured premises or in the course of transiting company's money within Hong Kong SAR
50,000 per person
200,000 any one accident
6. Employees' Compensation (OPTIONAL)
6. Employees' Compensation (OPTIONAL)
Coverage/Section
Maximum Limit of Indemnity (HK$)
Liability under the Employees' Compensation Ordinance for death of or bodily injury to employees arising out of and in the course of employment
100,000,000
Extra Benefits
Worldwide cover for commercial visits by non-manual employees
IMPORTANT NOTICE

* The coverage features above are indicative only. Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now.