Full Protection at a Glance
| 1. Shop Contents |
| Sub-Section A - Contents |
Maximum limits/year (HK$) |
| "All Risks" cover is provided for your Contents including tenants' decoration, landlord's fixture fitting on a "New for Old" basis. |
Sum Insured of Sub-Section A |
| - shop appliance or equipment |
100,000/item |
| - computer systems' record |
40,000 |
| - computer system, deed, card, tape, file, document or transparency |
4,000/system or document
(up to 10% of the Sum Insured of Sub-Section A/year) |
| - work of art |
10,000/set
(up to 10% of the Sum Insured of Sub-Section A/year) |
| - personal effects belonging to employer or employees |
3,000/person |
| Sub-Section B - Sample and Trade Stocks |
| Accidental physical loss of or damage to Sample and Trade Stocks# |
15,000/item |
| # Except loss of or damage to Sample and Trade Stocks by theft not accompanied by violence or threat of violence to persons or forcible and violent entry to or exit from the shop premises. |
| Free Extensions |
Fixed Glass
Accidental breakage of fixed glass in the shop. |
10,000 |
Temporary Removal
Contents insured under Sub-Section A are protected in the event that they are temporarily removed from your shop but remaining in other premises for cleaning, renovation, repairing or other similar purposes in Hong Kong. |
100,000/item
(up to 10% of the Sum Insured of Sub-Section A per year in total) |
Documents in Transit
Loss of document in transit anywhere in Hong Kong. |
5,000 |
Neon Sign and Signboard
Cost of repair or replacement due to accidental loss of or damage to neon sign or signboard |
10,000 |
Stocks in Transit
Damaged or lost of Sample and Trade Stocks whilst in transit in Hong Kong. |
50,000 |
Seasonal Increase
Sum Insured for Sub-Section B- Sample and Trade Stocks will be automatically increased by 20% during the period of 1st December to 1st March every year without having to pay any additional premium. |
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Cost of Removal of Debris
Cost of removing debris following an insured accident where damage to Contents, Sample and Trade Stocks results. |
(up to 10% of the Sum Insured of Section 1/year) |
| Excess for water damage, neon sign damage and signboard damage is HK$3,000 or 10% of the loss, whichever is greater. For others, the excess is HK$1,000 for each and every loss. |
|
| 2. Business Interruption |
- Necessary additional expenditures incurred after an accident insured under Section 1 to restore your normal business operation (eg. Renting) for a period up to 6 months from the date the accident occurs.
- Business operation in the shop is affected as a result of denial of access for more than 48 consecutive hour due to an emergency or damage to neighbouring property.
|
500,000 |
| Free Extension |
Professional Accountant Charges
Incurred for verification of a claim. |
50,000 |
|
| 3.Money Protection |
| Indemnity is provided in respect of |
| - loss of crossed cheque |
300,000 |
| - loss of money in transit in Hong Kong |
30,000 |
| - loss of money in the shop during business hours |
30,000 |
| - loss of money in a bank night safe |
30,000 |
| - loss of money in the shop after the business hours whilst it is secured in a locked safe or strongroom |
30,000 |
| - loss of money in the shop after the business hours whilst it is NOT secured in a locked safe or strongroom |
3,000 |
| Free Extension |
Damage to the Safe
Damage caused by theft |
30,000 |
|
| 4. Personal Accident |
| Death or permanent disablement of you or your employee(s) resulting from malicious attack by any person robbing, stealing or attempting to steal in your shop. |
100,000/person |
|
| 5. Public Liability |
| We protect you against legal liability in respect of third party bodily injury and/or property damage arising out of |
|
- the insured business in Hong Kong
- providing first aid service by your employees
- overseas business visits
- legal liability as tenant for damage to the shop premises |
5,000,000 |
| Besides, you will be protected against |
- legal liability arising from the provision of food/drinks by the staff canteen or pantry of your shop
- legal liability caused by your neon sign or signboard |
1,000,000 |
| The amount of maximum limits of this Section is HK$5,000,000 per year. Excess for third party property damage is HK$1,000. |
|
| 6. Employees' Compensation (Optional) |
| We provide coverage to you in accordance with the Employees' Compensation Ordinance and Common Law, for injury or death of employees arising out of and in the course of the employment. |
100,000,000/event |
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