OFFICE CARE

Our OFFICE CARE Plan covers unexpected risks from office contents, business interruption, loss of money, employees’ compensation to 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.

COVERAGE
COVERAGE
Coverage
Maximum Limit (HKD)
(1) Office Content
(i) Office equipment or machinery
$100,000 per item
(ii) Computer equipment
$20,000 per item
20% of Sum Insured per year
(iii) Ornamental glass, china, porcelain or work of art
$5,000 per item
(iv) Deed, document, card, tape, file or transparency
$3,000 per item
(v) Trade Sample or stock
$20,000 / 10% of sum insured whichever is greater per year
(vi) Any other item
$50,000 per item
Additional Benefit
1) Computer data records
$20,000 per year
2) Removal of Debris
10% of Sum Insured
3) Boarding up broken doors and windows
$20,000 per year
4) Alternations and Repairs (Total contract value of the works up to $100,000)
Covered
(2) Business Interruption
Increased cost of working (12 months)
$750,000 per year
Additional Benefit
1) Accountant's Fee
$5,000 per year
(3) Loss of Money
1) Loss of non-negotiable money
$500,000 per year
2) Money other than in (1) above
a) Cash in premises out of office hours
(i) In locked safe / strongroom
$20,000 per year
(ii) not in a locked safe / strong room
$3,000 per year
b) Cash in transit in HKSAR or Cash in premises during office hours or in bank night safe
$30,000 per year
Additional Benefit
1) Damage to safe or strongroom caused by theft or attempted theft
$20,000 any one occurrence
2) Loss of cash cheque
$10,000 any one occurrence
3) Employees Dishonesty
$5,000 per year
(4) Public Liability
Public Liability
$5,000,000 per year
Additional Benefit
1) Overseas Visits
Covered
2) Food and Drink (Supplied free of charge)
$2,000,000 per year
3) Damage to rented Premises
$1,000,000 per year
(5) Personal Assault
Employees sustain accidental death or total permanent disablement as a result of robbery or theft
1) at insured premises or
2) in the course of transit company’s money (Limit: $30,000) within Hong Kong
$ 50,000 per person / $200,000 per year
(6) Employees' Compensation (Optional)
Employees' Compensation
$100,000,000 per event
Additional Benefit
1) Extraordinary Weather Condition
Covered
2) Overseas Visiting Extension
Covered
Important Notes
Important Notes
  1. My company business is office based.
  2. Total number of employee(s) is 50 or below.
  3. The insured company fulfills the following conditions:
    1. Does NOT carry out any of the specific businesses or risks
    2.  Registered in Hong Kong.
    3. The floor(s), walls and ceiling(s) of the insured premises and place of employment(s) are constructed entirely of brick, stone, cement.
    4. Insured premise NOT located ground floor &/or basement of building and age of building is below 46 years.

Major Exclusions

  1. Strike, riot, lock out, civil commotion or persons taking part in labour disturbances.
  2. Malicious damage by any persons.
  3. War, Terrorism, Contamination & Explosives.
  4. Cyber Loss.
  5. Sonic bangs, total asbestos, pollution and radioactive.
  6. Sanction limitation.
  7. Communicable disease.

*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.

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