| Product |
Features |
| Fire Insurance |
Provides simple cover against accidental loss of or damage to property caused by fire, lightning, or explosion of boilers or gas used for domestic purpose. Additional covers can be provided for other hazards, such as typhoon, windstorm and flood, bursting of pipes or overflowing of water apparatus, explosion, sprinkler leakage, earthquake, aircraft, vehicle impact, riot and strike and malicious damage. |
| Property All Risk Insurance |
Provides comprehensive cover against accidental loss of or damage to property caused by all hazards not excluded from the policy, such as fire, typhoon and water damage. |
| Business Interruption Insurance |
Provides cover against business interruption and subsequent loss of gross profit or additional expenditure following accidental loss of or damage to property caused by hazards insured under Property All Risk or Fire &/or Allied Perils policy. |
| Public Liability Insurance |
Provides cover against liability for third party bodily injury or third party property damage caused by accidents. The cover includes damages as well as legal expenses and costs. |
| Employees' Compensation Insurance |
Provides cover for the employer against his liability under the Employees’ Compensation Ordinance and at Common Law for paying compensation and cost in respect of accidental bodily injury sustained by any employees arising out of and in the course of employment. |
| Commercial Vehicle Insurance |
Provides comprehensive and third party liability cover against accidental loss of or damage to the insured motor vehicle and third party liability arising out of an accident caused by or in connection with the insured motor vehicle. There are also extra benefits, such as no claim discount protection, new for old replacement vehicles, windscreen cover, 24-hour emergency vehicle services and 24–hour claim enquiry service. |
| Contractors’ All Risk or Erection All Risk Insurance |
Provides cover against accidental damage (such as fire, water damage, storm, etc.) to materials of the contract works and also the third party liability arising out of construction projects. |
| Electronic Equipment Insurance |
Provides comprehensive cover against accidental damage to electronic equipment (e.g. computer equipment) caused by a wide range of hazards, such as fire, water damage and breakdown. |
| Machinery Breakdown and Machinery Consequential Loss Insurance |
Provides cover against accidental breakdown of machinery. Further protection against the loss of profit as a consequence of such breakdown can also be provided. |
| Marine Cargo Insurance |
Provides cover against loss of or damage to goods during transit by air, sea or road. The scope of cover includes all risks, theft, water damage, fire damage and other accidental damages. |
