Individual Travel
provides insurance coverage for pitfalls associated with travel, including accidents while traveling, trip cancellation, trip interruption, lost luggage and default protection etc.
Contractor All Risks
indemnifies the insured against legal liability for accident damage to physical property or accidental death, bodily injury to third party, arising out of the performance of contract. Policy can also provide Employees' Compensation Insurance against contractor's liability to its employees, and provide cover against any unforeseen and sudden physical loss or damage to the materials and insured property being part of the contract works, other than perils specifically excluded.
Home
provides insurance coverage for accidental loss or damage to household contents and non-vehicle personal liability for injuries and property damage at home and anywhere else in the world. The insured can also pay additional premium to cover against unforeseen and sudden physical loss of or damage to the Insured’s building or the damage to, destruction of, or theft of personal property anywhere in the world.
Individual Personal Accident
indemnifies or pays a stated benefit to insured or his/her beneficiary in the event of bodily injury or death due to accidental means (other than natural causes). The insured can also pay additional premium to include the benefits such as medical expenses and income payments etc.
Fire and Allied Perils Policy
provides extensive cover against accidental physical damage or destruction to insured property caused by fire, lightning, explosion of boilers or gas plus extra perils such as aircraft or aerial device, bush fire, earthquake, vehicle impact, riot and strike, malicious damage, sprinkler leakage, typhoon and windstorm, bursting or overflowing of water tanks, apparatus or pipes.
Property All Risks
provides a comprehensive cover against accidental physical damage or destruction to insured property caused by any perils other than the excluded causes stated in the policy.
Public Liability
covers you against any claims made against your business in the event of accidental bodily injury or damage to property not belong to you. The insurance will also cover you for any legal costs associated with defending claims against your business.
It is vital to keep your Public Liability policy up-to-date to reflect any changing circumstances in your business. As your business expands you are likely to find your risks grow too.
Products Liability
covers you against legal liability (and associated legal costs) in respect of injury to any person or loss of or damage to property caused by any products supplied by you.
Whether you are a manufacturer, a vendor, a supplier, or an exporter, you are exposed to the risk of products liability claims. In fact, any link in the chain of commerce is exposed to this risk.
Business Interruption
provides cover against loss of gross profit or income as a result of business interruption or interference caused by a hazard insured under Fire and Allied Perils &/or Property All Risks Policy.
Fidelity Guarantee
provides cover against all direct pecuniary loss sustained by any act of fraud or dishonesty committed by any of the employees in connection with the duties of the insured Employee and discovered during the period of insurance.
Money
provides cover against loss of money occurring in the insured premise or in transit and cost of repair or replacement of the safe or strongroom directly associated with any theft or attempted theft.
Employees' Compensation
compensates for the loss of earning income and medical benefits to the employee, or income benefits to their dependents as a result of an injury in the course of his/her work. ("Injury" includes Death, Permanent Incapacity, Temporary Incapacity, Medical expenses and specific Occupational Diseases). It safeguards employers against liability under the Employees' Compensation Ordinance as well as at common Law when employee injures themselves during the course of their employment in Hong Kong.
Office Package
is a simple all-in-one insurance solution exclusively designed to meet the needs of your office in Hong Kong. Apart from "Property All Risks" Cover on the contents and stocks of your office, this insurance solution also covers for Increased Cost of Working, Money and Assault, Public Liability as well as Employees' Compensation Insurance.
Shop Package
is a simple all-in-one insurance solution exclusively designed to meet the needs of different types of business in Hong Kong. Apart from "Property All Risks" Cover on the contents and stocks of your shop, this insurance solution also covers for Increased Cost of Working, Money and Assault, Public Liability as well as Employees' Compensation Insurance.
Marine Cargo
is shipper's policies covering one cargo exposure or all cargo exposures by sea on ALL RISKS basis. In Hong Kong market, the most commonly used clauses are the Institute Cargo Clauses (A) 1/1/1982. Applicants can also choose other restrictive coverage such as Institute Cargo Clauses (B) or Institute Cargo Clauses (C) according to the cargo nature or other situation.
Goods-In-Transit
provides protection for goods shipped on land within Hong Kong and transit between Hong Kong and Guangdong Province. It includes insurance on imports and exports, domestic shipments, and means of transportation such as bridges and tunnels.
The insurance provides business risk coverage for property damage or destruction of an insured's property.
Marine Hull
covers physical damage to the ship
or vessel. It provides coverage of the hull of a ship and its tackle, passenger fittings, equipment, stores, boats, and ordnance.
Pleasure Craft
indemnifies the owner of pleasure craft in the Hong Kong waters against legal liability for death or bodily injury of any third parties with an authorized insurer for the minimum amount as required under the merchant shipping ordinance as legalized by the HKSAR government. Apart from the third party risks, the owner of pleasure craft can choose to cover the vessel's own damage on the comprehensive basis at the same time.
Golfer Insurance
protects golfers from Third Party Liability risk. Golfers can pay more premium for the protection against Personal Accident, Loss or damage to golfing equipment & Personal Effects, as well as Cash Award if a verified Hole-in-one is achieved.
Private Motor Vehicles
covers third party legal liability for causing third party's death or bodily injury and/or legal liability for causing third party's property damage. Drivers can also choose to cover against accidental loss of or damage to the insured motor vehicle including the loss of or damage to the insured motor car and/or its accessories or spare parts on the more comprehensive basis with more premium.
Other G.I. Products
should you have any inquiries about other General Insurance products or Tailor-made products for enterprises, NGOs or NPOs, please contact us at 35903657 or through Email.