Insurance contracts that do not come under the ambit of life insurance are called general insurance. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance.
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Every family needs a home. Therefore, you should make sure your hard-earned assets are protected against loss and damage caused by fire, explosions, natural disasters, malicious damage or theft with a comprehensive home insurance. Risk such as replacing locks if keys are lost or stolen, and replacing frozen food which spoils owing to breakdown of refrigerators are underwritten by some insurers. In addition, home insurance can protect you from legal liability to third party.
Driving a car can be a convenience and
leisure. However, it may also involve risk to others. Therefore, you should purchase
Third Party Cover as required by law, or a Comprehensive Cover to protect
yourself and your own car. Rating features include engine power, car value, use
of vehicle and driver etc. Feel free to contact us for comparison if you wish
to select a suitable motor insurance.
Regardless of the purpose of travel, i.e. for leisure or business, a travel insurance should be a must for you. A good travel insurance should cover your body injury, property damage & loss and any delay in journey. Moreover, some travel insurance can also protect home loss during your journey & third party liability.
Medical cost inflation in Hong Kong is much
higher than the Consumer Price Index (CPI). If you want to have quality medical
treatment in the future, you should have a medical insurance cover. A
comprehensive medical insurance can reimburse your medical expenses arising
from accident or sickness, and also costs such as medical appliances, targeted
therapy and hormonal therapy etc. You may purchase additional coverage on
labouring and dental treatment for your needs.
In addition to the Employees’ Compensation Insurance (ECI) required by law, being a good employer, you should protect your domestic helper with medical coverage. A good domestic helper insurance can also protect you as an employer against any loan and fraud of your domestic helper, repatriation and re-hiring due to medical reason of the domestic helper.
Contractors' all risks insurance can minimize your hassle and allow you to concentrate on the project. It usually covers two types of risks: The first risk is property damage which includes contract work, materials supplied by the Principal, construction plant and equipment, construction machinery and clearing of debris costs. The second risk is legal liability for third party injury or property damage arising out of the construction work.
According to Section 40 of the Employees' Compensation Ordinance, all employers (including contractors and sub-contractors) are required to take out insurance policies to cover their liabilities both under the Ordinance and at common law for injuries at work in respect of all their employees, irrespective of the length of employment contract or working hours, full-time or part-time, permanent job or temporary employment.
Accidents always happen even if you have taken all preventive actions. You cannot escape the legal responsibility for physical injury or damage to others’ property. All liability insurances are long-tail in nature, that means claims may arise and develop over a long period of time, possibly a few years. Therefore, other than a third party liability coverage, you also need an insurance broker for professional advice through the years.
A surety bond is an agreement in writing involving three parties, namely the principal, the obligee and the surety, under which the surety, in consideration of a fee paid by the principal, provides a financial guarantee to the obligee that the principal will fulfil his obligations – statutory obligations, contractual obligations, etc. The surety protects the obligee against losses resulting from the principal's failure to meet the obligation.
Reputation is the most important thing for a professional. With increasing complexity of business world, a single claim on your professional practice may ruin your prospect and career. Therefore, professional indemnity insurance can protect you from bearing full cost of defence against negligence claim by client and also damages awarded in civil lawsuit.
A physician’s negligent act can cause bodily injury, deterioration or death to a patient. Therefore, malpractice indemnity insurance is specially designed to protect healthcare professionals against claims caused by their negligent or unintentionally harmful treatment decisions.
Most personal accident insurance pay out
lump sum benefits when the insured dies or suffers bodily injury as a result of
an accident. They usually exclude death or injury which caused by sickness,
disease, any naturally occurring condition or process. A typical personal
accident policy lists out specified injuries including death, loss of limb,
loss of sight, burns and various specified lesser injuries, with corresponding
benefit against each. In addition, personal accident insurance can cover
hospital benefit and medical expenses arise from accident.
Corporation insurance covers a broad category of business protection, acting as a robust safety net for corporations. It aims to protect businesses’ own property, employees and their daily operations against unexpected disruptions. This shields them from financial losses caused by issues such as fires, natural disasters or any liability claims. WIth the right corporation insurance, businesses can navigate challenges and maintain long-term business stability.
Operating a restaurant can be risky. Loss of stock and money, employee injury, customer’s property damage, injury and food poisoning are major risks. Food and Catering Insurance is a combined policy designed for catering industry. With one single policy, you can have a peace of mind and focus on your business.
In today’s rapid expanding world, international trade is the lifeblood of the global economy. Maritime and logistic industries are not exempt from today’s unprecedented levels of global uncertainty. To ensure the logistical cargo is covered every step of the way, they need insurance solutions that understand the intricacies of their business and their industry, Marine Cargo Insurance & Inland Transport Risk is a sole solution for this as it can cover the loss/damage of logistical cargo from any other means of transport by which goods are transferred, acquired, handled or held between the points of origin to the final destination.
Most water crafts including large vessels are always at the risk of loss or damage due to sea perils. Marine Hull Insurance is an insurance policy designed to provide All Risks (other than specifically excluded) coverage of a hull body, materials and machinery outfits for all kinds of vessels: Commercial Vessels, Barge, Tugboat, Bulk Carrier, Yacht, Pontoons & Fishing Boats etc.
SMEs handle heavy workloads on in their day-to-day, with many tasks split amongst a small workforce. Yet they still have to face risks just as all other businesses above this. Thus, we offer tailor-made solutions to help SMEs manage their many risks. Our packages fulfill all needs for employees and employers, and can insure contents & stock, business interruption, loss of money & assault, third party liability, personal accident, employee's commission and many more. With these packages, SMEs can ensure they have peace of mind, allowing them to focus on the functions of their business only.