Hong Kong businesses are more likely to seek business liability and professional indemnity insurance only after an incident or crisis occurs, according to research by QBE. As a result, these companies are missing out on the potential opportunity for compensation when something does happen – putting themselves, their businesses, employees and customers at risk.

QBE’s ‘The Risks of Regret – Business Liability and Professional Indemnity Report 2017’ examines some of the key challenges facing businesses in Hong Kong and how they are tackling these risks.

Learn more about ‘The Risks of Regret’ findings here.

Our business insurance products


Tailored business insurance solutions for SMEs

Small- to medium-sized enterprises (SMEs) can be vulnerable to various risks that could potentially lead to financial and legal issues as well as damage to corporate reputation.

Commercial Motor

Keep your commercial motors moving with the right protection

Your commercial vehicles are exposed to various risks such as thefts, accidents and the actions of other drivers, which are simply beyond your control. Our commercial motor insurance provides comprehensive protection for your company vehicles and drivers against accidental damage, loss, third party liability for bodily injury, death or property damage.

Commercial Property

Protect your business from financial loss from property damage

Your business may own property that is vulnerable to various risks, such as fire, explosions and natural catastrophe. Our experts are on-hand to tailor an insurance solution to protect your commercial property should the unexpected occur.

Construction & Engineering

Manage risks of your construction and engineering projects, large or small

With our specialist expertise, we can provide your business with comprehensive protection against various risks, such as damage to your project and liability against third-party claims arising from construction and engineering works. Our flexible approach means we can tailor our insurance solution to your specific needs.

Employees' Compensation

Keep your employees and your business protected with our quality and cost-effective solutions

Injuries in the workplace can happen. When one of your employees suffers an injury at work, our employees' compensation insurance can help your employee cover medical expenses and lost wages. This helps ease the human impact and the financial risk to your business as serious injuries may result in costly lawsuits.

General Accident

Safeguard your business and its valuable assets from the unexpected

Your business can be vulnerable to various risks that can lead to financial loss. In the event of the unexpected, you need to have the confidence that the right protection for your business property is in place.

General Liability

Mitigate your business liabilities that could spring from your day-to-day operations

Whatever industry your business is in, our general liability insurance protects your business from the financial fallout of third party claims, which can be both civil and criminal in nature.

Group Health

Take care of your employees' wellbeing to retain and attract talents

Our group health insurance provides protection for your employees against healthcare and medical expenses. This can also help you retain and attract talents for your company.

Group Medical Insurance – Member Amendment Form

Group Medical Insurance – Member Enrollment Form

Group Medical Insurance – Member Termination Form

Group Travel

Worry-free business trips for you and your employees

The hazards associated with business travel can be expensive. The risks can include flight delays, accidental loss of baggage or personal belongings, unexpected illnesses and even third-party liabilities, and all of these can quickly mount up when your employees are on business travel overseas.


Specialist protection for your moving cargo by air, sea or road

As a specialist marine insurer with more than 130 years in the global market, our marine insurance solutions are as varied as our customers, including import/export businesses, truck operators, ship repairers, private yacht owners and more. Whatever your needs, our experts have the local and international expertise to design cover that works for you.


All-round protection for your office

Your business operations can be disrupted in the event of fire, typhoon, bulgary, computer system failure or the loss of important documents. Our office protection insurance is an all-in-one solution to help you mitigate risks, giving you the peace of mind so you can focus on running your business.

Professional Liability

Specialty insurance provides a financial safety net for corporations and professionals

In a world of increasing personal responsibility and accountability, professional liability insurance is an essential component of risk management and a small investment for big peace of mind. It provides corporations and professionals with a financial safety net in the event of legal liabilities, litigations and resultant damage.

Associations Liability Insurance

Directors' & Officers' Management Liability Insurance

Medical Malpractice Insurance

Professional Indemnity Insurance

Information and Communication Technology Insurance


All-round protection for your shop

As a retail shop owner, your business can be disrupted in the event of fire, typhoon and theft that can result in damage to stock and shop contents. Our retail protection insurance is an all-in-one solution to help you mitigate risks, giving you the peace of mind so you can focus on running your business.

Trade Credit

Trade with confidence knowing your business is protected against bad debt

In the international or domestic business arena, when a company agrees to sell its goods or services on credit terms in lieu of cash-on-delivery or pre-payment, there is an inherent risk of non-payment. Our trade credit insurance helps protect your cash-flow by covering your losses if a debtor defaults on payment or becomes insolvent, giving you the peace of mind to focus on running your business.

The Risks of Regret Report – Hong Kong

Important Notice:
The above only serves as a general description of our products and services. For full product details and coverage, please check with your local insurance broker or a QBE authorised agent.

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