Shop / Office Protection Package
If you are after a simple, packaged solution to protect your business against the most likely risks, you can consider this all-in-one solution.
The product is designed for small businesses that meet the following criteria:
- Up to 50 employees
- Turnover up to HK$115 million
- Property Sum Insured up to HK$150 million
| Cover Section | Shop Protection Package (HK$) | Office Protection Package (HK$) |
|---|---|---|
| Trade/ Office Contents All Risk | $150,000,000 | $150,000,000 |
| Business Interruption/Loss of Income | $500,000 | $1,000,000 |
| Breakage of Glass | $50,000 or 10% of Trade Contents, whichever is lesser | N/A |
| Money | $30,000 | $50,000 |
| Malicious Attack | $1,000,000 | $1,000,000 |
| Public Liability | $10,000,000 |
$10,000,000 |
| Optional Cover (HK$) | ||
| Employees’ Compensation | $200,000,000 | $200,000,000 |
For this product
Business Insurance Solution
We understand that no two businesses are the same, so too are your insurance needs. If you are looking for broader coverage, this product is for you. It offers a bespoke solution that can be tailored to your specific needs and budget.
The product is designed for SMEs that meet the following criteria:
- Up to 50 employees (For SMEs with 50 or more employees, please contact your QBE account handler for a customised quotation)
- Turnover up to HK$200 million
- Property/Business Interruption Sum Insured up to HK$80 million
With the option to take out either a mono line or bundled policy, you can save time and money by consolidating your insurance needs into one policy, with one insurer. You can choose from 10 different insurance covers to tailor fit your specific needs.
Product classes with mono line or bundled policy options
| Mono Line Policy | Bundled Policy | |
|---|---|---|
Options that can be taken individually:
|
Options that can be taken up with Property All Risks:
|
Option that can be taken up with Property All Risks or Public and Products Liability:
|
Business Insurance Solution offers two levels of coverage with different limits, depending on your needs
| Cover Section | Standard Package (HK$) | Superior Package (HK$) |
|---|---|---|
| Property All Risk | Up to $80,000,000 | Up to $80,000,000 |
|
Business Interruption - Increased Cost of Working |
$500,000 | $1,000,000 |
| Public Liability | $10,000,000 | $20,000,000 |
|
Miscellaneous Property - Portable Electronic Equipment - Musical/ Sports Equipment - Art/ Antique/ Wine/ Tea/ Valuable Collection |
$10,000 $10,000 $10,000 |
$10,000 $10,000 $10,000 |
|
Money - Blanket Cover |
$50,000 | $100,000 |
| Fidelity Guarantee | 20,000 | $30,000 |
|
Inland Transit - All Risk - Overland Transportation |
$100,000 | $100,000 |
| Optional Cover (HK$) | ||
|
Personal Accident - Death and Permanent Disablement - Temporary Disablement - Medical Expenses |
Up to $6,000,000 Up to $6,000 Up to $300,000 |
|
| Employees’ Compensation | Limit of liability: up to $200,000,000 | |
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.