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.
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SME
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.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.
Remark: The proposal form focuses the basis of the policy, please give a full reply to each questions. Please submit the form to your Relationship Manager or Underwriting for a quote.Renovation
A comprehensive cover for your home, office and shop renovation works.
More business insurance products
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.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 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.Marine
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.Office
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 professionalsIn 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.
Directors’ & Officers’ Management Liability Insurance – Brochure & Proposal FormMalpractice Liability Chinese Practitioner – Brochure (only chi available) (Inception on or before 1 March 2026)Malpractice Liability Chinese Practitioner – Proposal Form (Inception on or before 1 March 2026)Malpractice Liability Chinese Practitioner – Renewal Form (Inception on or before 1 March 2026)Malpractice Liability Chinese Practitioner – Brochure (only chi available) (Inception on or after 2 March 2026)Malpractice Liability Chinese Practitioner – Proposal Form) (Inception on or after 2 March 2026)Malpractice Liability Chinese Practitioner – Renewal Form) (Inception on or after 2 March 2026)Allied Healthcare Professionals - Brochure (Chinese Version only)Allied Healthcare Professionals - Proposal FormRetail
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.Foreign Worker Insurance
As more foreign workers enter the Hong Kong market under the Enhanced Labor Support Scheme (ESLS), we have developed a specialized Foreign Worker Insurance for employers. This insurance is designed to address the government's requirements for employers to cover medical and dental expenses for foreign workers.
Our Foreign Worker Insurance aims to help employers mitigate potential high medical costs, ensuring your business runs smoothly.Event Insurance Package
Our Event Insurance Package is designed for any party involved in hosting events in Hong Kong, combining Event Public Liability (PL) and Group Personal Accident Insurance (GPA). This unified solution simplifies the purchasing process and provides robust coverage for liability, injury, death, and medical expenses. You can choose to select only PL, only GPA, or both in one proposal form to suit your specific needs.
The Risks of Regret Report – Hong Kong
Important Notice
The above general insurance product ("Product") is underwritten by QBE Hongkong & Shanghai Insurance Limited ("QBE Hong Kong") which is authorised and regulated in Hong Kong by the Insurance Authority ("IA"), and is only applicable to licensed individual insurance agents of Manulife (International) Limited (incorporated in Bermuda with limited liability), who have also registered as licensed individual insurance agents appointed by QBE Hong Kong.
The above products are provided by QBE Hong Kong. In case of any disputes, please contact QBE Hong Kong directly.