Item

Scope of Coverage

Maximum Limit of Indemnity (HK$)

Plan 1

Plan 2

Plan 3

1.

Contents and Equipment²

500,000

/year/event

1,000,000

/year/event

1,500,000

/year/event

1.1.

Furniture, fixture, fittings and utensil, equipment, electrical appliance, machinery or interior decorations

100,000/item

1.2.

Stock and samples of general merchandise³(If the Maximum Limit of Indemnity in this item is insufficient, you can determine own cover limit for stock under the Optional Coverage)

500,000/event

(35,000/item)

600,000/event

(35,000/item)

750,000/event

(35,000/item)

1.3.

Material costs of computer systems¡¦ records, and clerical labour costs for reproducing such records⁴

100,000/event

(5,000/item)

100,000/event

(10,000/item)

100,000/event

(15,000/item)

1.4.

Any document, map, deed, tape, file, etc.⁴

25,000/event

(4,000/item)

25,000/event

(5,000/item)

25,000/event

(6,000/item)

1.5.

Personal effects and valuables of Insured, directors, partners or employees

8,000/event

(4,000/person)

10,000/event

(5,000/person)

12,000/event

(6,000/person)

1.6.

Works of arts

15,000/year

(5,000/item)

20,000/year

(5,000/item)

25,000/year

(5,000/item)

1.7.

Seasonal increase in sum insured for stock from 1 November to 1 March for free  

Maximum Limit of Indemnity increased by 30%

Free Extension Coverage:

A.

Damage to business premises due to theft or attempted theft

50,000/event

100,000/event

150,000/event

B.

Loss of or damage to contents that have been temporarily removed from office or shop for cleaning, renovation, repair or similar purpose

10% of Maximum Limit of Indemnity for

¡§Contents & Equipment¡¨/event

C.

Damage to fixed mirror or glass

20,000/event

D.

Removal of debris

10% of Maximum Limit of Indemnity for

¡§Contents & Equipment¡¨/year

E.

Fire extinguishing expenses

40,000/year/event

50,000/year/event

60,000/year/event

F.

Architects', surveyors' and consulting engineers' fees

5,000/event

G.

Damage to office or shop¡¦s contents and stock during lawful alterations, decoration or repair

Maximum Limit of Indemnity for ¡§Contents & Equipment¡¨/year

(value of contractor works not to exceed the total of 250,000 each contract)

Maximum Limit of Indemnity for ¡§Contents & Equipment¡¨/year

(value of contractor works not to exceed the total of 500,000 each contract)

Maximum Limit of Indemnity for ¡§Contents & Equipment¡¨/year

(value of contractor works not to exceed the total of 750,000 each contract)

H.

Damage to advertising signs or decorations (this coverage is only applicable to Insured as shop)

20,000/year

(10,000/event)

30,000/year

(15,000/event)

40,000/year

(20,000/event)

I.

Replacement of locks

5,000/year

10,000/year

15,000/year

J.

Loss of or damage to stock in transit

30,000/year

50,000/year

75,000/year

K.

Loss of or damage to document in transit

4,000/year

5,000/year

6,000/year

2.

Business Interruption

500,000/year

1,000,000/year

1,500,000/year

Cover the additional expenses incurred to reinstate the normal conduct of office or shop in consequence of damage to property insured under Basic Coverage - item 1 (maximum indemnity period: 12 months)

Free Extension Coverage:

A.

Professional accountants¡¦ charges ¡V the professional accountants¡¦ charges incurred for investigation and verification of claims

50,000/year

B.

Denial of access - interruption of business as a result of denial of access to the office or shop for more than 48 consecutive hours due to damage to neighboring property

Maximum Limit of Indemnity for ¡§Business Interruption¡¨ /year

C.

Failure of public utilities - interruption of business as a result of failure of public utilities for more than 48 consecutive hours

Maximum Limit of Indemnity for ¡§Business Interruption¡¨ /year

D.

Loss of profit ¡V protect against loss of profit incurred following insured damage to the contents and equipment. The maximum indemnity period is 6 months and the time excess is 48 hours.

30% of Maximum Limit of Indemnity for

¡§Business Interruption¡¨ /event

3.

Loss of Money

3.1. Accidental loss of money including loss of crossed cheques, crossed postal orders, crossed bankers¡¦ drafts and credit card sales vouchers

300,000/event

500,000/event

750,000/event

3.2. Other than item 3.1 above, this section provides loss of money protection as below:

(i) Accidental loss of money at the office or shop during business hours

40,000/event

50,000/event

60,000/event

(ii) Accidental loss of money whilst in transit anywhere in HKSAR in the custody of the Insured or authorized employees

40,000/event

50,000/event

60,000/event

(iii) Accidental loss of money in a bank night safe

40,000/event

50,000/event

60,000/event

(iv) Accidental loss of money at the office or shop after business hours which is kept in a locked safe or strongroom

40,000/event

50,000/event

60,000/event

(v) Accidental loss of money at the office or shop after business hours which is not kept in a locked safe or strongroom

4,000/event

5,000/event

6,000/event

(vi) Accidental loss of money whilst at the residence of directors, partners or authorized employees

2,000/event

2,500/event

3,000/event

Free Extension Coverage:

A.

Damage to safes or strongroom caused by theft or attempted theft

40,000/event

50,000/event

60,000/event

B.

Loss caused by the acceptance of counterfeit money (applicable to HK dollar & Renmenbi notes only)

15,000/event

4.

Personal Accident

200,000/event

(100,000/person)

300,000/event (100,000/person)

Accidental death or permanent total disablement of the directors, partners or employees as a result of theft or attempted theft in the course of his duties in the office or shop (cover for insured person aged from 18 to 65 years old only)

5.

Public Liability⁵

5,000,000

/year/event

10,000,000

/year/event

15,000,000

/year/event

Protect the employers and/or the employees against legal liability in respect of third party bodily injury / death or property damage due to negligence happening in the office or shop in connection with business

Free Extension Coverage:

A.

Overseas commercial visits - legal liability for the directors, partners and employees when traveling overseas for business

Maximum Limit of Indemnity for ¡§Public Liability¡¨/event

B.

Food and drink - legal liability for visitors suffering from food poisoning arising from the provision of foods and drinks by the Insured

20% of Maximum Limit of Indemnity for

¡§Public Liability¡¨/event

C.

Tenants liability ¡V legal liability as tenant to the landlord against damage to the rented office or shop

50% of Maximum Limit of Indemnity for

¡§Public Liability¡¨/event

D.

Independent contractor's liability - legal liability for causing third party bodily injury / death or property damage due to alteration or addition to the office or shop

Maximum Limit of Indemnity for ¡§Public Liability¡¨/ event (value of contractor works not to exceed the total of 250,000 each contract)

Maximum Limit of Indemnity for ¡§Public Liability¡¨/ event (value of contractor works not to exceed the total of 500,000 each contract)

Maximum Limit of Indemnity for ¡§Public Liability¡¨/ event (value of contractor works not to exceed the total of 750,000 each contract)

E.

Social, sports and welfare activities - legal liability for provision and management of social, sports and welfare activities

Maximum Limit of Indemnity for ¡§Public Liability¡¨/event

F.

Advertising signs or decorations liability ¡V legal liability caused by the Insured¡¦s advertising signs or decorations (this coverage is only applicable to Insured as shop)

Maximum Limit of Indemnity for ¡§Public Liability¡¨/event

6.

Fidelity Guarantee

15,000/year

20,000/year

25,000/year

Indemnify the insured against loss of money directly arising from any fraud or dishonest act of the insured¡¦s employees

Note:

1.       Shops¡GMeans retail shops in general such as, fashion, eyeglass, leather, shoes, bookstore, ironware, grocery, sweets, medicine, toys model, sportswear, and the like category.

2.       Contents and Equipment: Total maximum amount payable shall not exceed the selected maximum limit of indemnity. Excess for

2.1Office insured: the first HK$500 of each claim (including theft) or the first HK$3,000 or 10% of loss results from water damage (whichever is higher).

2.2 Shops insured: the first HK$1,000 of each claim (including theft) or the first HK$3,000 or 10% of loss results from water damage (whichever is higher).

3.       Stock and samples of general merchandise: Exclude high-value goods including but not limited to mobile phones, electronic goods, video, audio and photographic equipment, precious metals & gems, jewelry & watches, fur, edible bird¡¦s nest, ginseng and the like goods.

4.       Computer systems¡¦ records ; Any document, map, deed, tape, file etc.: Coverage is limited to material, labour and time costs spent on writing up or reproducing the lost or damaged items.

5.       Public Liability: Total maximum amount payable shall not exceed the selected maximum limit of indemnity. Excess for Shop is the first HK$1,000 of each claim or the first HK$3,000 or 10% of loss results from water damage (whichever is higher).

Item

Scope of Coverage

Maximum Limit of Indemnity (HK$)

1.

Employees¡¦ Compensation

100,000,000/event

Cover the legal liability as an employer under the Employees¡¦ Compensation Ordinance or Common Law for the bodily injury or death of his / her employees arising out of and in the course of the employment.

Extension Coverage:

A. Accidental bodily injury sustained whilst the clerical and sales employees travel overseas for business purpose (applicable to the employees insured under the wordwide cover only)

B. Accidental bodily injury sustained whilst the employee is participating in social, sports and welfare activities provided by the employer.

2.

Buildings (Fire)

as per sum insured

Cover buildings of insured office or shop at which it is situated against accidental physical loss of or damage due to fire, lightning, earthquake, vehicle impact, typhoon, windstorm & flood, water tanks, apparatus & pipes, explosion of boilers and gas used for domestic purposes, etc.

Excess: The first 3,000 of each and every claim due to earthquake, vehicle impact and water damage.

3.

Stock

as per sum insured

Increase the ¡§Stock¡¨ coverage under Basic Coverage to ensure adequate protection against loss of or damage to stock in the office or shop.

Plan 1

Plan 2

Plan 3

Office insured

1,150

2,000

2,700

Shops⁶insured

1,500

2,300

3,300

 Employees¡¦ Compensation⁷

Buildings(Fire)⁸

Stock

Office insured

i.        Clerical staff¡Gannual earnings x 0.2%     (0.3% for worldwide cover)

ii.       Private car drivers¡Gannual earnings x 0.3%

i. Shopping mall or commercial buildings¡G0.07%

ii. Industrial buildings¡G0.1%

as per sum insured x 0.2%

Shops insured

i. Sales staff¡Gannual earnings x 0.4%                 ¡@(0.5% for worldwide cover)

ii. Sales staff (include cuttings and operate small machine¡Gannual earnings x 1%            ¡@(1.15% for worldwide cover)

iii. Delivery worker & driver (exclude to and from dock or construction site) : annual earnings x 0.5% (0.6% for worldwide cover)

iv. Delivery worker & driver (include to and from dock or construction site) : special quote

as per sum insured x 0.3%