Business Insurance
Offices, clinics, shops, bars and restaurants, Schools, warehouses, shipyards etc
Running a business in Hong Kong offers huge opportunities — but also financial risks. Protect the businesses property and stock, be covered for business interruptions, injuries to employees, and liability claims. A single incident may cost hundreds of thousands of dollars.
Expat Insurance understands how your business operates, then advises on the coverage required to protect the company.
Who Needs Business Insurance?
Business Insurance is essential for companies in Hong Kong. Protecting your assets, income, legal responsibilities and employees from unexpected events. Whether an SME, consultant services, …
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retail operations, a logistics company, or new startup, it takes one serious incident — a liability claim, property loss, or operational disruption, to create financial damage overnight.
The correct insurance is important to protect the business premises, equipment, stock, employees and business liability. The right insurance allows you to grow with confidence, knowing you have protection in place if something goes wrong.
Possible Pitfalls We Help You Avoid
Business insurance often fails not because companies “don’t buy it”, but because the policy does not cover what is required. One common issue is underinsurance — many businesses underestimate the real replacement cost of equipment, stock, or office renovation costs.
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Every business has different risks. Two companies operating in the same industry may have completely different exposures. Contract requirements, staff structure, premises, clients, and how revenue is generated.
Comparing policies directly is difficult, because insurers use different wording, conditions, and exclusions — and the most important details may be buried in the fine print.
Why Work With Expat Insurance?
Expat Insurance works to understand your business operations and identify vulnerabilities. As Business Insurance policies are usually provided as package policies, we may arrange separate policies providing suitable cover for your requirements. We compare …
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different insurers policies, explain coverage in clear terms, and ensure you understand what is included — and what is not.
Expat Insurance continues to discuss your options, staying involved to manage renewals, policy changes, and claims support, so your coverage stays aligned as your business grows.
What Does Typical Cover Include?
Depending on the businesses, a typical policy would cover Loss of or Accidental Damage to property by Fire, Theft, Water Damage, Typhoon damage and other risks. Cover may also include …
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Stock, Loss of Money, Personal Accident, Business Interruption, Equipment and Machinery breakdown, Premises Public Liability, Tenants Liability and Employees’ Compensation.
Additional cover can be added for industry-specific risks, contract requirements, and other operational exposures. With the correct business insurance and coverage, your income, reputation, and long-term stability will not be affected — allowing you to focus on growth instead of uncertainty.
Let's Get Your Insurance Done Right
Business Insurance can be complex — different industries face different risks, and policy language is often unclear. Our role is to simplify everything and ensure your company receives the exact protection it needs at the best possible value.
understanding your business.
We assess your operations, exposures, and contracts before recommending coverage.
Policy comparisons
We review leading insurer options side-by-side so you can see where value truly lies.
We manage everything.
New policies to renewals and claims, we communicate with insurers directly.
We stay proactive.
We review your business annually and adapt the cover as your business evolves or regulations change.
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How Can We Help you?
Fill in your details below and we’ll be in touch to answer your questions. No hard sell. Just the friendly help and advice you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive plans with International cover for businesses, individuals and families — from hospital and surgical care to maternity, wellness checks, outpatient and dental protection.
Corporate / Group
Providing flexible Group Medical and Life plans helping promote employee well-being for long-term business success, and an increased employee retention for your business.
Business Insurance
Protecting company losses from damage to contents, property and stock, income loss, public liability, Employees' Compensation — ensuring stability and business resilience.
Property Insurance
Safeguarding your home and valuables from fire, theft, typhoons, storms, water and flood damage, accidental damage, public liability etc, keeping your property secure for your peace of mind.
Life Insurance
Financial security for your family and your peace of mind. Helping them stay stable, covering debts, mortgages, child education planning etc. Avoid any additional stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
In Hong Kong, these aren’t extraordinary events—one sudden illness or accident can instantly become a financial challenge. Being protected or exposed often depends on your policy coverage.
