Choosing a Corporate Insurance Broker in Hong Kong
Your Employees’ Compensation policy renews in three weeks. Your Group Medical renewal last year came with a bigger increase than anyone budgeted for. The person who arranged both has moved on, or you’ve never been quite sure whose side they were on. So you start looking for a corporate insurance broker firms can rely on, […]
Office Contents and Equipment Cover in Hong Kong
Picture the morning after a break-in. The roller shutter is bent, three laptops are gone and the filing cabinet is hanging open. Your clients still expect their report on Friday. Office Contents Insurance policies exist for exactly that. Whether they pay in full depends on various policy details that most owners never read until a […]
Shop and Retail Premises Insurance in Hong Kong: A Tenant’s Guide
You plan to open a shop in Hong Kong, and need to arrange the insurances. The landlord’s building policy is built around the common parts: the lobby, the lifts, the corridors. You need to insure the stock, shelving, shopfront glass and accidental injuries to customers who slip or are injured in any part of the […]
Employees’ Compensation: What Hong Kong Law Requires
Employees’ Compensation insurance is the only insurance a Hong Kong business is compelled by law to hold, and the only one where failing to hold it is a criminal offence rather than a commercial risk. Section 40 of the Employees’ Compensation Ordinance requires every employer to take out and maintain a valid policy covering their […]
Professional Indemnity Insurance in Hong Kong: Who Needs It?
Professional indemnity insurance in Hong Kong is the safety net between an honest mistake and a claim that could put real strain on your business. Age does not matter: whether it is your own company or a large one, time has been spent building a reputation and a client base, and a professional indemnity policy […]
Cyber Insurance for Hong Kong SMEs: Do You Need It?
Cyber insurance in Hong Kong, once treated as a luxury product for banks and big multinationals, has quietly become a core protection for small and medium businesses. If you have built a company that holds customer records, takes online payments, runs on email and cloud tools, or depends on a website to trade, a cyber […]
Wedding Insurance in Hong Kong: What It Covers and What It Does Not
A Hong Kong wedding is frequently the largest single discretionary purchase a couple makes before a property, and it is almost always uninsured[16]. That is not irrational. Most weddings happen without incident and the cover is an unglamorous line on a budget that is already uncomfortable. But the exposure is unusual:[8] a very large sum, […]
Commercial Building and Contents Insurance in Hong Kong
Commercial property claims almost never fail because the building was uninsured. They fail because two policies each assumed the other one covered something[9]. The structure is insured by the landlord, the owner of the property, under the deed of mutual covenant or the lease[4]. A fit-out, any change to the property interior by the tenant, […]
Drone Insurance in Hong Kong: What the Rules Require
Drone rules in Hong Kong changed when the Small Unmanned Aircraft Order came into operation,[3] and a good many operators are still working to a certain model from before it did. The SUA Order sets out a category-based system, requiring consideration whether you must register the drone, need to be trained as a pilot operator […]
Employees’ Compensation Insurance: Every Hong Kong Employer’s Legal Duty
If you are in your forties, fifties or sixties and you have built a business here, taking on your first employee is a proud step, and it comes with one duty that is easy to overlook. If you employ even one person in Hong Kong, Employees Compensation insurance is not optional. Under the Employees’ Compensation […]
