Business Liability Insurances
Public Liability, CAR, CGL, Product, Tenant, events ...
Every business, large or small, faces exposure to claims from customers, visitors, suppliers, or even the public. A simple slip on your premises, a malfunctioning product may lead to costly legal action.
There are various Liability Insurances, depending on your requirement, covering legal fees, settlements, and compensation payments arising from accidents and incidents, whilst keeping your operations secure and your reputation intact.
Who Needs Business Liability Insurance?
Liability Insurance, in various formats, is essential for any company or individual interacting with the public, customers or clients:
All business owners, manufacturers, contractors (interior designers, …
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plumbers, carpenters etc), personal trainers or coaches, teachers, anyone organising an event or exhibition etc.
A small incident can lead to a serious claim, and legal expenses alone can be financially damaging.
It’s important for businesses with physical premises (offices, shops, restaurants, clinics, warehouses etc), that provides services on site, and any company selling products.
In Hong Kong’s fast-paced commercial environment, skipping liability risk is not optional — ensure you are fully covered.
Possible Pitfalls We Help You Avoid
“We are careful, nothing will happen” – In reality, many claims come from accidents that are nobody’s fault — a slip-and-fall, damaged property, or an injury can trigger legal action and compensation demands many years later.
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Geographic Limitations – Many policies limit the area of cover and cover is not provided outside Hong Kong. If you are a global company, you need liability cover outside Hong Kong.
Contractual Exclusions – Your landlord or client contract requires specific liability wording — and the policy doesn’t meet those obligations.
Product-related Claims – Manufacturers and retailers face liability claims if a product they manufacture causes bodily injury, death or property damage.
Expat Insurance regularly sees businesses underestimating the size of claim payments. Liability limits can be exhausted very quickly once the legal defence costs, medical costs, and settlement amounts are included — especially for bodily injury cases. We advise on realistic limits to ensure your policy responds where it matters most.
Why Work With Expat Insurance?
Liability policies vary widely between insurers — not just in price, but definitions, exclusions, extensions, and claim handling. Those details decide whether your claim is paid smoothly or disputed.
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At Expat Insurance, we consider your operations, contracts, premises risks, and industry exposure, then compare multiple insurers, explain the wording clearly, and negotiate stronger terms. Including broader liability definitions and better indemnity limits where possible. When claims happen, we also support the process so you’re not left handling it alone.
Which Liability policy do you need?
Public Liability – protects against accidental third party bodily injury, death, property damage, defense costs and compensation payments
Commercial General Liability (CGL) – the business is protected …
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from financial loss due to liability claims for bodily injury, property damage, advertising injury etc.
Contractor All Risks Liability (CAR) – A contractor providing a service, fixing, maintaining or constructing should be covered for property damage or third-party bodily injury claims.
Product Liability – Protects against bodily injury, death or property damage claim payments from any malfunctioning product, designed and/or sold. The cost of recalling the malfunctioning products is also covered.
Event Liability – Organising an event requires Liability ensuring no-one is injured. e.g. an event, exhibition, any gathering etc.
Tenant Liability – Protection for legal and financial responsibility to the landlord’s property or third-party injuries occurring within the rented or leased premises, office or shop space.
Done properly, Liability insurance becomes your financial safety net — protecting your business reputation, cash flow, and long-term stability when unexpected incidents occur.
Let's Get Your Insurance Done Right
Choosing Liability Insurance can be complex. Insurers define limits and exclusions differently, and those details matter when it’s time to claim. Expat Insurance walks you through every step.
We start with a detailed risk review.
We discuss your business activities, facilities and interactions to find liability exposures.
We compare and clarify policies.
We provide side-by-side comparisons from multiple insurers to find better value and coverage.
We negotiate stronger protection.
We can arrange higher indemnity limits, broader definitions, and lower deductibles where possible.
We stay with you long-term.
We assist with renewals, claims handling, and ongoing advice as your business grows.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help 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
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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 scenarios happen regularly, as a sudden illness or accident can quickly strain finances. The difference between safety and vulnerability is having the right coverage.
