Business Package Insurance

Business PackThe Wisdom Business Package Insurance is specially designed to meet your practical business needs. They provide a wide range of coverage to protect against all risks on your properties, money, legal liabilities and personal accident. With this comprehensive protection, you can now be free from worries by one single step!





Section 1 – Property All Risks

1. Loss of or damage to Contents or other insured property (other than stock) including:

    1. Machinery and equipment          
    2. Shop-front fixtures consisting of roller shutter door, door, fixed glass panel, neon sign or signboard
    3. Deed, document, card, tape, film or transparency
    4. Document in transit
    5. Computer system records           
    6. Work of art or curios
    7. Replacement of door locks
    8. Personal Effects of the Insured or employee of the Insured

2. Loss of or damage of Stock (Optional cover)


Free Extensions

  • Seasonal stock increase
  • Stock in transit
  • Damage to premises following theft
  • Damage to insured property during alterations and repairs of the premises
  • Fire extinguishing expenses    
  • Temporary removal
  • Professional fees
  • Additional cost of removal of debris

Section 2 – Business Interruption

Increase in cost of working incurred in consequence of damage to property insured under Section 1


Free Extensions

  • Denial of access                                                

  • Failure of public utilities                                            

  • Additional accounting fees


Section 3 – Money

  1. Loss of money in transit or on the business premises
  2. Loss of crossed cheques, crossed postal orders, crossed money orders, crossed bankers’ drafts and credit card sales vouchers
  3. Loss of or damage to safes and cash register caused by theft or attempted theft


Free Extension

  • The Sum Insured under this Section will be increased automatically by 20% on weekends and public holidays


Section 4 – Fidelity Guarantee

Loss of money due to acts of fraud or dishonesty committed by employee


Section 5 – Personal Accident

Accidental death or permanent total disablement of the Insured or employee as a result of fire, explosion, theft or attempted theft at the premises


Section 6 – Public Liability

Legal liability for accidental bodily injury or property damage to third parties


Free Extensions

  • First aid
  • Food and drink
  • Overseas visits
  • Social and sports club
  • Tenant liability



Section 7 – Employees’ Compensation

Employer’s liability to employee under the Employees’ Compensation Ordinance and Common Law up to the statutory limit required under the Ordinance


Free Extensions

  • Employee attending sports or social activities
  • Extraordinary weather condition
  • Overseas business visits



This insurance is applicable to business registered in Hong Kong only.



To apply or learn more, please contact your insurance consultant.

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The above product information is for reference only. Please refer to the insurance policy for detailed terms and conditions.