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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!

 

    

COVERAGE

BASIC COVER

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

 

OPTIONAL COVER

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

 

IMPORTANT NOTES

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

 

HOW TO APPLY

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.