We understand that Hong Kong SME businesses operate in a tough and changing environment. SME operations are still held to the same standards of corporate governance, employee welfare and liability as the larger companies and they often have to manage these risks with fewer resources and less time to spare on concerns other than those relating to day to day business. SMEs therefore require a suitable packaged insurance policy which will protect their assets, liabilities and employees from the risks associated with operating a business.
In addition, employees’ compensation insurance protects you from exposure to Common Law and Statutory liabilities under the laws of the HKSAR.
Covering a wide spectrum of SME customers from a small single office premises for self-employed business owners to a multi-dimensional retail company with a material damage / business interruption exposure spread across multiple locations, often in a franchise arrangement, or with up to 200 employees or more.
Basic office contents
Protection against loss of or damage to digital cameras, DV and other surveying equipment when temporarily removed from the premises
Fixed computers, systems and data are protected against mechanical or electrical breakdown
Personal property of employees is protected against loss by theft
Additional expenditure incurred due to business interruption