General Liability
General Liability
Protect against liability claims for bodily injury and property damage with your General Liability policy. Tap into the insurers’ extensive network and consolidate your global risk management strategies under one roof.
We also help you to access broad insurance coverage through customised regional or global risk management programmes and liability insurance solutions.
Liability Insurance
Types of General Liability Insurance
General Liability Insurance covers you and your company for claims involving bodily injuries and property damage resulting from your products or services. Do contact us to enquire.
High limits available
We have high limits available.
Global Risk Management
Consolidate your global risk management strategies under one roof.
Cover for Defence Costs
We help see you through your legal battles and cover your compensation payments and defence costs.
FAQ
General liability insurance covers common risks that come with interactions with individuals outside of the company. This includes protection from customer property damage and injuries, for example, a customer slipping on a wet floor at your premises. This insurance also covers slander, copyright infringement as well as other advertising injuries.
The required amount depends on several factors, including your industry, the size of your business, the number of employees, and the nature of your projects or clients.
For many small to medium-sized enterprises (SMEs) in Hong Kong, a common standard is a policy with a limit of HKD 5 million to HKD 10 million per occurrence. Furthermore, it is crucial to check if your industry has specific requirements; for instance, contractors often need higher limits to tender for public sector projects or to meet contractual obligations with large corporations.
We recommend consulting with a broker to assess your specific risks and ensure your coverage is sufficient to protect your business assets.
Yes, it is highly advisable. General liability insurance provides essential protection if a client holds you responsible for property damage or bodily injury caused by your business operations.
In Hong Kong, it is common for clients, especially larger corporations or those hiring for projects, to require contractors to have this insurance in place before signing a contract. This is particularly prevalent in industries like construction, IT consulting, event management, and marketing.
Even if it's not a contractual requirement, purchasing a policy is a prudent business decision. It protects your personal assets from the financial impact of potential lawsuits and legal fees, safeguarding your livelihood.
Enquire
Send us a message when we would be glad to assist you.
