SME Commercial
SME Commercial
We understand that Hong Kong’s SMEs are the backbone of our economy, yet they are often more vulnerable to fluctuating market conditions, high operational costs, and unexpected business interruptions.
We specialise in package policies for the Hong Kong SME sector. Our policies provide comprehensive standard cover with flexible optional add-ons, ensuring your business gets the precise protection it needs to thrive in a competitive landscape
Business Insurance
Safeguard Your Hong Kong Business
Navigate the city’s unique challenges with confidence. Our SME insurance packages are built for you.
Protect Your Bottom Line
A fire shuts down your shop. Our cover helps replace lost income and even pays for temporary rental space, so a disaster doesn't break the bank.
Secure Your Shipments
Goods damaged on the way to a client? Or lost importing from Shenzhen? Our transit cover has you covered, keeping your promises and your reputation intact.
Trust, But Verify
Employee fraud can cripple a small business. Our Fidelity Guarantee protects your money and stock from dishonest acts.
Plus all the essentials you need to operate with peace of mind:
- Public Liability(For customer slips, falls, or damages)
- Employees’ Compensation(Legally requiredin HK)
- Cyber Insurance(A critical modern threat for all businesses)
- Money Insurance(For loss of cash in transit or on premises)
Contact us for a no-obligation review of your risks.
FAQ
1.No. Each proposal form covers only one business address. If you operate from multiple locations in Hong Kong, a separate proposal form is required for each premises.
The pre-underwritten packages are available for a range of common industries, including but not limited to Retail, Food and Beverage (F&B), Office-based businesses, Beauty and Wellness, and Education. Each eligible industry typically has a dedicated proposal form
Yes. According to the average clause contained in the employees' compensation insurance policy regarding the Policy Limit of Indemnity (which is widely adopted in the market), under-reporting of employees' earnings may result in a proportionate reduction in the insurer's indemnity for compensable claims.
This means if the total wages you declared to the insurer are lower than the actual wages paid, any claim payout will be reduced by the same proportion.
Yes. Exceeding the predefined thresholds of the package is considered a material change. The insurer will reassess your risk profile, which will likely lead to a review of the premium rate and the terms of coverage. You may be moved to a different, non-packaged policy that is rated individually for your business's size and risk.
