{"id":8619,"date":"2025-08-12T07:46:47","date_gmt":"2025-08-12T07:46:47","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8619"},"modified":"2025-09-22T02:29:00","modified_gmt":"2025-09-22T02:29:00","slug":"sme-commercial","status":"publish","type":"page","link":"https:\/\/iongroup.hk\/?page_id=8619","title":{"rendered":"SME Commercial"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8619\" class=\"elementor elementor-8619\" data-elementor-post-type=\"page\">\n\t\t\t\t\n        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e3cd42 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"4e3cd42\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c1e5a49\" data-id=\"c1e5a49\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d0a08cb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"d0a08cb\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0a5eca3\" data-id=\"0a5eca3\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-833e9eb elementor-hidden-mobile elementor-widget elementor-widget-ct_heading\" data-id=\"833e9eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-833e9eb\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h1 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                SME Commercial\n\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h1>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-211a995 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-ct_heading\" data-id=\"211a995\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-211a995\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                SME Commercial\n\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-69862f99 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"69862f99\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-38f36585\" data-id=\"38f36585\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-27f4caa3 wow fadeInUp elementor-widget elementor-widget-text-editor\" data-id=\"27f4caa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We understand that Hong Kong&#8217;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.<\/p><p>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<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-457aefe elementor-widget elementor-widget-ct_button\" data-id=\"457aefe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_button-457aefe\" class=\"ct-button-wrapper ct-button-layout1 icon-left btn--inline \">\n    <div class=\"ct-inline-css\"  data-css=\"\n        \">\n    <\/div>\n            <span class=\"ct-icon-active\"><\/span>\n        <a href=\"#enquire\" class=\"btn btn-default icon-active btn-inline-block  \" data-wow-delay=\"ms\">\n                            <span class=\"ct-button-icon ct-align-icon-left\">\n                <i aria-hidden=\"true\" class=\"far fa-hand-point-right\"><\/i>            <\/span>\n                <span class=\"ct-button-text\">ENQUIRE NOW<\/span>\n    <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68a591a4\" data-id=\"68a591a4\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-7a501f29 wow fadeInRight elementor-widget elementor-widget-ct_banner\" data-id=\"7a501f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-banner1 \" data-wow-delay=\"ms\">\n\t<div class=\"ct-banner-imge\">\n    \t<img fetchpriority=\"high\" decoding=\"async\" width=\"535\" height=\"536\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/iong-group-smes.jpg\" class=\"attachment-full size-full wp-image-8629\" alt=\"\" srcset=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/iong-group-smes.jpg 535w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/iong-group-smes-300x300.jpg 300w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/iong-group-smes-150x150.jpg 150w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/>        <h3 class=\"ct-banner-title\">Business Insurance<\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-c14e78e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"c14e78e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a4adfa\" data-id=\"72a4adfa\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7c02717f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"7c02717f\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cd76c9c\" data-id=\"cd76c9c\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-3baf452b elementor-widget elementor-widget-ct_heading\" data-id=\"3baf452b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-3baf452b\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-default wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Safeguard Your Hong Kong Business\n\n\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7152778a\" data-id=\"7152778a\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-26c04c70 elementor-widget elementor-widget-text-editor\" data-id=\"26c04c70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Navigate the city&#8217;s unique challenges with confidence. Our SME insurance packages are built for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<div class=\"elementor-element elementor-element-ad8f8a0 elementor-widget elementor-widget-ct_fancy_box_grid\" data-id=\"ad8f8a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_fancy_box_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_fancy_box_grid-ad8f8a0\" class=\"ct-grid ct-fancy-box-grid ct-fancy-box-grid1\">\n        <div class=\"ct-inline-css\"  data-css=\"\n            \">\n        <\/div>\n        <div class=\"ct-grid-inner ct-grid-masonry row\" data-gutter=\"7\">\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-fire-protect.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Protect Your Bottom Line<\/h5><p style=\"color: #D4D4D4;\">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.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-shipment.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Secure Your Shipments <\/h5><p style=\"color: #D4D4D4;\">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.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                            <div class=\"grid-item col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\">\n                    <div class=\"item--inner \">\n                        <div class=\"item--holder\">\n                        \t<div class=\"item--meta\">\n                                                                                                    <div class=\"item--icon\">\n                                        <img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"64\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-group-shield.png\" class=\"attachment-full\" alt=\"\" \/>                                    <\/div>\n                                                                <h3 class=\"item--title\">    \n                                    <h5 style=\"color: #fff;\">Trust, But Verify <\/h5><p style=\"color: #D4D4D4;\">Employee fraud can cripple a small business. Our Fidelity Guarantee protects your money and stock from dishonest acts.<\/p>                                <\/h3>\n                                                            <\/div>\n                        <\/div>\n                        <div class=\"item-line item-line-top\"><\/div>\n                        <div class=\"item-line item-line-bottom\"><\/div>\n                        <div class=\"item-line item-line-left\"><\/div>\n                        <div class=\"item-line item-line-right\"><\/div>\n                   <\/div>\n                <\/div>\n                        <div class=\"grid-sizer col-xl-4 col-lg-4 col-md-4 col-sm-6 col-12\"><\/div>\n        <\/div>\n    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4ea517 e-flex e-con-boxed e-con e-parent\" data-id=\"b4ea517\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4766c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fb4766c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><b>Plus all the essentials you need to operate with peace of mind:<\/b><\/p><ul><li><b>Public Liability<\/b>(For customer slips, falls, or damages)<\/li><li><b>Employees&#8217; Compensation<\/b>(<b>Legally required<\/b>in HK)<\/li><li><b>Cyber Insurance<\/b>(A critical modern threat for all businesses)<\/li><li><b>Money Insurance<\/b>(For loss of cash in transit or on premises)<\/li><\/ul><p><b>Contact us for a no-obligation review of your risks.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-01314d2 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"01314d2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-098c9a9\" data-id=\"098c9a9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-c2e1fe8 elementor-widget elementor-widget-spacer\" data-id=\"c2e1fe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8336a0 elementor-widget elementor-widget-ct_heading\" data-id=\"c8336a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-c8336a0\" class=\"ct-heading h-align- sub- ct-heading-left item-st-line-left1\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left1 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                                    <i><\/i>\n                \n                FAQ\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79e4c0e e-flex e-con-boxed e-con e-parent\" data-id=\"79e4c0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4abe55f elementor-widget elementor-widget-ct_accordion\" data-id=\"4abe55f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_accordion-4abe55f\" class=\"ct-accordion layout1 style1 \">\n                    <div class=\"ct-accordion-item active\">\n                <div class=\"ct-ac-title active\" data-target=\"#acacd61ct_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        1. Can this policy cover multiple locations?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"acacd61ct_accordion-4abe55f\" class=\"ct-ac-content\" style=\"display:block;\"><p>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.<\/p><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#1d7350fct_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        2. Which industries are eligible for pre-underwritten packages?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"1d7350fct_accordion-4abe55f\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><p>The pre-underwritten packages are available for a range of common industries, including but not limited to Retail, Food and Beverage (F&amp;B), Office-based businesses, Beauty and Wellness, and Education. Each eligible industry typically has a dedicated proposal form<\/p><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#46d32d1ct_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        3. Is there a minimum premium for all packages?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"46d32d1ct_accordion-4abe55f\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><div class=\"desc\">Yes. Every industry package will include a minimum premium. If there are extensions added, there will be additional premium that will be charged on top of the current minimum premium.<\/div><\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#e9aa91ect_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        4. Does this SME insurance package have a minimum payroll requirement?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"e9aa91ect_accordion-4abe55f\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><div class=\"desc mb-20\">No, there is no minimum payroll requirement for the package. The eligibility is typically based on the number of employees<\/div><\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#d62a6cfct_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        5. Is employees&#039; compensation insurance subject to the Average Clause?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"d62a6cfct_accordion-4abe55f\" class=\"ct-ac-content\"><p>Yes. According to the average clause contained in the employees' compensation insurance policy regarding the\u00a0<b>Policy Limit of Indemnity<\/b>\u00a0(which is widely adopted in the market), under-reporting of employees' earnings may result in a\u00a0<b>proportionate reduction in the insurer's indemnity<\/b>\u00a0for compensable claims.<\/p><p>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.<\/p><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#66b3eebct_accordion-4abe55f\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        6. If my business exceeds the maximum threshold outlined in the package (e.g., number of employees or annual turnover), will the premium rates change?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"66b3eebct_accordion-4abe55f\" class=\"ct-ac-content\"><p>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.<\/p><\/div>\n            <\/div>\n            <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-64bc218\" data-id=\"64bc218\" data-element_type=\"column\" data-e-type=\"column\" id=\"enquire\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    <div class=\"elementor-background-overlay\"><\/div>\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-49dad55 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" 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name=\"_wpcf7_unit_tag\" value=\"wpcf7-f91-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your name*\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email*\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-subject\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"your-subject\"><option value=\"Type Of Insurance\">Type Of Insurance<\/option><option value=\"Health Insurance\">Health Insurance<\/option><option value=\"Car Insurance\">Car Insurance<\/option><option value=\"Cyber Insurance\">Cyber Insurance<\/option><option value=\"Home Insurance\">Home Insurance<\/option><option value=\"Business Insurance\">Business Insurance<\/option><option value=\"Pet Insurance\">Pet Insurance<\/option><option value=\"Travel Insurance\">Travel Insurance<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-employment\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Your Employment\" value=\"\" type=\"text\" name=\"your-employment\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled col-12\">\n\t<p><div id=\"cf7sr-69fb30fd69e27\" class=\"cf7sr-g-recaptcha\" data-theme=\"light\" data-type=\"image\" data-size=\"normal\" data-sitekey=\"6LdXmKYrAAAAADsZVHte3c1Q4AKdcnhUoEBN7EJC\"><\/div><span class=\"wpcf7-form-control-wrap cf7sr-recaptcha\" data-name=\"cf7sr-recaptcha\"><input type=\"hidden\" name=\"cf7sr-recaptcha\" value=\"\" class=\"wpcf7-form-control\"><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled col-12\">\n\t<p><img decoding=\"async\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/lock.svg\" style=\"height: 1.5rem;\" \/>We respect your privacy and committed to protecting your personal data. Your data will be processed in accordance with our <a href=\"https:\/\/iongroup.hk\/?page_id=9169\" target=\"_blank\" style=\"text-decoration: underline !important;\">Privacy Policy<\/a>. <a href=\"https:\/\/iongroup.hk\/?page_id=9177\" style=\"text-decoration: underline !important;\">Terms & Conditions<\/a> applies.\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><button type=\"submit\" class=\"wpcf7-submit btn btn-block\"><i class=\"fac fac-check-circle space-right\"><\/i>Get Quote Now<\/button>\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"2\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n            <\/div>\n        <\/div>\n            <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>SME Commercial SME Commercial We understand that Hong Kong&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8619","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8619","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8619"}],"version-history":[{"count":91,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8619\/revisions"}],"predecessor-version":[{"id":10138,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8619\/revisions\/10138"}],"wp:attachment":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}