{"id":8837,"date":"2025-08-14T01:37:08","date_gmt":"2025-08-14T01:37:08","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8837"},"modified":"2025-09-22T02:30:59","modified_gmt":"2025-09-22T02:30:59","slug":"general-liability","status":"publish","type":"page","link":"https:\/\/iongroup.hk\/?page_id=8837","title":{"rendered":"General Liability"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n
<\/div>\n \n
\n
\n
\n \n
\n \n
\n
\n
\n \n \n\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n <\/div>\n

\n \n \n General Liability\n\n \n \n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/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
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n <\/div>\n

\n \n \n General Liability\n\n \n \n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/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
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t\t\t\t\t\t

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.<\/p>\n

<\/p>\n


We also help you to access broad insurance coverage through customised regional or global risk management programmes and liability insurance solutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t
\n
\n <\/div>\n <\/span>\n \n \n <\/i> <\/span>\n 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
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n\t
\n \t\"\"

Liability 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
\n
<\/div>\n \n
\n
\n
\n \n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n <\/div>\n

\n \n \n Types of General Liability Insurance\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
\n
\n \n \t\t
\n\t\t\t\t\t\t\t\t\t

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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n \t\t

\n\t\t\t\t
\n\t\t\t\t\t
\n
\n <\/div>\n
\n
\n
\n
\n \t
\n
\n \"\" <\/div>\n

\n

High limits available<\/h5>

We have high limits available.<\/p> <\/h3>\n <\/div>\n <\/div>\n

<\/div>\n
<\/div>\n
<\/div>\n
<\/div>\n <\/div>\n <\/div>\n
\n
\n
\n \t
\n
\n \"\" <\/div>\n

\n

Global Risk Management <\/h5>

Consolidate your global risk management strategies under one roof.<\/p> <\/h3>\n <\/div>\n <\/div>\n

<\/div>\n
<\/div>\n
<\/div>\n
<\/div>\n <\/div>\n <\/div>\n
\n
\n
\n \t
\n
\n \"\" <\/div>\n

\n

Cover for Defence Costs <\/h5>

We help see you through your legal battles and cover your compensation payments and defence costs.<\/p> <\/h3>\n <\/div>\n <\/div>\n

<\/div>\n
<\/div>\n
<\/div>\n
<\/div>\n <\/div>\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
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t\t\t\t
\n\t\t\t
<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n <\/div>\n

\n \n <\/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
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n \n 1. What are the covers offered in general liability insurance? <\/i>\n <\/a>\n <\/div>\n

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.<\/p><\/div>\n <\/div>\n

\n
\n \n 2. How much general liability insurance do I need in Hong Kong? <\/i>\n <\/a>\n <\/div>\n

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.<\/p>

For many small to medium-sized enterprises (SMEs) in Hong Kong, a common standard is a policy with a limit of\u00a0HKD 5 million to HKD 10 million<\/b>\u00a0per 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.<\/p>

We recommend consulting with a broker to assess your specific risks and ensure your coverage is sufficient to protect your business assets.<\/p><\/div><\/div>\n <\/div>\n

\n
\n \n 3. As an independent contractor in Hong Kong, do I need general liability insurance? <\/i>\n <\/a>\n <\/div>\n

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.<\/p>

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\u00a0construction, IT consulting, event management, and marketing<\/b>.<\/p>

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.<\/p><\/div><\/div><\/div><\/div>\n <\/div>\n

\n
\n \n 4. Does the law mandate the need for a general liability insurance? <\/i>\n <\/a>\n <\/div>\n
No, it is not. but many contracts will most likely require you to have a general liability insurance. In such cases, you will need to purchase a policy plan if you want to sign commercial projects or a client contract. For some professional licenses, they would also require you to provide proof that you are covered under the general liability insurance.<\/div><\/div><\/div><\/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
\n
\n
<\/div>\n \n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n
\n <\/div>\n

\n \n \n Enquire\n \n <\/span>\n <\/h3>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Send us a message when we would be glad to assist you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t
\n
\n \t
\n \n
\n

<\/p>