Business Insurance (Macau)
Protect your business with cost-effective insurance
Plan Highlights
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Coverage for Contents and StockCover all contents and stock, including landlord’s fixtures and fittings for which you are responsible test |
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Coverage for Business InterruptionCover additional expenditure necessarily and reasonably incurred to avoid or minimise interruption to your business up to HK$750,000 |
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Coverage for Loss of MoneyCover loss of money in your premises during business hours, in transit or in a bank night safe up to HK$75,000 |
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Optional ProtectionsProvide protection against stock in transit, loss of gross profit, legal liabilities to employees and members of the public, personal accident and accidental breakage of glass |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) |
|---|---|
Equipment and inventory protection in buildings |
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Contents and Stock (Basic)Any one item of equipment or machinery |
$750,000 |
| Computer systems’ records | $10,000 per item; $50,000 per year |
| Deeds, documents, cards, tapes, files or transparencies | $5,000 |
| Personal effects belonging to any one person | $4,000 |
| Any one item of stock | $15,000 |
| All loss or damage during the Period of Insurance | Up to the sum insured selected by you |
Content and Stock (Plus free extensions)Contents temporarily removed from premises: |
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| i) Surveying or photographic equipment | $3,500 in aggregate |
| ii) Documents in transit within Macau | $3,500 per loss |
| iii) All other property | $12,000 or 5% of the sum insured whichever is greater |
| Damage to premises in case of theft or attempted theft | Covered |
| Removal of debris | 5% of sum insured |
| Stock in transit within Macau | $50,000 |
Business Interruption |
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Additional ExpenditureAdditional expenditure such as the cost incurred for temporary premises and facilities if applicable |
$750,000 |
Loss of Gross Profit (Optional)Loss of Gross Profit due to
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Up to selected sum insured |
Business Interruption (Plus free extensions) (Applicable to both items)Professional accountants’ fees for the purpose of claim verification |
Sum insured |
| Denial of access | Covered |
Loss of Money |
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Loss of MoneyIn your premises during business hours, in transit or in a bank night safe |
$75,000 |
| In your premises out of business hours and in a locked safe or strongroom | $50,000 |
| In your premises out of business hours but not in a safe, or in your residence or that of your directors, partners or employees | $5,000 |
| In your residence or that of your directors, partners or employees | $5,000 |
| Crossed cheques and other non-negotiable items | $500,000 |
Loss of Money (Plus free extensions)Damage to safes or cases directly associated with theft or attempted theft |
$20,000 |
| Cash cheque signed under violence or threat of violence | $10,000 |
| Personal assault as a result of attempt of theft during business hours | $50,000 |
Employees’ Compensation |
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Employees’ Compensation (Optional)Liability under the Decree Law no. 40/95/M for employees’ bodily injuries or death arising out of and in the course of employment |
Per Decree Law no. 40/95/M |
Public Liability |
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Public Liability (Optional)Legal liability to third parties due to bodily injury and/or property damage arising from your business |
$10,000,000 per event |
Plus free extensions to cover the legal liability incurred by the insured and arising from:
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Personal Accident |
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Personal Accident (Optional)Pays you in respect of each unit of compensation insured for the injury to the insured person. The maximum number of units of compensation for each person insured is no more than 20. |
Maximum benefit payable per unit (HK$) |
| Death, permanent disablement or loss of a limb | $25,000 |
| Temporary total disablement from attending usual occupation | $250 per week (up to 104 weeks) |
| Temporary partial disablement from attending to a substantial and essential part of usual occupation | $65 per week (up to 104 weeks) |
| Medical expenses | $2,000 |
Glass |
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Glass (Optional)Covers glass, for example in windows and display cases, against accidental breakage for its replacement cost |
Up to selected sum insured |
Important Notes:
This benefit table is only a summary of product features and does not constitute any part of the policy itself. Full details of the policy cover, exclusions and excess imposed for each section can be found in a copy of the Business Insurance policy. Ask your insurance advisor for details.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.