Commercial Insurance

Industry
Food Supply
Office
Wholesale
Retail
Services (Educare)
Food & Beverage (Eating House)


Food Supply

Fire & Extraneous Perils
Covers your property against physical loss or damage caused by fire and/or lightning, or arising out of aircraft damage, bursting and overflowing of water pipes, earthquake, windstorm, volcanic eruption, hurricane, cyclone, typhoon including full flood, smoke explosion, vehicle impact damage, malicious damage and riot and strike.

Burglary
Covers loss of and/or damage to your property due to violent forcible entry into or exit of your insured premise.

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability as a result of accidental bodily injury to third parties and/or damage to property belonging to third parties.

Group Personal Accident
Provides benefits to your employees as a result of an accident 24 hours a day anywhere in the world.

Fidelity Guarantee
Insures you against loss of money and/or property due to fraud or dishonesty of employee.

Equipment All Risks
Covers your equipment/machinery against accidental physical loss or damage from any external causes not excluded by special or general exclusions.

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Office

Property (All Risks)
Covers your property against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions. Includes the landlord’s sample stock, furniture, fixtures and fittings, office and business equipment and contents pertaining to your business.

Basis of settlement: New for old (except sample stock)

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay for compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability in respect of accidental bodily injury to third parties and/or damage to property belonging to third parties.

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Wholesale

Property (All Risks)
Covers your property against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions. Includes the landlord’s sample stock, furniture, fixtures and fittings, office and business equipment and contents pertaining to your business.

Basis of settlement: New for old (except sample stock)

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay for compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability in respect of accidental bodily injury to third parties and/or damage to property belonging to third parties.

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Retail

Property (All Risks)
Covers your property against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions. Includes the landlord’s sample stock, furniture, fixtures and fittings, office and business equipment and contents pertaining to your business.

Basis of settlement: New for old (except sample stock)

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay for compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability in respect of accidental bodily injury to third parties and/or damage to property belonging to third parties.

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Services (Educare)

Property (All Risks)
Covers your property against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions. Includes the landlord’s sample stock, furniture, fixtures and fittings, office and business equipment and contents pertaining to your business.

Basis of settlement: New for old (except sample stock)

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay for compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability in respect of accidental bodily injury to third parties and/or damage to property belonging to third parties.

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Food & Beverage (Eating House)

Property (All Risks)
Covers your property against accidental physical loss or damage from any external causes not excluded by special exclusions or general exclusions. Includes the landlord’s sample stock, furniture, fixtures and fittings, office and business equipment and contents pertaining to your business.

Basis of settlement: New for old (except sample stock)

Workmen’s Compensation
Covers you for your liability under the Workmen’s Compensation Act (Cap 354) or at Common Law to pay for compensation to your employees who suffer bodily injury or disease arising out of or in the course of employment.

Public Liability
Protects you against your legal liability in respect of accidental bodily injury to third parties and/or damage to property belonging to third parties.

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