Home Package Insurance

Pet Insurance

Motor Insurance

Travel Insurance

Medical Insurance

Personal Accident

Domestic Helper Insurance

Contractor All Risk (CAR)

Employee Compensation Insurance (ECI)

Third Party Liability

Food and Catering Insurance 

Home Package Insurance

Every family needs a home. Therefore, you should make sure your hard-earned assets are protected against loss and damage caused by fire, explosions, natural disasters, malicious damage or theft with a comprehensive home insurance. Risk such as replacing locks if keys are lost or stolen, and replacing frozen food which spoils owing to breakdown of refrigerators are underwritten by some insurers. In addition, home insurance can protect you from legal liability to third party.

Motor Insurance

Driving a car can be a convenience and leisure. However, it may also involve risk to others. Therefore, you should purchase Third Party Cover as required by law, or a Comprehensive Cover to protect yourself and your own car. Rating features include engine power, car value, use of vehicle and driver etc. Feel free to contact us for comparison if you wish to select a suitable motor insurance.

Travel Insurance

Regardless of the purpose of travel, i.e. for leisure or business, a travel insurance should be a must for you. A good travel insurance should cover your body injury, property damage & loss and any delay in journey. Moreover, some travel insurance can also protect home loss during your journey & third party liability.

Medical Insurance

Medical cost inflation in Hong Kong is much higher than the Consumer Price Index (CPI). If you want to have quality medical treatment in the future, you should have a medical insurance cover. A comprehensive medical insurance can reimburse your medical expenses arising from accident or sickness, and also costs such as medical appliances, targeted therapy and hormonal therapy etc. You may purchase additional coverage on labouring and dental treatment for your needs.

Personal Accident

Most personal accident insurance pay out lump sum benefits when the insured dies or suffers bodily injury as a result of an accident. They usually exclude death or injury which caused by sickness, disease, any naturally occurring condition or process. A typical personal accident policy lists out specified injuries including death, loss of limb, loss of sight, burns and various specified lesser injuries, with corresponding benefit against each. In addition, personal accident insurance can cover hospital benefit and medical expenses arise from accident.

Domestic Helper Insurance

In addition to the Employees’ Compensation Insurance (ECI) required by law, being a good employer, you should protect your domestic helper with medical coverage. A good domestic helper insurance can also protect you as an employer against any loan and fraud of your domestic helper, repatriation and re-hiring due to medical reason of the domestic helper.

Contractor All Risk (CAR)

Contractors' all risks insurance can minimize your hassle and allow you to concentrate on the project. It usually covers two types of risks: The first risk is property damage which includes contract work, materials supplied by the Principal, construction plant and equipment, construction machinery and clearing of debris costs. The second risk is legal liability for third party injury or property damage arising out of the construction work.

Employee Compensation Insurance (ECI)

According to Section 40 of the Employees' Compensation Ordinance, all employers (including contractors and sub-contractors) are required to take out insurance policies to cover their liabilities both under the Ordinance and at common law for injuries at work in respect of all their employees, irrespective of the length of employment contract or working hours, full-time or part-time, permanent job or temporary employment.

Third Party Liability

Accidents always happen even if you have taken all preventive actions. You cannot escape the legal responsibility for physical injury or damage to others’ property. All liability insurances are long-tail in nature, that means claims may arise and develop over a long period of time, possibly a few years. Therefore, other than a third party liability coverage, you also need an insurance broker for professional advice through the years.

Food and Catering Insurance

Operating a restaurant can be risky. Loss of stock and money, employee injury, customer’s property damage, injury and food poisoning are major risks. Food and Catering Insurance is a combined policy designed for catering industry. With one single policy, you can have a peace of mind and focus on your business.