Insurance contracts that do not come under the ambit of life insurance are called general insurance. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance.Enquiry
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.
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.
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.
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.
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.
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.
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.
Pet insurance can cover your beloved pets for medical expenses including veterinary consultation, prescribed medication, room and board, chemotherapy, clinical and surgical expenses. Accidental bodily injury or property loss to third parties by your pet is also under coverage. Some kind of pet insurance can also cover expenses incurred by funeral service, advertising and boarding for your pet.
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.