Summary of Cover

Part A- Basic Cover

1. Shop Contents "All Risks" Protection
   This Section offers "All Risks" protection to the contents in your shop premises for which you are responsible. All shop contents are replaced as new.
   
   The FREE Extensions under Section1 include:
   
   

   Free Extensions
   Seasonal increase in Sum Insured	FREE
   Removal of Debris	FREE
   Theft damage to premises	FREE



2. Loss of Income Protection (Free)
   This gives you free protection for increase in cost of working for up to twelve months resulting from loss or damage to your office contents. The maximum limit here is HK$500,000 for an indemnity period of 12 months.
   
   FREE Extensions for this Section include:
   
   

   Free Extensions
   Accountant’s Fee incurred for verification of a claim up to HK$50,000	FREE
   Increase in cost of carrying on your business resulted from being denied access to your business premises	FREE
   Increase in cost of carrying on your business necessitated by the failure of public utilities	FREE



3. Breakage of Glass Protection (Free)
   
   This Section is also FREE and protects you against accidental breakage of fixed glass in windows doors fanlight and partitions. The Sum Insured automatically provided is HK$20,000.



4. Money Protection (Free)
   This section protects you against the loss of money for free.
   
   This gives you FREE protection for:
   
   

   Free Extensions
   Loss of Money in transit between the office and any bank or post office	FREE
   On the premises during business hours	FREE
   On the premises out of business hours in a locked safe or strongroom	FREE
   On the premises out of business hours not in a locked safe or strongroom	FREE
   In a bank night safe	FREE
   Loss of crossed cheques and/or postal orders, crossed money orders and crossed bankers drafts	FREE
   Damage to safes and strongrooms caused by theft	FREE
   Loss due to fraud or dishonesty by your Employee	FREE
   Compensate you and your employees following accidental death, loss of both limbs, loss of sight of both eyes, permanent total disability to attend any occupation because of robbery or hold up	FREE

   
   


5. Personal Assault Protection (Free)
   Another FREE section, you or your employee shall receive compensation for accidental death or permanent total disablement as a result of robbery or attempted theft at the premises or whilst carry Money or delivery goods in connection with the Business in Hong Kong SAR.
   
   The compensation provided for each injured person is HK$100,000 up to a limit of HK$500,000 in aggregate for any one period of insurance.


6. Third Party Liability Protection (Free)
   This Section, also FREE, covers your legal liability in respect of compensation for third party bodily injury and/or property damage arising in connection with your business within the geographical limit of Hong Kong SAR. The Limited of Liability provided is HK$5,000,000 per event.

PART B – Optional Cover

Employees' Compensation

This Section covers employers' liability to employees in accordance with the Employees' Compensation Ordinance and Common Law, up to HK$100,000,000 per event, for injuries or death of your employees arising out of and in the course of employment.

Exclusions

A quick glance at some of the exclusions for this product:

• Deductible as specified


• Loss or damage due to war, invasion, riot or civic commotion


• Loss or damage due to confiscation, requisition or destruction of the government authority


• Loss or damage due to or contributed by nuclear weapons material, radiation, contamination by radioactivity


• Consequential loss or damage of any kind except as provided under Section 2 of this policy


• Judgment from outside the jurisdiction of Hong Kong SAR