What is Property All Risk Insurance?

Property All-risk insurance Hong Kong

Property All Risk Insurance covers the building, your equipment and all other physical assets that are under the business ownership against certain type of unpredicted events.

The size of your company does not matter with this type of insurance as the policy can be customised to protect your properties and their contents against these exposures and minimise the impact when they do.

Property insurance can include a number of policies, such as homeowners insurance, renters insurance, flood insurance, and earthquake insurance. Personal property is usually covered by a homeowners or renters policy.

What is covered?

This insurance has a large range of property coverage, depending on the type of insurance package one invests in. Such as:

  • Apartment buildings
  • Colleges and universities
  • Commercial offices / Retail blocks
  • Financial institutions
  • Hospitals and larger clinics
  • Light Industrial / Manufacturing companies with a risk management philosophy
  • Modern hotels and resorts
  • Radio and TV broadcasting facilities
  • Real estate owners / Portfolios
  • Schools / Churches
  • Shopping centres, malls, plazas, etc.
  • Sports facilities / Stadiums
  • Utilities (large/modern)

What should you know?

Property is one of the best insurances to invest into as it prevents unplanned risks and covers a large range of properties and has many benefits, such as:

  • The properties might be covered, from  natural disasters , theft, fires and floods.
  • Property damage insurance rates are based on the sums insured, the level of deductible, your business activity and the protection measures in place.
  • Coverage – ‘Fire & Named Perils’ or ‘All Risks’ cover for physical assets, destruction or damage not otherwise excluded.
  • Option for the client’s physical assets to be reviewed by Fire Safety Risk Management Programme conducted by experienced risk engineers.

Good to know!

Property All Risks in Hong Kong is the first section of Office/Shop package and considered as the minimum basis of the package. Premium will be calculated with the value of your contents and the one of your stocks.



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