SME INSURANCE PACKAGE

SME Insurance
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There are over 340 000 small and medium enterprises (SMEs) in Hong Kong. They constitute more than 98% of our business establishments and employ about 45% of our workforce in the private sector.

Small and medium-sized enterprises (SMEs) are non-subsidiary, independent firms that employ fewer than a given number of employees. However, some countries set the limit at 200 employees.

Whatever the SME does, unforeseen risks could occur at any moment. As an SME, it may be hard to deal with these risks as the business may lack the time and s. Insurers design the SME insurance package to minimise the impact on your SME business. Protect you now and in the future.

The SME Package Includes

  • Section 1: Property All Risk: One of the most essential insurance policy, designed to cover your tangible assets from accidents.
  • Section 2: Business Interruption: A policy covers the company following the consequence of a downturn often long. Thus resulting in significant financial consequences.
  • Section 3: Money Insurance: This insurance is beneficial if your company keep cash, cheques, banknotes, currency notes and money orders. It covers them on your premises and during transit.
  • Section 4: Fidelity Guaranty Insurance: is most often sought by companies where employees are constantly exposed to cash, stocks or other assets. The coverage has been designed to protect the company from financial loss due to fraud, theft or dishonesty by one of its staff.
  • Section 5: Public liability: The Insurance covers any injury or damage to a third party within your place of business or due to your business activities.
  • Section 6: Employee Compensation: The Policy covers the liability of employers in consequence of injury and disease caused to their employees at work.
Property All Risks Insurance

PROPERTY ALL RISKS

Property All Risks Insurance is one of the most basic insurance policy. It is designed to cover your tangible assets from accidents. (…)

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Business Interuption

BUSINESS INTERRUPTION

Business Interruption policy cover the company when facing a downturn often long resulting in significant financial consequences. (…)

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Money Insurance

MONEY INSURANCE

Money Insurance is useful if you company keep cash, cheques, bank notes, currency notes and money orders. (…)

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Fidelity

FIDELITY GUARANTEE

Fidelity Guarantee Insurance is for companies where employees are exposed to finacial assets(…)

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Public Liability Insurance

PUBLIC LIABILITY

Public Liability Insurance covers any injury to property and persons that happens within your place of business. (…)

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Employee Compensation

EMPLOYEE’S COMPENSATION

Employer’s Liability Insurance covers the liability of employers for injury and disease caused to their employees at work(…)

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