Coproate Insurance Solutions

Tailored Business Insurance for Start-up's, SME's and Multi National Corporations
Corporate and Business Insurance

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Group Health Insurance


Offering employee health insurance is increasingly becoming the norm amongst businesses in todays corporate environment. Company group health insurance can have a variety of options as it's tailored to your specific needs and requirements. A common example of this is providing higher levels of protection to more senior members of staff and more basic coverage to lower levels. Therefore it is very important to get a policy that is uniquely tailored to your business.

Group medical insurance coverage for groups can include but not limited to the following:


  • Inpatient Health Insurance
  • Outpatient Health Insurance
  • Coverage for Pre-Existing Medical Conditions
  • Emergency Medical Evacuation Insurance
  • Worldwide Protection
  • Chronic Condition Health Insurance

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Errors and Omissions Insurance


Errors and Omissions Insurance is a form of liability insurance which helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder.

Errors and Omissions Insurance, is a type of Hong Kong Business Insurance policy which is designed to protect professional workers in advice giving service industries against the full costs of defence in the event of a negligence claim regarding their services.



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Public Liability Insurance (PL)


Public Liability Insurance is required if you are a Hong Kong business owner and the public have frequent access by members of the public, or if you are organizing an event in which a large number of people will be in attendance. A Public Liability policy will cover you against your liability for third party property damage and personal inquiry in the event of an accident which has occurred due to your negligence.



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Employee Compensation Insurance (EC)


If you are a business owner in Hong Kong and employ another member of staff including yourself then it is a legal requirement that you hold Employee’s Compensation Insurance. The policy covers your liability in the event that a staff member suffers and injury or illness during the normal course of their work.
Employee Compensation Insurance is required regardless of there terms and conditions attached to your employees contract. It does not matter whether they are part time, full time or temporary, if they are employed then a Employee Compensation Insurance policy is required by law.



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Business and Office Contents Insurance


Business and Office Contents Insurance policy in Hong Kong is designed to provide protection to the actual contents and items located in your business against theft and loss. This type of policy will also include protection for damage to any fixtures, fittings, furniture, or improvements which have been made by your business as a tenant leasing the office premises.


  • Business Machinery or Equipment
  • Loss or Damage to company computer systems or records
  • Trading Samples
  • Stock located on premises
  • Employee’s Personal possessions
  • Office Equipment
  • Loss or Damage to company stock whilst in transit


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Cyber and Data Insurance


From 1980’s onwards the landscaper for modern businesses has changed dramatically. The increased use of the internet across all functions of a business has made the corporate world we work in today far more efficient and transparent. However, with these significant benefits come new significant threats and challenges that need to be accounted for.

Cyber insurance is covers a business from the magnitude of threats that have sprung up since the evolution of the internet. From hackers, DDOS attacks, network penetration events, and even politically motivated incidents, businesses throughout the world have traditionally not been exposed to high-level insurance offerings.

Head of the UK’s GCHQ has said ‘keeping safe from cyber-attacks is now as important as fighting terrorism”. Despite having the most number of firms that increased spending on cyber security, Hong Kong faces the second-highest risk of cybersecurity attacks in Asia a new report has found. A recent survey found that just under 15% of Hong Kong firms had been hit by a cyber attack in the past year. With the variety and speed of the attacks constantly changes it is almost impossible to create a completely safe cyber environment. With this in mind, it makes the need for a comprehensive cyber insurance policy all the more important to provide the relevant cover when an attack does strike.

In this hyper connected world, no matter how protected you think your business is, a computer network or company information system will at some point be compromised or under attack.



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Directors and Officers Liability Insurance (D&O)


Directors and Officers Liability Insurance or D&O cover provides personal protection for directors, officers and management against financial loss arising from the potential exposures associated with managing or supervising the company (whether private or listed).


  • Covered Person: Any past, current and future director, officer, management and company secretary of the company and it’s subsidiaries.
  • Covered Act: Any actual or alleged breach of trust, error, omission, misstatements, misleading statement, neglect or breach of duty, employment related issues or any matter claimed against a covered person.
  • Covered Loss: Legal and professional expenses incurred in defending litigation or regulatory investigation and damages awarded by a court or any settlement entered.


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Management Liability Insurance


ML products are designed to address the risk confronting private companies and their management teams.


  • Covered Person: Any management liability, corporate legal liability, statutory liability, employment practices liability, employee dishonest act, kidnap & extortion and the like.
  • Covered Act: Any management liability, corporate legal liability, statutory liability, employment practices liability, employee dishonest act, kidnap & extortion and the like.
  • Covered Loss: Legal and professional expenses incurred in defending litigation or regulatory investigation, damages awarded by a court or any settlement entered, first party loss resulting from dishonest acts off employees, loss arising from kidnapping & exertion and the like.


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Public Offering of Securities Insurance (POSI)


POSI product is designed to provide covered persons against the potential exposures associated with the offering prospectus and/or roadshow relating to the initial or secondary public offering of securities oil any stock exchange or any other placement.


  • Covered Person: Any past, current and future director, officer, management and company secretary of the company and it’s subsidiaries, the company itself and/or the company shareholders.
  • Covered Act: Any actual or alleged breach of trust, error, omission, misstatement, misleading statement, neglect or brach of duty, or any other matter claimed against a covered person.
  • Covered Loss: Legal and professional expenses incurred in defending litigation or regulatory investigateon and damages awarded by a court or any settlement.


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Professional Indemnity (PI) Insurance


Professional Indemnity Insurance or PI insurance is designed to provide protection to a professional individual or entity (other than a financial institution) for civil liability claims resulting from a loss arising from professional services that are offered to it’s clients or customers.


  • Covered Person: Both the professional body or entity and it’s employees.
  • Covered Act: Any act, error, omission arising from the professional services or business provided. The cover includes the conduct of any person for whom the insured is legally responsible.
  • Covered Loss: Civil liability loss which the covered person is legally liable, including defence and investigation expenses (legal and professional), and amounts awarded by a court as damages or agreed to in a settlement.


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Employment Practice Liability Insurance (EPL)


Employment Practice Liability Insurance or EPL Insurance is designed to provide covered persons, all other employees and the company protection against the potential exposures associated with any employment related issues, including but not limited wrongful dismissal, employment related discrimination, harassment, failure to employ or promote, invasion of privacy and other employment related disputes.


  • Covered Person: Any past current and future director, officer, management, all other employees of the company and it’s subsidiaries; and the company itself.
  • Covered Act: Any act, error, omission, neglect, misstatement or misleading statement in connection with any actual or alleged employment-related issues.
  • Covered Loss: Defense and investigation expenses (legal and professional), and amounts awarded by a court as damages or agreed to in a settlement.


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Commercial Crime Insurance


Commercial Crime Insurance is designed to provide direct financial loss protection to the company against the growing threats of dishonesty and Fraud by it’s employees or outsiders.


  • Covered Person: The company, including it’s subsidiaries and associated companies.
  • Covered Act: Employee dishonesty, theft or robbery, computer related crime, counterfeiting and forgery.
  • Covered Loss: Direct financial loss sustained by the company and any other third party under the companies care, custody and control.


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Investment Management Insurance (IMI)


Investment Management Insurance or IMI is designed to protect investment managers, investment advisors and the funds against management and professional liabilities arising from the investment services provided. This policy is also extended to protect investment managers and funds from theft or third parties.


  • Covered Person: Investment managers, investment advisers, general partners, funds, sub-funds, it’s subsidiaries and it’s board of directors, investment teams and employees.
  • Covered Act: Any act, error, omission, neglect, misstatement or misleading statement, breach of trust, breach of fiduciary duty or any employee dishonesty act in connection with any actual or alleged investment service provided.
  • Covered Loss: Financial loss which the covered person is legally liable, including the legal and professional expenses incurred in defending litigation or in a regulatory investigation and damaged awarded by a court or any settlement entered. It is also extended to cover first pay loss sustained from dishonest acts of an employee.


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Our friendly team will be happy to answer any questions, please contact us and we will be happy to assist.

Head Office:
1/A, 128 Wellington Street,
Central, Hong Kong

Tel: +852 3018 1353
Fax: +852 3010 4191
[email protected]

Private Equity/Venture Capital Insurance (PEVC)


PEVC is designed to protect the general partners, funds, directors, officers, investment team members against management and professional liabilities arising from the investment services provided. This policy is also extended to protect general partners and funds from theft by employees or third parties.


  • Covered Person: General partners, investment advisers, funds, sub-funds, it’s subsidiaries and it’s board of directors, investment teams, advisory board members, employees and any representatives appointed to sit in the portfolio companies.
  • Covered Act: Any act, error, omission, neglect, misstatement or misleading statement, breach of trust, breach of fiduciary duty or any employee dishonesty act in connection with any actual or alleged investment service provided.
  • Covered Loss: Financial loss which the covered person is legally liable, including the legal and professional expenses incurred in defining litigation or in a regulatory investigation and damages awarded by a court or any settlement entered.


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Financial Institution Crime Insurance


FIC Insurance provides protection for direct financial loss suffered by the financial institution from both internal and external activities.


  • Covered Person: The financial institution and it’s subsidiaries.
  • Covered Act: Any employee dishonesty, theft or robbery at their premises or during transit, counterfeiting and forgery and computer related crime.
  • Covered Loss: Direct financial loss sustained by the financial institution and any other third party under the insured entity’s case, custody and control.


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Contract All Risk Insurance (CAR)


Contract All Risk Insurance or CAR, is a product designed to provide protection to Design Professionals such as Architects, Engineers, Construction Managers and contractors against claims that may arise from professional services provided by them in connection with a single construction project. This policy typically covers the entire project from design up to and beyond the final handover of the project to the owner. It covers claims by project owners and financiers.


  • Covered Person: Any professional connected to a contractor project. This also includes the EPC contractors if they are responsible for activities such as design, survey, project management, testing, commissioning even if these activities are sub-contracted to others.
  • Covered Act: Any wrongful act in rendering, or failure to render professional services in connection with the conduct of any person for whom the insured is legally responsible.
  • Covered Loss: Defense costs and amounts awarded by a court as damages or agreed to in a settlement.


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Cyber Insurance


Cyber Insurance is designed to provide protection to any entity or professional body from privacy infringement liability, network security liability, media liability, cyber extortion, data asset loss and business interruption in the conduct of their business.


  • Covered Person: The insured entity, management, employees and independent contractors who are natural persons whilst performing duties on behalf of the insured entity.
  • Covered Act: Unintentional infringement of the privacy policy of the insured entity, breach of the relevant privacy ordinance, failure to prevent a third party from unauthorised access to the computer system, denial of service attack, failure of network security, defamation in the provision of media services, infringement of copyright or domain name in the provision of media services, cyber extortion and corruption or destruction of the data in your computer system by malware.
  • Covered Loss: Civil liability loss which the covered person is legally liable , including defence and investigation expenses (legal and professional), IT consultant expenses, incident response expenses, crisis management costs, system recovery costs.


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Personal Information Protection


PIP is designed to provide protection to any entity or professional body from privacy infringement liability claims arising out of the collection, processing and use of personal information in the conduct of their business.


  • Covered Person: Both the insured entity and it’s employees.
  • Covered Act: Infringement of any right to privacy, breach of the relevant privacy ordinance, failure to prevent a third party from unauthorised access to the computer system, including hacker attacks, computer virus attack and theft of electronic data.
  • Covered Loss: Civil liability loss which the covered person is legally liable, including defence and investigation expenses (legal and professional), notification expenses, crisis management costs and amounts awarded by a court as damages or agreed to in a settlement.


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Kidnap/Ransom & Extortion (KRE) Insurance


KRE is designed to provide protection to any entity or professional body from kidnapping or extortion including cyber extortion.


  • Covered Person: The insured entity, executives and it’s employees.
  • Covered Act: Kidnapping, hijacking, wrongful detention and extortion.
  • Covered Loss: Loss which the covered person is legally liable, including defence costs and legal advice expenses ransom, negotiator or consultant expenses, travel and accommodation expense, security guard services expense, interests, salaries, medical expense and rest and rehabilitation expenses.


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