Retail Multi-Risks Insurance
 
Coverage
 
1.
 Shop Contents & Stock
 
 
 
Maximum Limit (HKD)
- On Contents
- On Stock in Trade
- On Others
Up to Sum Insured
 
2.
 Money Protection
 
 
 
Maximum Limit (HKD)
Loss in Transit
HK$30,000 / event
Loss on Premises
HK$30,000 / event
Loss at Home of Employer(s) or Authorized Employee(s)
HK$5,000 / event
Loss of Crossed Cheques
HK$500,000 / event
Loss of money arising from any fraudulent or dishonest acts of employees
HK$30,000 / event
 
3.
 Personal Accident Protection
 
 
 
Maximum Limit (HKD)
If Company directors, partners or employee sustain bodily injury within 12 Months of and as the result of fire, explosion, robbery, hold-up or other violent and criminal assault whilst on the Premises in connection with the Business
$50,000
Temporary total disability to attend Usual Occupation or Business
 $250 / week
(up to 104 weeks)
 
4.
 Increase in Cost of Working
 
 
 
Maximum Limit (HKD)
In the event of any damage occurring at the Premises covered by an event Insured under Section 1, Insurer will pay any extra and reasonable expenses incurred for the sole purpose of avoiding or diminishing any interruption of or interference with the Business for a period of three months commencing on the date of such damage
200% of Sum Insured of trade contents protection
 
5.
 Legal Liability Protection
 
 
 
Maximum Limit (HKD)
(a) Public Liability
Covers legal liability for third party bodily injury or damage to others' property occuring in connection with Business in Hong Kong
 $5,000,000 / event
(b) Legal Liability for Overseas Business Visits
Covers legal liability of partners, director of specified employees for third party bodily injury or damage to others' property occuring in connection with Business whilst travelling overseas
 $1,000,000 / year
(c) Tenant's Liability
 $5,000,000 / event
(d) Food & Drink Liability
Covers legal liability for third party bodily injury or illiness caused by food or drink supplied free of charge by the Insured on the Premises in connection with the Bueiness
 $5,000,000 / event
 
6.
Employees' Compensation
Up to Sum Insured
(maximum $100,000,000)
   
   
 
This summary gives only an outline of the insurance cover and any information given herein is subject to the terms and conditions in the actual Policy.