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 Office Plus Insurance
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Office Plus Insurance is new all-in-one office insurance solution offers wider protection
for your office contents, increase cost of working, money, personal assault and public liability.
On top of the optional benefit of Employees Compensation, we also add an optional Hospital Benefit
Insurance Cover. We are sure that Office Plus provides a more comprehensive cover and is now better
able to meet with your business needs.
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Basic Cover
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Office Contents "All Risks" Protection
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This section offers "All Risks" protection to the Office Contents of your business,
including Landlord's fixtures and fittings for which you are responsible, tenant's improvements,
trade samples and stock, furniture, office equipment, employees' personal effects, etc.
Within the sum insured selected by you, the Company provides insurance cover subject to the following
limits for any one occurrence.
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Item
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Maximum Limit per occurrence
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Machinery or equipment
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HK$200,000 per item
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Portable office equipment outside your premises within HKSAR
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HK$10,000 /item, HK$30,000 any one period
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Fixed glass/mirror
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HK$50,000 or 10% of sum insured, whichever is the lesser
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Deed, document, card, tape, file or transparency
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HK$10,000 per document, HK$30,000 any one period
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Trade sample/ stock
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HK$15,000 per item/set/pair
(HK$2,000,000 or 65% of the sum insured against this section , whichever is the lesser, per policy)
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Personal effects of employees
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HK$5,000 per employee & HK$10,000 per occurrence
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Contents temporarily removed from premises
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15% of sum insured per occurrence
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Damage to Contents during office removal within HKSAR by professional removers
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HK$100,000 any one occurrence with limit HK$20,000 per item
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Removal of debris from business premises following loss of or damage to the contents
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HK$50,000 or 10% of sum insured per occurrence, whichever is the lesser
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Loss of or damage to stock or document in transit
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HK$50,000 in aggregate for stock
HK$5,000 in aggregate for document
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Loss of or damage to computer systems and records
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HK$10,000 per item, HK$100,000 per occurrence
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Cost of extinguishing fire
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HK$50,000 per occurrence
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Damage to premises caused by theft or attempted theft
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10% of sum insured per occurrence
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Stock and contents held in trust
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HK$100,000 per occurrence, HK$15,000 per item/set/pair
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Loss of or damage to works of art
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HK$5,000 per occurrence
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Alterations and Additions
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Below HK$300,000 contract value
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Minimum Deductible:
1) 10% of each and every loss due to water damage, subject to a minimum of HK$1,000
2) The first HK$1,000 of each and every other loss
3) Portable office equipment outside premises: HK$2,500
Increased Cost of Working
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This section gives you protection for additional cost of carrying on your business after a
loss payable under "Office Contents All risks" cover for a period up to 12 months. The sum
insured automatically provided is HK$1,000,000 per occurrence/ any one period of insurance.
Time excess is 48 consecutive hours.
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Free Special Extensions
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Maximum Limit
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Accountant's fees clause
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HK$50,000 / occurrence
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Denial of Access
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HK$250,000 / policy
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Failure of Public Utilities
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HK$250,000/ policy
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Money and Personal Assault
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This section gives you protection against loss of Money (cash, cheques, crossed cheques,
money orders etc) at Business Premises or in transit anywhere in the Hong Kong Special
Administrative Region. The policy also covers loss of money in a bank night safe and
damage to safes by theft or attempted theft.
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Loss of Money
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Limit per occurrence/ any one period of insurance
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1) in transit during office hours
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HK$50,000
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2) at business premises during office hours
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HK$50,000
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3) at Business Premises out of Office Hours in a locked safe or strongroom
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HK$50,000
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4) At Business Premises out of office Hours not in a locked safe or strongroom
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HK$5,000
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5) In transit to and from and whilst at the residence of an authorized Employee
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HK$2,500
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6) in a bank night safe
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HK$30,000
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7) Loss of Crossed cheques, crossed postal orders, crossed bank drafts etc.
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HK$500,000
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8) Damage to safes by theft or attempted theft
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HK$35,000
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This section also provides the following special extension at no extra cost:
| 1) | Fidelity Guarantee – Liberty will compensate you for direct pecuniary loss arising from any act of fraud or dishonesty committed by your employees (Limit: HK$10,000 any one occurrence and in the aggregate up to HK$50,000). |
| 2) | Personal Assault-HK$100,000 per person, HK$1,000,000 any one period of insurance |
Public Liability
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This section covers your legal liability in respect of compensation for third party bodily
injury and or property damage arising in connection with the business operation and occurred
within the Hong Kong Special Administrative Region. The Limit of Liability shall include
all costs and expenses recovered by any claimant from the Insured and all costs and expenses
incurred by the Insured with the written consent of the Company. Maximum limit is HK$10,000,000
per occurrence and unlimited any one period of insurance and with the following extension:-.
1) Independent Contractor's Liability
2) Overseas Visits Clause
3) Tenant's Liability Clause
4) Food and drinks Poisoning
5) First Aid clause
6) Welfare, Social and Sports Club Clause
Minimum Deductible:-
1) 10% of each and every property loss due to water damage, subject to a minimum of HK$1,000.
2) The first HK$1,000 of each and every other property loss.
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OPTIONAL COVER
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1) Employees' Compensation
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This section covers your liability to employees in accordance with the Employees' Compensation
Ordinance and Common Law, for injuries or death arising out of employment, up to HK$100 million
per event and with the following extensions:
1) Meal and Lunch Time Clause
2) Emergency Transportation Clause
3) Extra-Ordinary Weather Conditions Clause
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2) Hospital Benefit Insurance Cover
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Cover include:
| (1) | Hospital Benefit upto HK$ 50,000 per year with 80% reimbursement (Non Surgical Schedule) |
| (2) | Day Surgery, Maximum HK$ 4,000 (Per Year) |
| (3) | Room Level : WARD
(Reimbursement % is 50% if confinement level is Semi-Private)
(Reimbursement % is 25% if confinement level is Private) |
| Note: | The company with at least SIX employees is eligible.
Premium assumed mandatory cover and all eligible staff must participate. |
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Premium
(Per Employee)
Age 18-25 : HK$ 760
Age 25-50 : HK$ 950
Age 51-64 : HK$ 1,310
(Age last birthday)
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Premium
(Per Spouse / Child)
Age 15 Days - 25 : HK$ 835
Age 25-50 : HK$ 1,045
Age 51-64 : HK$ 1,445
(Age last birthday)
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Major Medical Exclusion
- Pre-Existing conditions - Within the 6-month period immediately prior to the first day of coverage
- Six months waiting period for specific conditions - anal fistulae; cholecystitis; calculi of kidney, urethra or bladder; diabetes mellitus; gastric or duodenal ulcer; hallux valgus; hypertension or cardio vascular disease; tuberculosis; tumours of skin; muscular tissue; bone tumours or malignancies of blood or bone marrow; cataracts; endometriosis; diseased tonsils requiring surgery; hemorrhoids; hyperthyroidism; pathological abnormalities of nasal septum or turbinate; sinus conditions requiring surgery; and tumours of internal organs
- Any medical services associated with pregnancy and contraceptive technique
- Birth defects and congenital illnesses, contraception or sterilization or cosmetic surgery
- Dental treatment or oral surgery; eye refraction and ear examinations
- Injuries resulting from terrorism, war, riot, civil commotion
- Mental illness and psychiatric disorders (e.g. depression)
- Prostheses, corrective devices special braces, appliances, wheel chairs, crutches or other equipment
- Routine medical examinations
- Self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse and sexually transmitted diseases
- Sexually transmitted or Venereal diseases, AIDS, ARC and their sequelae
- Long term care facility, spa, hydro-clinic & sanatorium
- Non-Hong Kong residents unless otherwise agreed
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Download leaflet for plan details or proposal form for application.
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Note: This leaflet serves as a general guideline. Please refer to the Policy and Schedule for details of cover.
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