Liability Insurance
Employees' Compensation Insurance
Covers the legal liabilities of the insured employer towards his employees. The liability covered is very often classified into the following two types
1. Liability under the Employees’ Compensation Ordinance: A statutory liability which is placed upon an employer to pay compensation in stipulated amounts to employees or their dependents in respect of injury or death caused by accident arising out of and in the course of their employment.
2. Liability independent of the EC Ordinance (common law liability). This is employers’ liability that arises otherwise than under the EC Ordinance, and relates to liability in tort (mainly negligence) in respect of death of or injury to employees, again arising out of and in the course of their employment.
Public Liability Insurance
Protect against liability claims for bodily injury and property damage that is not insurable by specialized liability insurances such as motor insurance, EC insurance, products liability insurance and professional indemnity insurance.
Products Liability
Product liability insurance is specially designed for product manufacturers, wholesalers or retailers to protect customers' third-party legal liabilities caused by their products, so as to reduce the potential financial burden faced by manufacturers and merchants.
Directors & Officers Liability Insurance
Being a company director or officer makes you vulnerable to allegations of wrongful acts in the course of doing your job. No matter the size of your organisation, this policy protects you from claims made against you by a host of third parties – from shareholders to customers. It lets you focus on running the company instead of worrying over protracted litigation.
Contractors Pollution Liability Insurance
Pollution liabilities can arise suddenly during operations at a job site or develop over time. Our Contractors Pollution Liability Insurance protects against these liabilities and includes indemnity for clean-up costs incurred as a result of third party claims. If you’re insured, this policy covers you and your subcontractors as you carry out your work on site.
Premises Pollution Liability Insurance
We understand that environmental liabilities can impact business operations. That’s why our specialised suite of Premises Pollution Liability products can be structured to provide broad protection to safeguard owners, managers and operators of various premises. So whether the liabilities are gradually occurring, sudden or accidental, you’ll be adequately covered.
Professional Indemnity Insurance
Intended for “professional” individuals, such as lawyers, doctors (medical malpractice insurance or medical indemnity insurance), accountants, architects, fund managers, trustees, etc. Intended to protect against mistakes in professional acts and omissions, including the giving on incompetent advice.
Freight Forwarder Liability Insurance
Freight forwarders play an important role in the Hong Kong economy. Due to the complicated procedures and documents required to ship the goods, many times the cargo owner will entrust the freight forwarder to arrange the delivery of the goods to the destination. The process involves more different areas, such as transportation, warehouse storage, container yard, customs declaration, etc .; therefore, it is more likely to encounter related risks and liability issues. Freight forwarding liability insurance is providing the industry with a protection against liability for errors, negligence, and even personal injury to third parties.
Public Offering of Securities Insurance
In a public offering exercise, there’s always the risk of misleading information in the investment prospectus sent to current and potential investors. This policy uniquely protects your company, its directors and officers and other parties by allowing you to ring-fence prospectus liability for better protection against the risks of claims that may ensue.
School Liability Insurance
Education is a tough business. Whether you’re a director or teacher, you could incur various liabilities just by doing your job, putting the school’s assets and your personal assets at risk as a result. This insurance comprehensively protects the school and all its employees from such risks. So you can focus on building tomorrow’s leaders, no matter what happens.