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Tokio Marine's Business Package Insurance is specially designed to protect your business with a broader coverage at a competitive cost.
 
Section 1 - Content All Risks Cover (Basic Cover)  
  Maximum Limit (HK$)
Coverage
1. On Contents   Declared Sum Insured
 
i.
any one machinery and equipment
$100,000 per item
 
ii.
computer systems' records
$50,000
 
iii.
deed, document, card, tape, film or transparency
$5,000 per item
 
iv.
shop-front fixtures consisting of roller shutter door, door, fixed glass panel, neon sign or signboard
$20,000 per year
 
v.
work of art or curios
10% of the Sum Insured not exceeding $100,000 per year
 
 
maximum limit per item
$10,000
 
vi.
your or your employee's personal effects
$5,000 per employee
2. On Stocks in Trade Declared Sum Insured
  maximum limit per item $5,000 per item
* Minimum premium for Section 1: HK$1,000  
Free Extension under Section 1  
1. Seasonal Increase to Stocks (automatic increase from November to February) 120% of the Sum Insured
2. Stock in Transit 10% of the Sum Insured not exceeding $50,000 per year
3. Temporary Removal 10% of the Sum Insured not exceeding $10,000
  maximum limit per item $5,000 per item
4. Fire Extinguishing Expenses $20,000 per year
5. Damage to Premises following theft no sub-limit
6. Removal of Debris 10% of the Sum Insured
7. Architects' and Surveyors' fees $5,000
 
Section 2 - Business Interruption (Free)  
Increased Cost of Working incurred in consequence of damage to property insured under Section 1 $1,000,000 with 12 months indemnity period
Free Extension under Section 2  
1. Mandatory Provident Fund (MPF) Contribution $5,000 per year
2. Professional Accountants' Fees $50,000 per year
3. Denial of Access $1,000,000 per year
4. Closure due to Murder, Suicide, Food & Drink Poisoning, Vermin or Pests by competent authority $1,000,000 per year
5. Failure of Public Utilities $1,000,000 per year
 
Section 3 - Money (Free)  
1. Loss of Money (other than crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers)  
 
i.
Money in Transit
$50,000
 
ii.
Money on the premises during business hours
$50,000
 
iii.
Money on the premises out of business hours in a locked safe or locked strong room
$50,000
 
iv.
Money on the premises out of business hours in a locked drawer or locked cash register
$5,000
 
v.
Money in bank night safes and thereafter within bank premises until at banks' risk
$50,000
2. Loss of crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers $500,000
3. Loss of or damage to Safes and Cash Register caused by theft or attempted theft $25,000
Free Extension under Section 3  
1. Automatic Increase in Sum Insured on Weekend and Public Holiday 120% of the Sum Insured
 
Section 4 - Fidelity Guarantee (Free)  
Loss of Money due to acts of fraud or dishonesty committed by employee $20,000 per year
 
Section 5 - Personal Assault  
Cover accident death or permanent total disablement of you or your employees as a result of fire, explosion, theft or attempted theft at the premises  
 
i.
Death within 12 months of the bodily injury
$100,000 per person
 
ii.
Loss of one or more limbs
$100,000 per person
 
iii.
Loss of sight of one or both eyes within 12 months of the bodily injury
$100,000 per person
 
Section 6 - Public Liability (Free)  
Insure against legal liability for third party bodily injury or property damage $10,000,000 per occurrence
Free Extension under Section 6  
1. Overseas Visits no sub-limit
2. Tenant Liability no sub-limit
3. Social and Sports no sub-limit
4. First Aid no sub-limit
5. Food and Drinks Supplied $2,000,000 per year
 
Section 7 - Employees' Compensation (Optional Cover)  
Insure against employer's liability to employees under the EC Ordinance and Common Law $100,000,000 or up to the statutory limit per event
* Minimum premium for Section 7: HK$500 + 10.8% ECI Levy  
Free Extension under Section 7  
1. Employees Inter-Sports Social and Welfare Activities
2. Business Trip
3. Extraordinary Weather Conditions
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.