Miscellaneous Insurance

Product	Features
Fire Insurance	Cover any loss destruction or damage caused by fire, or by lightning, or by explosion of boilers or gas used for domestic purposes only, or by any extra peril, such as damage directly caused by aircraft, earthquake, damage directly caused by explosion, vehicle impact, riot & strike, riot fire, malicious damage, spontaneous combustion, sprinkler leakage, typhoon, windstorm & flood and damage directly caused by bursting or overflowing of water tanks, apparatus or pipes, etc.
Property All Risk Insurance	Cover any unforeseen and sudden and accidental physical loss or damage from any other cause not specifically excluded. Major exclusions include faulty or defective design materials or workmanship, disappearance unexplained or inventory shortage, etc.
Business Interruption Insurance	Cover any unforeseen, sudden and accidental physical loss or damage due to or caused by perils insured under the Property Damage policy (Property All Risk Insurance policy/Fire Insurance policy), the Business carried on by the Insured at the premises be in consequence thereof interrupted or interfered with then. Provide cover against business interruption and subsequent loss of gross profit or additional expenditure following such accidental physical loss or damage to insured property.
Public Liability Insurance	Cover the Insured in respect of all sums which the Insured shall become legally liable to pay as damages in respect of accidental death or bodily injury and/or accidental loss of or damage to any property happening in connection with the business and occurring during the period of insurance at the insured premises. In addition, cover the Insured in respect of all costs and expenses of litigation recovered by any claimant against the Insured and/or all costs and expenses of litigation incurred with our written consent, subject to the limit of liability under the policy.
Employees' Compensation Insurance	Cover the Insured against legal liability under the Employees' Compensation Ordinance or at Common Law to pay compensation and claimants' costs and expenses in respect of injury sustained by any employee arising out of and in course of employment of such person by Insured in connection with the business and caused within HKSAR during the period of insurance, and will in addition pay all costs and expenses incurred with our written consent.
Commercial Vehicle Insurance	Cover comprehensive and third party liability cover against accidental loss of or damage to the insured motor vehicle and third party liability, including the loss of or damage to the insured motor car and/or its accessories or spare parts, legal liability for causing third party's death or bodily injury and/or legal liability for causing third party's property damage.
Contractors' All Risk or Erection All Risk Insurance	Provide "All Risks" cover for loss of or damage to the insured contract works or material caused by fire, water, burglary or explosion, etc. during the working period. Also provide cover for the Insured against legal liability in respect of third party bodily injury and/or property damage arising out of contract works.
Electronic Equipment Insurance	Provide comprehensive cover against accidental damage to electronic equipment caused by a wide range of hazards, such as fire, water damage and breakdown.
Machinery Breakdown and Machinery Consequential Loss Insurance	Provide cover against accidental breakdown of machinery. In addition, provide protection against the loss of profit as a consequence of the accidental breakdown of machinery.

Features
Product
Cover any loss destruction or damage caused by fire, or by lightning, or by explosion of boilers or gas used for domestic purposes only, or by any extra peril, such as damage directly caused by aircraft, earthquake, damage directly caused by explosion, vehicle impact, riot & strike, riot fire, malicious damage, spontaneous combustion, sprinkler leakage, typhoon, windstorm & flood and damage directly caused by bursting or overflowing of water tanks, apparatus or pipes, etc.
Cover any unforeseen and sudden and accidental physical loss or damage from any other cause not specifically excluded. Major exclusions include faulty or defective design materials or workmanship, disappearance unexplained or inventory shortage, etc.
Cover any unforeseen, sudden and accidental physical loss or damage due to or caused by perils insured under the Property Damage policy (Property All Risk Insurance policy/Fire Insurance policy), the Business carried on by the Insured at the premises be in consequence thereof interrupted or interfered with then. Provide cover against business interruption and subsequent loss of gross profit or additional expenditure following such accidental physical loss or damage to insured property.
Cover the Insured in respect of all sums which the Insured shall become legally liable to pay as damages in respect of accidental death or bodily injury and/or accidental loss of or damage to any property happening in connection with the business and occurring during the period of insurance at the insured premises. In addition, cover the Insured in respect of all costs and expenses of litigation recovered by any claimant against the Insured and/or all costs and expenses of litigation incurred with our written consent, subject to the limit of liability under the policy.
Cover the Insured against legal liability under the Employees' Compensation Ordinance or at Common Law to pay compensation and claimants' costs and expenses in respect of injury sustained by any employee arising out of and in course of employment of such person by Insured in connection with the business and caused within HKSAR during the period of insurance, and will in addition pay all costs and expenses incurred with our written consent.
Cover comprehensive and third party liability cover against accidental loss of or damage to the insured motor vehicle and third party liability, including the loss of or damage to the insured motor car and/or its accessories or spare parts, legal liability for causing third party's death or bodily injury and/or legal liability for causing third party's property damage.
Provide "All Risks" cover for loss of or damage to the insured contract works or material caused by fire, water, burglary or explosion, etc. during the working period. Also provide cover for the Insured against legal liability in respect of third party bodily injury and/or property damage arising out of contract works.
Provide comprehensive cover against accidental damage to electronic equipment caused by a wide range of hazards, such as fire, water damage and breakdown.
Provide cover against accidental breakdown of machinery. In addition, provide protection against the loss of profit as a consequence of the accidental breakdown of machinery.