Business Insurance - Azure Risk

From Sole Traders To The Largest Multinationals – Safeguard Your Business

What is Business Insurance?

Business Insurance is a comprehensive package of insurance products covering physical premises, contents, public liability (on premise) and employees’ compensation (EC) insurance.

Depending on business types, similar packages are also referred to as :

Office Insurance
Shop Insurance
Restaurant Insurance

Do I need Business Insurance?
What does Business Insurance cover?

Do I need Business Insurance?

Regardless of whether you own or rent your workspace premises, liabilities may arise regarding physical loss of or damage to content and stock contained within the business premises. To safeguard your business property and its physical assets, Business Insurance efficiently provides financial cover for contents on an ‘All Risks’ basis, public liability and third party (on premise), in addition to loss due to operational disruptions.

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Coverage varies depending on whether a business rents or owns its premises. Building maintenance generally falls on the property owner, therefore businesses renting space may not need the same level of coverage as property owners.

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What does Business Insurance cover?

Azure Risks’ Business Insurance policies are tailored to suit the type, size and location of your business, whilst offering flexibility to extend coverage to manage the different risks and liabilities specific to your industry.

Business Insurance packages include (but are not limited to):

Contents: Coverage for office contents, furniture, and equipment within the premises
Property ‘All Risks’: Indemnity against all damage to property or loss of items on premises. This includes coverage against fire, burglary and accidental damage or loss.

Insurance can be extended to cover:

Multiple locations
Warehouses
Specialist equipment
Stock
Valuable items such as mobile phone, tablets, laptops
Money Insurance: Protects against loss of money via theft or burglary while kept on premises, or while in transit to a bank. This policy includes physical cash, postal orders, checks, stamps, and associated forms of currency.
Business Interruption Insurance: Protects against financial losses should your business be forced to suspend activity due to outside peril or risk. To restore normal conduct of business, insurance includes the costs needed to set up temporary offices, pay employees’ overtime wages and purchase replacement equipment to help you get back to business quickly.

Public Liability Insurance: Protects your business legal liability against accidental death, injury and/loss or damage to property arising from your operations to third parties (customers, suppliers, and the public at large). Public Liability Insurance covers you, your employees and your business against all costs and expenses incurred in defense of potential claims against you.

Employees Compensation Insurance: Covers an employer’s legal liability for bodily injury to employees arising out of and in the course of employment. Employees’ compensation insurance protects you from exposure to Common Law and Statutory liabilities under the laws of the HKSAR should employees become injured or ill as a result of work-related activities.

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