Back to Top

 
       
     
     
       
  Plan Highlights  
  Schedule of Benefits  
  Important Notes    
  Major Exclusions    
     
  The BusinessSafe Insurance is tailored to meet all your insurance needs in running a business. It is an all-in-one insurance plan that covers the loss of business contents in your premises, including equipment, computer, trade samples, etc. With BusinessSafe Insurance, you can focus on running your business without worry.  
     
Plan Highlights
 
     
  Comprehensive Property All Risks Protection covering accidental loss of or damage to business contents and stock (optional).  
  3 additional core benefits at no cost, including Business Interruption Protection (excluding loss of gross profit), Money Protection, and Public Liability.  
  Optional Employees' Compensation and free Personal Accident Benefit to provide extra protection for your staff.  
     
  Once you have enrolled in Section 1 of the plan, benefits in Sections 2 (excluding loss of gross profit) to 4 will be offered free of charge. Section 5 is an optional benefit with additional premium. If you enrol in both Sections 1 and 5, you can enjoy extra benefits in Section 6 at no cost.  
     
  Back to Top    
       
Schedule of Benefits
 
     
  Section 1 – Property All Risks Protection  
 
Benefit Items Maximum Limit (HK$)
I. Basic Benefits - Business Contents
Property All Risks Protection covers business contents including furniture, fixtures, fittings, plants, equipment, machinery, etc., with a new for old coverage provided that the sum insured represents the full replacement value. Benefits will be provided subject to the following limits:
a) Equipment or machinery
b) Trade samples
c) Portable equipment/computer (excluding PDA/mobile phone/communication device) outside insured premises within Hong Kong
d) Deed, document, card, tape, file or transparency
e) Work of art

f) Wine/Spirit

g) Total amount of all loss or damage (inclusive of items (a) to (f) above)
 
$100,000/item
$35,000/item
$10,000/item
($25,000/period of insurance)

$5,000/item
$5,000/item
($10,000/period of insurance)
$1,000/item
($5,000/period of insurance)
Up to the selected sum insured
Plus FREE Extensions
1. Loss of or damage to personal effects
$5,000/employee
($20,000/period of insurance)
2. Loss of or damage to business contents whilst temporarily removed for cleaning, renovation and repair
15% of sum insured/
period of insurance
3. Removal of debris
10% of sum Insured
($100,000/period of insurance)
4. Cost of reinstating or reproducing any documents, deeds, maps, plans and records due to loss in transit
$10,000/period of insurance
5. Accidental breakage of fixed glass
10% of sum insured
($50,000/period of insurance)
6. Loss of or damage to computer system records (for the cost of reproducing the data only)
$10,000/item
($50,000/period of insurance)
7. Fire extinguishing expenses
$50,000/period of insurance
8. Automatic reinstatement of sum insured
Sum insured of the covered property in this section#
9. Interior alterations, additions and repairs to the insured premises if the value of contract works shall not exceed:
(i) HK$200,000 or
(ii) the sum insured (whichever is the lesser).
Covered*
10. Damage within the insured premises due to theft or attempted theft
$20,000/period of insurance
11. Locks replacement due to theft or attempted theft
$5,000/period of insurance
12. Damage to company signage
$2,000/period of insurance
13. Damage to roller shutters and gate
$20,000/period of insurance
II. Optional Benefits - Stock
Stock in trade Up to the selected sum insured
Plus FREE Extensions
1. Loss of goods in transit
$50,000/event
($200,000/period of insurance)
2. Seasonal increase of sum insured during peak sales season
Increase by 20% of sum insured
3. Loss due to shop-lifting
$3,000/period of insurance
 
     
     
  Section 2 – Business Interruption Protection  
 
I. Benefit Items (Free) Maximum Limit (HK$)
Covers additional expenditure incurred in consequence of business interruption due to damage to property insured under Section 1 (e.g. rental for a temporary site). $1,000,000
(Max. indemnity period: 12 months)
Plus FREE Extensions
1. Professional accountants' fees for claims verification
$50,000/period of insurance
2. Interruption due to denial of access
Covered*
3. Interruption or interference due to failure of public utilities (e.g. electricity, gas or water)
Covered*
II. Optional Benefits (Subject to additional premium)
Loss of gross profit Up to the selected sum insured
 
     
     
  Section 3 – Money Protection (Free Benefits)  
 
Benefit Items Maximum Limit (HK$)
1. Covers the loss of money under the following circumstances (other than crossed cheques, crossed postal orders, crossed money orders and crossed bankers' drafts). Benefits will be provided subject to the following limits:
a) Money in transit during business hours $50,000/period of insurance
b) Money at the insured premises during business hours $50,000/period of insurance
c) Money at the insured premises out of business hours in locked safe or strongroom $50,000/period of insurance
d) Money at the insured premises out of business hours not in a locked safe or strongroom $5,000/period of insurance
e) Money in transit to and from and whilst at the residence of an authorised employee $2,500/period of insurance
2. Loss of money including crossed cheques, crossed postal orders, crossed money orders and crossed bankers' drafts
$500,000/period of insurance
3. Loss of or damage to safes or cash register caused by theft or attempted theft
$25,000/period of insurance
 
     
     
  Section 4 – Public Liability (Free Benefits)  
 
Benefit Items Maximum Limit (HK$)
Covers the legal liability arising from employer or employees' negligence at the insured premises towards third parties for accidental bodily injury or property damage. $10,000,000/event
Plus FREE Extensions
1. Liability for overseas business visits
Covered*
2. Tenant's liability
Covered*
3. Poisoning of food and/or drinks sold or supplied by the insured
$3,000,000/period of insurance
4. Neon sign/Signboard liability
$1,000,000/period of insurance
5. Liability of providing first aid
Covered*
6. Activities organised by the welfare, social and sports clubs
Covered*
7. Independent contractors' liability (Maximum contract value: HK$200,000)
Covered*
 
     
     
  Section 5 – Employees' Compensation (Optional Benefits)  
 
Benefit Items Maximum Limit (HK$)
Covers employer's legal liability for bodily injury to employees arising out of and in the course of employment. As required by the Employees' Compensation Ordinance
Plus FREE Extensions
1. Employees' inter-sports, social and welfare activities
Covered*
2. Business trips (other than manual work assignments)
3. Extraordinary weather conditions
4. Catering facilities

Remarks:
#Subject to payment of additional premium (if required).
*Subject to the maximum limits under the corresponding sections.
 
     
     
  Section 6 – Personal Accident Benefit (Free Benefits)  
 
Benefit Items Maximum Limit (HK$)
Upon the enrolment of Employees' Compensation in Section 5, Personal Accident Benefit will be provided for free. It protects employer and employees in the event of death or bodily injury arising from fire, robbery or attempted theft in the insured premises. Benefits will be provided subject to the following limits:
1. Accidental death and permanent disablement
a) Death
b) Permanent and total disablement
c) Loss of both limbs
d) Loss of sight of both eyes
e) Loss of one limb and loss of sight of one eye
f) Loss of one limb or loss of sight of one eye
2. Temporary total disablement






Max. $50,000/person
100%
100%
100%
100%
100%
50%
$250/week
(Max. 104 weeks)
 
     
  Back to Top    
       
Important Notes
   
     
 
1.
The minimum annual premium for Sections 1 and 5 are HK$1,000 and HK$500 respectively (excluding government levy).
2.
The benefits payable are subject to the excess applicable to different sections of the Policy.
 
   
   
     
  Back to Top    
       
Major Exclusions
   
     
 
1.
Loss due to wear and tear, insects, rust, corrosion, the action of light or atmosphere and gradually operating causes.
2.
Any wilful or deliberate act of the insured, fines, penalties, operational error or omission, infidelity or dishonesty of the insured or its staff and criminal activities.
3.
War, act of terrorism (except Section 5), nuclear energy risk, radioactive or other pollution and contamination.
 
   
   
     
  Back to Top    
       
  For more information and related documents, please download here.   Talk to us directly:
  Product Leaflet Application Forms     3608 2988 or email us
 
  Notes:  
 
1. The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions. For more information or a copy of the policy terms and conditions, please contact our Customer Service Department on 3608 2988/ by email cs@bluecross.com.hk for enquiry.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
 
     
  The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.