Section 1 – Office Contents, Stock and Building
“All Risks” insurance protects your office contents, including furniture, fixtures and fittings, office equipment and machinery, stock and building resulting from an accident or nature hazard.
Section 2 - Business Interruption
We will pay for loss as gross profit, rental and wage after interruption of your business resulting from accident or nature hazard.
Section 3 - Electronic Equipment Insurance for Computers
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Computer Equipment and Data Media (All Risks)
We will cover your office computer equipment, systems and data media caused by any unforeseen and sudden physical loss or damage from electrical or mechanical breakdown, up to 50% Sum Insured of Office Contents during any insurance period.
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Increased Cost of Working
We will also pay for the additional expenditure incurred due to total or partial interruption of operation to your office computer equipment, up to RMB50,000 during any insurance period.
Section 4 - Loss of Money
Covers loss of money that is kept in the safe or strongroom due to robbery or theft by actual force and violence in your office, up to RMB100,000 during any insurance period.
Section 5 - Office Assault - Personal Accident
This plan provides compensation of accidental death or permanent total disablement for you or your employees as a result of a robbery or attempted theft in the office, up to a maximum limit of RMB250,000 per person..
Section 6 - Glass Breakage
This plan covers accidental breakage of fixed glass including sanitary fixtures and fittings.
Section 7 - Public Liability
This plan insures you against legal liability for third party bodily injury and / or property damage arising from your business, up to RMB10,000,000 during any insurance period.
Section 8 – Employer’s Liability
Basic Cover:
We will indemnify the your legal liability including lawsuit fees in respect of death or bodily injury by accident or through occupational disease caused during the period of working, up to RMB1,000,000 during any insurance period.
Additional Cover:
A. Indemnity for the liability to Employee’s personal injury by accident
It provides indemnity to your employees in respect of accidental death or bodily injury in the course of employment by you, up to RMB2,000,000 during any insurance period.
B. Special Indemnity for self-payment to Work-Related Injury
We will indemnify you against any part which will be paid by the Insured according to the Regulation of Work-Related Injury Insurance
