Circles Group

Circle Assets provides seamless coverage for Household, Private Collections, and Personal Liability on a worldwide basis under a single insurance policy.

Property and Contents

Circle Assets’ property & contents coverage includes:

  • Comprehensive buildings & contents coverage
    Provides maximum protection for exceptional homes, speci cally designed to address the uniqueness of your dwelling and the valuables so carefully chosen within.
  • All risks coverage
    Protect yourself against property damage and losses regardless of the cause with no average clause applicable. You can rely on comprehensive insurance, few restrictions, and complete peace of mind.
  • Guaranteed rebuilding costs
    We provide an optional payment basis where if the unexpected should happen and your home is damaged, we will pay to have your home rebuilt or repaired to its original state and beauty, even if the costs exceed your policy limits.
  • Worldwide coverage
    We provide worldwide coverage for all physical loss or damage no matter where you take your contents or personal effects.
  • No ordinary household contents sub limits
    Your ordinary household contents such as furniture and kitchen equipment are fully covered with no article sub limits, except for valuable items speci cally mentioned.
  • Alternative accommodations
    If your home cannot be occupied due to a covered loss, we will cover reasonable increases in your normal living expenses. This allows you to maintain a comparable standard of living, without further interruptions.
  • Loss of rent
    If your tenant is unable to occupy your rental property due to a covered loss, we will provide you with the lost rent on that property for up to 12 months.
  • Full cover for pairs & sets
    If one item that is part of a pair or set is lost or damaged, we will pay the full replacement value of the entire pair or set if you agree to surrender the remaining article(s) of the pair or set to us.
  • Trace and access
    Not only do we pay for the damage caused by a leak, we also pay the costs of nding the source of the leak.

Private Collections

Circle Assets’ private collections coverage includes:

  • Comprehensive worldwide coverage
    Covering any loss or damage due to all number of perils including theft, earthquake, ood, and breakage anywhere in the world. You can feel secure that your items are protected regardless of where they are located (territorial restrictions may apply).
  • Newly acquired items
    New acquisitions are immediately covered at the time of purchase, conveniently allowing you up to 90 days to add the new item to your policy.
  • Death of artist
    If you have a loss or damage to any specifed art item, Circle will pay up to 200% of the amount insured (up to HK$1,500,000) if the occurrence is within the immediate 6 months following the death of the artist, provided you had a valuation done within the last 36 months prior to the loss/damage.
  • Defective title
    Provides cover for up to 10% of the Collection Sum Insured, or up to HK$250,000, if you have a covered loss.
  • Pair or set
    You are allowed to choose whether to repair, replace, or surrender undamaged items that are part of a pair or set, when there is damage to an item in that pair or set.
  • Items in transit
    Insured collectibles are covered while the items are in transit, up to the policy limits, subject to suitable transportation and packing.
  • Items on exhibit
    Items that may be damaged when moved to or from exhibitions and/or while you have them on display or loan, are covered subject to prior notice and terms and conditions to be advised.
  • Wine coverage
    Cover is provided for spoilage due to mechanical breakdown of climate-control systems, breakage and more.
  • Classic car coverage
    Your investment in a classic car is protected with all risk, off road cover.

Personal Liability

Circle Assets’ personal liability coverage includes:

  • Worldwide territory
    Including USA and Canada without duration or limitation.
  • Defense cover
    Legal defense costs and expenses are payable in addition to the limit of liability.
  • Directors’ errors or omissions
    Covers personal injury or property damage arising out of an Insured Person’s actions as an officer or member of the board of any not for profit organization.
  • Kidnap expenses
    Covers an Insured Person’s kidnap expenses, up to a maximum of HK$200,000.
  • Reversal of damages
    Covers up to HK$5,000,000 for unrecoverable court awards.
  • Domestic helper liability during the course of employment
  • Golf exposure
  • Medical payments
  • Credit cards and forgery
  • Identity theft

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Call: +852 2530 2530
Fax: +852 2530 2535

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong