Tokio Marine

Tokio Marine - Hong Kong – serving Hong Kong for more than 60 years

The Tokio Marine and Fire Insurance Co. (HK) Ltd. ("TMF") is a member of Tokio Marine Group, one of the largest international insurance groups in the world.

The flagship company of Tokio Marine Group is Tokio Marine & Nichido Fire Insurance Co. Ltd. founded in 1879, with credit rating of “AA-” (S&P)*. The Group has more than 47,000 employees all over the world and a prominent global network in near 40 countries including China and Hong Kong.

Tokio Marine's presence in Hong Kong can be dated back to 1879. The business has been growing together with the post-war economy of Hong Kong since 1953.

TMF is now one of the top Marine Cargo insurance companies in Hong Kong with a credit rating of A (S&P).

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The main hazards exposed during transit are:

  • Perils of the sea
  • Theft
  • Malicious Damage
  • Fire and Accidental Damage


In Hong Kong market, the most commonly used clauses are the Institute Cargo Clauses (A) 1/1/1982, which provide coverage in respect of All Risks of loss of or damage (subject to certain exclusions).

TMF provides the following extensions:

  1. Other Interests and Voyages held covered at rates and conditions to be advised
  2. General Average and Salvage Charges payable irrespective of contributory values
  3. Return and/or Rejected Shipments held covered at rates and conditions to be advised
  4. Loading and Unloading Risks

In the absence of "All Risks" insurance, coverage may be provided on the more restrictive basis, such as Institute Cargo Clauses (B) or Institute Cargo Clauses (C) according to the cargo nature or other situation. (Please refer to the comparison table below)

Risks
Institute Cargo Clauses A B C
Proximate Cause
1. Stranding, Grounding, Sinking or Capsizing
2. Overturning or Derailment of Land Conveyance
3. Collision of Ship or Craft with another Ship or Craft
4. Contact of Ship, Craft or Conveyance with anything other than Ship or Craft (excludes Water but not Ice)
5. Discharge of Cargo at Port of Distress
6. Fire or Explosion
7. Earthquake, Volcanic Eruption or Lightning
8. Malicious Damage
9. Theft/Pilferage
10. General Average Sacrifice
11. Jettison
12. Washing Overboard (deck cargo)
13. War Risks (except Piracy)
14. Seawater entering Ship, Craft, Hold, Conveyance Container Lift Van or Place of Storage
15. River or Lake Water entering same
16. Loss overboard during Loading/Discharge (total loss only) N/A
17. Any risks of physical loss or damage not specified

The coverage required may be either in respect of:
  1. policy for a single shipment by sea/air/rail/post; or
  2. annual policy subject to monthly declarations or as otherwise arranged; or
  3. annual policy subject to deposit premium and annual adjustment.

Claims procedure for Marine Claims

Tokio Marine's policy wordings contain the following important clause regarding the procedure for claiming:

PROCEDURE IN THE EVENT OF LOSS OR DAMAGE FOR WHICH UNDERWRITERS MAY BE LIABLE LIABILITY OF CARRIERS,BAILEES OR OTHER THIRD PARTIES

It is the duty of the Assured and their Agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimizing a loss and to ensure that all rights against Carries, Bailees or other third parties are properly preserved and exercised. In particular, the Assured or their Agents are required -

1. To claim immediately on the Carriers, Port Authorities or other Bailees for

any missing packages.

2. In no circumstances, except under written protest, to give clean receipts

where goods are in doubtful condition.

3. When delivery is made by Container, to ensure that the Container and its

seals are examined immediately by their responsible official. 4. If the Container is delivered damaged or with seals broken or missing or with seals other than as stated in the shipping documents, to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification. 5. To apply immediately for survey by Carriers’ or other Bailees’

Representatives if any loss or damage be apparent and claim on the Carries or other Bailees for any actual loss or damage found at such survey. 6. To give notice in writing to the Carriers or other Bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery. 7. NOTE -The Consignees or their Agents are recommended to make

themselves familiar with the Regulations of the Port Authorities at the port of discharge.

DOCUMENTATION OF CLAIMS To enable claims to be dealt with promptly, the Assured or their Agents are advised to submit all available supporting documents without delay, including when applicable -

1. Original Policy or certificate of insurance.

2. Original or certified copy of shipping invoices, together with shipping

specification and/or weight notes.

3. Original or certified copy of Bill of Lading and/or other contract of carriage. 4. Survey report or other documentary evidence to show the extent of the loss

or damage. 5. Landing account and weight notes at port of discharge and final

destination. 6. Correspondence exchanged with the Carriers and other parties regarding

their Liability for the loss or damage.

In the event of loss or damage which may involve a claim under the insurance, no claim shall be paid unless immediate notice of such loss or damage has been given to and a Survey Report obtained from this Company’s Office or Agents specified in this policy.

No claim for loss by theft &/or pilferage shall be paid hereunder unless notice of survey has been given to this Company’s agents within 10 days of the expiry of this insurance

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording inserted below:

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Tokio Marine's Office Package Insurance is specially designed to protect your business with a broader coverage at a competitive cost.
Section 1 - Content All Risks Cover (Basic Cover)
Maximum Limit (HK$)
Coverage
On Contents Declared Sum Insured

i. any one machinery and equipment

$100,000 per item

ii. computer systems' records

$50,000

iii. deed, document, card, tape, film or transparency

$5,000 per item

iv. work of art or curios

10% of the Sum Insured not exceeding $100,000 per year

maximum limit per item

$10,000

v. any one trade sample

$5,000 per item

vi. your or your employee's personal effects

$5,000 per employee
* Minimum premium for Section 1: HK$1,000
Free Extension under Section 1
1. Temporary Removal 10% of the Sum Insured not exceeding $10,000
maximum limit per item $5,000 per item
2. Fire Extinguishing Expenses $20,000
3. Damage to Premises following theft no sub-limit
4. Removal of Debris 10% of the Sum Insured
5. Architects' and Surveyors' fees $5,000
Section 2 - Business Interruption (Free)
Increased Cost of Working incurred in consequence of damage to property insured under Section 1 $1,000,000 with 12 months indemnity period
Free Extension under Section 2
1. Mandatory Provident Fund (MPF) Contribution $5,000 per year
2. Professional Accountants' Fees $50,000 per year
3. Denial of Access $1,000,000 per year
4. Closure due to Murder, Suicide, Food & Drink Poisoning, Vermin or Pests by competent authority $1,000,000 per year
5. Failure of Public Utilities $1,000,000 per year
Section 3 - Money (Free)
1. Loss of Money (other than crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers)

i. Money in Transit

$50,000

ii. Money on the premises during business hours

$50,000

iii. Money on the premises out of business hours in a locked safe or locked strong room

$50,000

iv. Money on the premises out of business hours in a locked drawer or locked cash register

$5,000

v. Money in bank night safes and thereafter within bank premises until at banks' risk

$50,000
2. Loss of crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers $500,000
3. Loss of or damage to Safes and Cash Register caused by theft or attempted theft $25,000
Section 4 - Fidelity Guarantee (Free)
Loss of Money due to acts of fraud or dishonesty committed by employee $20,000 per year
Section 5 - Personal Assault
Cover accident death or permanent total disablement of you or your employees as a result of fire, explosion, theft or attempted theft at the premises

i. Death within 12 months of the bodily injury

$100,000 per person

ii. Loss of one or more limbs

$100,000 per person

iii. Loss of sight of one or both eyes within 12 months of the bodily injury

$100,000 per person
Section 6 - Public Liability (Free)
Insure against legal liability for third party bodily injury or property damage $10,000,000 per occurrence
Free Extension under Section 6
1. Overseas Visits no sub-limit
2. Tenant Liability no sub-limit
3. Social and Sports no sub-limit
4. First Aid no sub-limit
5. Food and Drinks Supplied $2,000,000 per year
Section 7 - Employees' Compensation (Optional Cover)
Insure against employer's liability to employees under the EC Ordinance and Common Law $100,000,000 or up to the statutory limit per event
* Minimum premium for Section 7: HK$1,000 + 10.8% ECI Levy
Free Extension under Section 7
1. Employees Inter-Sports Social and Welfare Activities
2. Business Trip
3. Extraordinary Weather Conditions

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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okio Marine's Business Package Insurance is specially designed to protect your business with a broader coverage at a competitive cost.
Section 1 - Content All Risks Cover (Basic Cover)
Maximum Limit (HK$)
Coverage
1. On Contents Declared Sum Insured

i. any one machinery and equipment

$100,000 per item

ii. computer systems' records

$50,000

iii. deed, document, card, tape, film or transparency

$5,000 per item

iv. shop-front fixtures consisting of roller shutter door, door, fixed glass panel, neon sign or signboard

$20,000 per year

v. work of art or curios

10% of the Sum Insured not exceeding $100,000 per year

maximum limit per item

$10,000

vi. your or your employee's personal effects

$5,000 per employee
2. On Stocks in Trade Declared Sum Insured
maximum limit per item $5,000 per item
* Minimum premium for Section 1: HK$1,000
Free Extension under Section 1
1. Seasonal Increase to Stocks (automatic increase from November to February) 120% of the Sum Insured
2. Stock in Transit 10% of the Sum Insured not exceeding $50,000 per year
3. Temporary Removal 10% of the Sum Insured not exceeding $10,000
maximum limit per item $5,000 per item
4. Fire Extinguishing Expenses $20,000 per year
5. Damage to Premises following theft no sub-limit
6. Removal of Debris 10% of the Sum Insured
7. Architects' and Surveyors' fees $5,000
Section 2 - Business Interruption (Free)
Increased Cost of Working incurred in consequence of damage to property insured under Section 1 $1,000,000 with 12 months indemnity period
Free Extension under Section 2
1. Mandatory Provident Fund (MPF) Contribution $5,000 per year
2. Professional Accountants' Fees $50,000 per year
3. Denial of Access $1,000,000 per year
4. Closure due to Murder, Suicide, Food & Drink Poisoning, Vermin or Pests by competent authority $1,000,000 per year
5. Failure of Public Utilities $1,000,000 per year
Section 3 - Money (Free)
1. Loss of Money (other than crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers)

i. Money in Transit

$50,000

ii. Money on the premises during business hours

$50,000

iii. Money on the premises out of business hours in a locked safe or locked strong room

$50,000

iv. Money on the premises out of business hours in a locked drawer or locked cash register

$5,000

v. Money in bank night safes and thereafter within bank premises until at banks' risk

$50,000
2. Loss of crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers $500,000
3. Loss of or damage to Safes and Cash Register caused by theft or attempted theft $25,000
Free Extension under Section 3
1. Automatic Increase in Sum Insured on Weekend and Public Holiday 120% of the Sum Insured
Section 4 - Fidelity Guarantee (Free)
Loss of Money due to acts of fraud or dishonesty committed by employee $20,000 per year
Section 5 - Personal Assault
Cover accident death or permanent total disablement of you or your employees as a result of fire, explosion, theft or attempted theft at the premises

i. Death within 12 months of the bodily injury

$100,000 per person

ii. Loss of one or more limbs

$100,000 per person

iii. Loss of sight of one or both eyes within 12 months of the bodily injury

$100,000 per person
Section 6 - Public Liability (Free)
Insure against legal liability for third party bodily injury or property damage $10,000,000 per occurrence
Free Extension under Section 6
1. Overseas Visits no sub-limit
2. Tenant Liability no sub-limit
3. Social and Sports no sub-limit
4. First Aid no sub-limit
5. Food and Drinks Supplied $2,000,000 per year
Section 7 - Employees' Compensation (Optional Cover)
Insure against employer's liability to employees under the EC Ordinance and Common Law $100,000,000 or up to the statutory limit per event
* Minimum premium for Section 7: HK$1,000 + 10.8% ECI Levy
Free Extension under Section 7
1. Employees Inter-Sports Social and Welfare Activities
2. Business Trip
3. Extraordinary Weather Conditions

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Tokio Marine's Group Personal Accident Insurance provides cover for insured who suffers bodily injury resulting in death or permanent disablement and medical expenses. The features and benefits are summarized as follows:

Coverage
Coverage
1. Death

Pay up to the Sum Insured in respect of death of any Insured Person as a direct result of an accident during the period of insurance.

2. Permanent Disablement

Pay up to the amount stated in the Scale of Benefits if any Insured Person is injured during the period of insurance and within 12 months of its happening the injury is the sole cause of the disablement.

3. Temporary Total Disablement

Pay the weekly benefit if any Insured Person suffers injury during the period of insurance which results in the Insured Person being totally unable to attend his occupation as stated in the Schedule. (subject to underwriting)

4.

Medical Expenses
(Registered Medical Practitioner only)

Pay up to the Sum Insured the actual medical expenses necessarily and reasonably incurred for medical treatment within 104 weeks of its happening if any Insured Person suffers injury during the period of insurance and provided such treatment is received from a legally qualified and registered medical practitioner.

Additional benefits
Additional benefits
1. Gas Poisoning or Suffocation
Either of the following events is deemed to be an accident and cover will be provided for such events:
  1. death or any injury due to gas poisoning as result of accidental and sudden release of gas, or
  2. death or any injury due to suffocation in consequence of a fire in a confined area
2.

Clothing and Personal Effects Damage Compensation
(applicable when the Insured Person has taken out Medical Expenses cover)

We will pay to the Insured Person who sustains injury and damage to the clothing as well as personal effects at the same accident (but only to the extent that they are not recoverable from any other source) to an amount not exceeding HK$2,500 in respect of any one event provided that Medical Expenses is also payable.

3.

Bonesetter Treatment Expenses
(applicable when the Insured Person has taken out Medical Expenses cover for HK$10,000 or more)

We will pay the bonesetter treatment expenses necessarily and reasonably incurred and supported by receipts from a licensed or registered bonesetter for an amount not exceeding HK$1,500 in annual aggregate. We shall not be liable for more than HK$150 per consultation which cannot be more than one visit per day.

4. Funeral and Cremation Expenses

We will pay the funeral and cremation expenses necessarily and reasonably incurred and supported by receipted accounts from a recognized undertaker/transporter within Hong Kong (but only to the extent that they are not recoverable from any other source) to an amount not exceeding HK$25,000 in respect of the death of the Insured Person for whom compensation is payable.

Major Exclusions
  • Sickness, self-inflicted injuries, pregnancy or childbirth
  • Engaging in parachuting, hang gliding, steeplechasing, ski-jumping, ice hockey, potholing, underwater activities requiring the use of compressed air or gas, mountaineering or rock climbing requiring the use of guides or ropes, professional sports, aviation except as a fare-paying passenger
  • Engaging in service or duty with the Police or Fire Services or armed force
  • War, nuclear fission or fusion and radioactive contamination, terrorist attacks by chemical and/or biological substances
  • For details, please refer to the Policy
Note
  • Age Limit - This insurance shall not apply to any Insured Person who is aged over 70 or during the currency of cover attains the age of 70.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Tokio Marine's Interior Decoration Package is specially designed to protect you against the loss of or damage to the contract works of decoration, maintenance, and renovation at your shop and office. This insurance also covers you against legal liability in respect of third party bodily injury and/or property damage arising out of the contract works.

Features
  • Cover contract value up to HK$600,000
  • Public Liability to Third Party Limit up to HK$30,000,000
  • Policy period is maximum for 3 months plus 3 months of free maintenance period protection
    Cover any loss of or damage to the contract works during the maintenance period subject to a maximum of 3 months after completion of original works or the expiry date of the construction period whichever is the earlier.
  • Scaffolding works (not applicable to Employees' Compensation Section)
    By paying additional premium, the contract with scaffolding works, such as replacement of window or exterior piping subject to maximum 15% of total contract value, will be included. Works related to neon sign, exterior signboard, cage or cladding will not be covered.
  • Cover provided for building age up to 40 years
  • Free Extensions provided (for details please refer to the Extension summary)
Section 1 - Material Damage
Coverage

Provide "All Risks" cover for loss of or damage to your contract works or material caused by fire, water, burglary or explosion etc. during the working period. Items include flooring, tiles, wallpaper, woodenware, sanitary ware and other related decoration materials.

Free Extensions
1.

Removal of Debris

Extend to cover cost and expenses necessarily incurred by you with our consent in
  1. removing debris,
  2. dismantling and/or demolishing,
  3. shoring up or propping of the portion or portions of the property insured of this Section destroyed or damaged by fire or by any other peril hereby insured against.
Subject to a maximum 5% of total contract value
2.

Temporary Removal

Cover any loss of or damage to properties while in the course of removal by professional removers from temporary resident to the premises after completion of decoration and/or renovation.

Subject to maximum indemnity of HK$10,000, subject to excess of HK$2,000 for each and every loss.

Section 2 – Liability to Third Party
Indemnify you in respect of all sums which you shall become legally liable to pay for
  • accidental death, bodily injury, illness or disease suffered by any person arising out of the performance of the insured contract.
  • accidental loss or damage to physical property arising out of the performance of the insured contract.

Free Extensions

1.

Employer's Property Damage

Indemnify the insured contractor's liability against loss of or damage to the property belonging to the employer in the care or control of an insured contractor for execution of the contract.

Subject to maximum indemnity HK$1,000,000 for building and HK$100,000 for others.

2.

Vibration Cover

Cover the legal liability in respect of third party property damage arising out of vibration or removal or weakening of support of building during contract work.

Subject to a maximum indemnity of HK$2,000,000 in aggregate.

Section 3 – Employees' Compensation Insurance - Applicable to contract without scaffolding works only (Optional)

Indemnify you 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 you 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.

Premium Table
1.CONTRACT WITHOUT SCAFFOLDING WORKS
Section I –
Total contract value not exceeding
Plan A
HK$150,000
Plan B
HK$300,000
Plan C
HK$450,000
Plan D
HK$600,000
Section II –
Liability to Third Party
Section
I & II
Section
II only
Section
I & II
Section
II only
Section
I & II
Section
II only
Section
I & II
Section
II only
HK$ HK$ HK$ HK$ HK$ HK$ HK$ HK$
1.1 HK$5,000,000 1,200 1,000 1,500 1,250 1,900 1,500 2,400 1,750
1.2 HK$10,000,000 1,750 1,300 2,100 1,600 2,700 1,950 3,350 2,350
1.3 HK$15,000,000 2,000 1,600 2,550 1,900 3,250 2,250 3,900 2,700
1.4 HK$20,000,000 2,500 2,000 3,000 2,400 3,600 2,800 4,200 3,200
1.5 HK$30,000,000 4,000 3,500 4,250 3,650 4,500 3,750 5,000 4,000
2.CONTRACT WITH SCAFFOLDING WORKS BUT NOT EXCEEDING 15% OF TOTAL CONTRACT VALUE
Section I –
Total contract value not exceeding
Plan A
HK$150,000
Plan B
HK$300,000
Plan C
HK$450,000
Plan D
HK$600,000
Section II –
Liability to Third Party
Section
I & II
Section
II only
Section
I & II
Section
II only
Section
I & II
Section
II only
Section
I & II
Section
II only
HK$ HK$ HK$ HK$ HK$ HK$ HK$ HK$
2.1 HK$5,000,000 1,500 1,250 2,000 1,550 2,500 1,875 3,000 2,175
2.2 HK$10,000,000 2,150 1,625 2,800 2,000 3,500 2,475 4,175 2,925
2.3 HK$15,000,000 2,500 2,000 3,175 2,375 4,050 2,800 4,875 3,375
2.4 HK$20,000,000 3,200 2,750 3,750 3,000 4,500 3,500 5,250 4,000
2.5 HK$30,000,000 5,000 4,250 5,250 4,400 5,500 4,600 6,000 5,000
3.EMPLOYEES COMPENSATION INSURANCE – APPLICABLE TO CONTRACT WITHOUT SCAFFOLDING WORKS ONLY (OPTIONAL)
HK$ HK$ HK$ HK$
Contract without scaffolding works
(ECI levy not yet included)
1,500 2,100 3,150 4,200
Important Notes
  • Building age not exceeding 40 years
  • Any longer period of cover required is subject to additional premium and prior acceptance
  • Policy effective date must be confirmed by us before the commencement of policy
  • No refund of premium once policy is effected
  • Policy Period is maximum for 3 months plus 3 months of maintenance period
Major Exclusions
  • Any fault, defect, error or omission in or failure of any design plan or specification
  • Any defect in material or workmanship except resulting from an accident
  • Loss of use, liquidated damages, penalties, performance guarantees or other consequential losses
  • Loss or damage due to wear and tear, rust, mildew or other deterioration due to gradually operating cause
  • Liability arising out of or in connection with installation and/or demolishing of scaffolding works
  • Section 3: Employees' Compensation Insurance is subject to clause W32 which does not indemnify the Insured in respect of any claim arising out of or in connection with works at height exceeding 9 metres above ground or floor level
Excess
Section 1 - Material Damage
In respect of each and every claim
Plan AHK$5,000
Plan BHK$10,000
Plan CHK$15,000
Plan DHK$20,000
Section 2 - Liability to Third Party
In respect of each and every occurrence of loss of or damage to third party property we shall not be liable for the first:
Applicable to Limit of liability from HK$5,000,000 to HK$15,000,000
i. For building aged below 36 (from policy inception)
  • HK$10,000 in respect of employer's property.
  • HK$10,000 or 15% of loss whichever is the greater in respect of water damage to third party property.
  • HK$20,000 or 20% of loss whichever is the greater in respect of Vibration or Removal or Weakening of Support.
  • HK$10,000 in respect of third party property damage.
ii. For building aged from 36 – 40 (from policy inception)
  • HK$20,000 in respect of employer's property.
  • HK$20,000 or 20% of loss whichever is the greater in respect of water damage to third party property.
  • HK$20,000 or 20% of loss whichever is the greater in respect of Vibration or Removal or Weakening of Support.
  • HK$20,000 in respect of third party property damage.
Applicable to Limit of liability HK$20,000,000
  • HK$25,000 in respect of employer's property.
  • HK$25,000 or 20% of loss whichever is the greater in respect of water damage to third party property.
  • HK$25,000 or 20% of loss whichever is the greater in respect of Vibration or Removal or Weakening of Support.
  • HK$25,000 in respect of third party property damage.
Applicable to Limit of liability HK$30,000,000
  • HK$30,000 in respect of employer's property.
  • HK$30,000 or 20% of loss whichever is the greater in respect of water damage to third party property.
  • HK$30,000 or 20% of loss whichever is the greater in respect of Vibration or Removal or Weakening of Support.
  • HK$30,000 in respect of third party property damage.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Other products provided by Tokio Marine

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.

claim details

underwriting details

comparison details

Tokio Marine's Private motor insurance provides options of:

Comprehensive Cover

  • Loss of or damage to your motor car and/or its accessories or spare parts
  • Legal liability for causing third party's death or bodily injury
  • Legal liability for causing third party's property damage

Third Party Cover

  • Legal liability for causing third party's death or bodily injury
  • Legal liability for causing third party's property damage

Betterment waiver

Tokio Marine also offers the option to not have depreciation of parts taken in to account if you have an accident..

There is a higher premium to pay, but the advantage is that your car can be repaired using new parts and you will not have to accept a repair offer that would othjerwise only pay the part's second hand value. (As is the practice in Hong Kong)

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Tokio Marine's Home Insurance is specially designed to protect your home with a comprehensive coverage at a competitive cost plus various extra benefits and 24-hour hotline assistance services.
Section 1 - Home Contents (Basic Section)
Maximum Limit (HK$)
Coverage
1. "All Risks" cover including loss or damage caused by fire, burglary, typhoon, earthquake, flood, bursting of water pipes and many other mishaps Ranging from $500,000 to $1,500,000

i. Valuables

$150,000 ($15,000 per item)

ii. Other items

$100,000 per item
Excess

i. Loss or damage caused by seepage of water due to typhoon, windstorm or rain, when tropical cyclone warning signal no.3 or above have been hoisted or amber or above rainstorm warning signal has been issued, subject to:

  • the first $3,000 of any loss or damage for Building that is less than or equal to 25 years old
  • the first $5,000 of any loss or damage for Building that is more than 25 years old

ii. Each and every other loss

$200
Free Additional Benefits
1. Alternative accommodation $50,000 per year
($1,500 per day)
2. Personal accident benefits $200,000 per year
($50,000 per person)
3. Burglary injury cash allowance $20,000 per year
($5,000 per person)
4. Money and unauthorized use of credit cards $3,000 per year
5. Replacement of locks and keys $2,500 per year
6. Removal of debris $25,000 per year
7. Temporary removal $50,000 per year
8. Household removal
Subject to Excess HK$1,000 for each and every loss
$250,000 per year
9. Frozen food and drinks $5,000 per year
10. Domestic helper's property $10,000 per year
($2,500 per item)
11. Personal effects in workplace $5,000 per year
12. 24-Hour Home Assistance Hotline Service
You can access to our 24-hour hotline at (Hong Kong) 2862-0117 to obtain Home Assistance Referral Service.
(Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)
Section 2 - Worldwide Personal Liability (FREE with Basic Section)

Home Insurance provides protection for you and your family members against legal liability towards third parties for their bodily injury or property damage caused by you or your family members' negligence.

We will also cover

  • your resident domestic helper(s) in the course of employment with you at your home
  • Property Owner's Liability in common area

Excess : Nil

$5,000,000 per event and unlimited for any one period of insurance
Optional Cover
1. Buildings Up to rebuilding cost
"All Risks" cover on walls, ceilings, windows and other domestic structure of your home
2. Worldwide Personal Effects
Provide worldwide protection for your valuables and personal effects against "All Risks" of accidental loss or damage
  • Unspecified item
$5,000 or 25% of Sum insured whichever is the lesser for each item (Excess: $200 for each and every loss)
  • Specified item
Rate and excess subject to underwriting
3. Domestic Helper
Protect you against liabilities as employer under the Employees' Compensation Ordinance for bodily injury or disease sustained by your domestic helper arising out of and in the course of his/her employment with you.
Major Exclusions
  • Loss of or damage to contact lenses, portable phones and pagers
  • Theft in your home should any part be let
  • Loss of or damage to equipment used in connection with business or employment
Premium Table for Annual Cover
HOME CONTENT SUM INSURED AND PREMIUM TABLE
Gross Floor Area of Your Home (in square feet) Home Content Sum Insured Section 1 Section 3 Section 4 Section 5
Home Content Building (Optional) Worldwide Personal Effects (Optional) Domestic Helper (Optional)
HK$ HK$ % HK$
Less than or equal to $500,000 $530 Premium rate
& excess are
subject to
underwriting
1% $150 include levy
501 - 700 $750,000 $680 1% $150 include levy
701 - 1,000 $1,000,000 $980 1% $150 include levy
1,001 - 1,500 $1,000,000 $1,580 1% $150 include levy
1,501 - 2,000 * $1,500,000 $1,980 1% $150 include levy
* Subject to negotiation for flat/apartment or house with a gross floor area that exceeds 2,000 square feet.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Tokio Marine's Home Plus Insurance is specially designed to protect your home with a comprehensive coverage at a competitive cost plus various extra benefits and 24-hour hotline assistance services.
Section 1 - Home Contents (Basic Section)
Maximum Limit (HK$)
Coverage
1. "All Risks" cover including loss or damage caused by fire, burglary, typhoon, earthquake, flood, bursting of water pipes and many other mishaps Ranging from $300,000 to $1,500,000

i. Valuables

$50,000 ($5,000 per item)

ii. Other items

$75,000 per item
Excess (each and every loss at the time of loss)

i. For Building that is less than 31 years old (Non Low-Rise House)

  • the first $2,000 for Water Damage
  • the first $500 for other loss

ii.

For Building that is aged from 31 to 40 years old or Low-Rise House

  • the first $3,000 or 5% of adjusted loss, whichever is higher, for Water Damage
  • the first $1,000 for other loss
Free Additional Benefits
1. Alternative accommodation $50,000 per year
($1,500 per day)
2. Personal accident benefits $200,000 per year
($50,000 per person)
3. Burglary injury cash allowance $20,000 per year
($5,000 per person)
4. Money and unauthorized use of credit cards $3,000 per year
5. Replacement of locks and keys $2,500 per year
6. Removal of debris $25,000 per year
7. Temporary removal $50,000 per year
8. Household removal
Subject to Excess HK$1,000 for each and every loss
$50,000 per year
9. Frozen food and drinks $5,000 per year
10. Domestic helper's property $1,500 per year
11. Personal effects in Hong Kong $1,500 per year
12. Interior Alternation or Repair According to Maximum Limit of Section 1 - Home Contents
13. 24-Hour Home Assistance Hotline Service
You can access to our 24-hour hotline at (Hong Kong) 2862-0117 to obtain Home Assistance Referral Service.
(Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)
Section 2 - Worldwide Personal Liability (FREE with Basic Section)

Home Insurance provides protection for you and your family members against legal liability towards third parties for their bodily injury or property damage caused by you or your family members' negligence.

We will also cover

  • your resident domestic helper(s) in the course of employment with you at your home
  • Property Owner's Liability in Common Area
  • Tenant’s Liability
  • Liability for Interior Works carried out by Independent Contractor, subject to
    • the contract value less than $30,000
    • the contract period not exceeding 2 months
    • the limit of indemnity during the period of insurance not exceeding $1,000,000

$7,500,000 per event and unlimited for any one period of insurance
Excess (each and every loss at the time of loss)

i. For Building that is less than 31 years old (Non Low-Rise House)

  • the first $2,000 for Water Damage to Third Party Property
  • the first $500 for other loss

ii. For Building that is aged from 31 to 40 years old or Low-Rise House

  • the first $3,000 or 5% of adjusted loss, whichever is higher, for Water Damage to Third Party Property
  • the first $1,000 for other loss
Seepage of Water – Under Section 1 (Optional Cover)
Seepage of water due to tropical cyclone warning signal no.3 or above or amber or above rainstorm warning signal has been issued, subject to a maximum limit to home content of $150,000
Excess (each and every loss at the time of loss)

i. For Building that is less than 31 years old

the first $3,000

ii. For Building that is aged from 31 to 40 years old

the first $5,000
Major Exclusions
  • Loss of or damage due to war, terrorism or nuclear risks
  • Uninsurable risks such as wear and tear, scratching, rust, corrosion
  • Loss of or damage to contact lenses, portable phones and pagers
  • Theft in your home should any part be let
  • Loss of or damage to equipment used in connection with business or employment
Premium Table for Annual Cover
HOME CONTENT SUM INSURED AND PREMIUM TABLE
Home Content
Sum Insured
Non Low-Rise House Low-Rise House # Seepage of Water
(Optional Cover)
HK$ HK$ HK$
$300,000 $680 $1,250 $200
$500,000 $950 $1,750 $200
$750,000 $1,250 $2,250 $200
$1,000,000 $1,500 $3,000 $200
$1,250,000 $1,750 N/A $200
$1,500,000 $2,000 N/A $200

# Low-Rise House – house / semi-detached house / village house of not more than 4 storeys other than roof floor

* Notice - Application is subject to underwriting if the building age over 40 years old

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Tokio Marine's Domestic Helper Insurance provides comprehensive coverage to cover your legal obligations as a caring and responsible employer. In addition, you and your domestic helper are entitled to extra benefits at no additional cost. (for overseas domestic helpers only)

The Domestic Helper Insurance provides cover for your legal liability for injury or disease suffered by your domestic helper arising out of and in the course of his/her employment. This cover is available for overseas domestic helpers who are employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115). In addition to the Employees' Compensation Insurance to the domestic helper, we also provide the following Extra Benefits: (subject to the Age Limit of 16 to 65 years old)

Extra Benefits
Extra Benefits
Limit of Liability (HK$)
Coverage
1. Clinical Expenses
Reimbursement of expenses incurred by the Domestic Helper up to
(including heart disease and cancer)

i. Clinical Treatment

$200 per visit per day

ii. Bonesetter or Physiotherapist Treatment

$100 per visit per day
$500 per 12 month period of insurance

Total maximum payable amount

$3,000 per 12 month period of insurance
2. Surgical and Hospitalization Expenses
Reimbursement of expenses incurred by the Domestic Helper up to

i. Room, Board & other miscellaneous Hospital charges

$300 per day

ii. Surgical operation

$15,000 per disability

Total maximum payable amount

$30,000 per 12 month period of insurance
3. Loss of Services Cash Allowance
Cash allowance each day commencing from the fourth (4th) day of each hospital confinement

$200 each day

$6,000 per 12 month period of insurance

4. Dental Expenses
Reimbursement of two-third of the expenses incurred up to

$1,500 per 12 month period of insurance

5. Personal Accident Benefits
Lump sum of the Capital Sum in accordance with the percentages specified in the Table of Personal Accident Benefits (for details please refer to the insurance policy)

$100,000 Capital Sum

6. Repatriation Expenses
Reimbursement of the expenses incurred up to

$20,000 per 12 month period of insurance

7. Rehiring Expenses
Reimbursement of the expenses incurred up to

$10,000 per 12 month period of insurance

8. Loan Protection
Reimbursement of uncollectible loan to the Domestic Helper, limit up to

$5,000 per 12 month period of insurance

9. Fidelity Guarantee

i. Reimbursement of the loss resulting from fraud or dishonest act committed by the Domestic Helper, limit up to

$5,000 per 12 month period of insurance

ii. sub-limit for unauthorized telephone calls

$1,000 per 12 month period of insurance
Premium Table
PREMIUM TABLE (INCLUSIVE OF ECI LEVY)
No. of Foreign Domestic Helper/Gardener 1 Year Policy 2 Years Policy
HK$ HK$
One 650 1,170
Two or more (Each) 580 1,048
No. of Foreign Domestic Driver 1 Year Policy 2 Years Policy
HK$ HK$
One 1,150 2,074
Two or more (Each) 1,046 1,850

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Tokio Marine's Pleasure Craft policy covers loss or damage to vessel due to theft, malicious damage, latent defect, repairer's negligence, third party liability, fire, heavy weather, lightning, piracy


We also provide optional extensions as follows:
  • Yacht Racing
  • Water Skiing
Hull and Machinery including Third Party Liability
as per current Legislative minimum requirement
Minimum Limit (HK$)
Loss of or damage to the vessel Sum Insured
Legal liability for causing third party's death, bodily injury, property damage $5M any one event
Third Party Liability as per current Legislative minimum Minimum Limit (HK$)
Legal liability for causing third party's death, bodily injury, property damage $5M any one event

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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Email: crew@navigator-insurance.com
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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