Navigator Office Insurance

To insure your office, you'll typically need coverage for contents, liability, and the mandatory Employees’ Compensation insurance.

If your company owns the premises, you can add Property All Risks (more comprehensive than Fire & Perils) to cover the building.

A standard policy often includes free coverage for:

Loss of money (up to HKD30,000) from safes or during transit.
Business Interruption (up to HKD500,000) for alternate rent in case of water damage.

Premiums are usually based on:
Office contents' replacement value.
Depreciated value of portable items (e.g., laptops, phones).
Public Liability coverage (typically HKD5m–10m included).
Staff salaries and job risks (e.g., clerical, managerial, outdoor roles).

At year-end, you'll declare actual staff income to reconcile estimates, with potential refunds or additional charges. It's advised to align your first policy with the tax year for easier salary declarations going forward.

Covers property and assets inside your office like furniture, computers, equipment, inventory, etc.
Types include contents insurance, which covers damage or theft of items inside. Buildings insurance if you own the property.
Liability insurance protects against injuries of visitors or damage to other property for which you're responsible.
Business interruption coverage helps pay ongoing costs if an insured disaster stops operations temporarily.
Common risks covered are fire, flooding, explosions, storm damage, falling objects, theft, and more.
Review policy coverage limits annually to ensure assets are fully protected for replacement value.
Know your responsibilities incase of a claim like securing the premises, filing a police report for theft, etc.
Understand excesses/deductibles that you'll need to cover before the insurer pays out benefits.
Check policy exclusions for things like general wear and tear or risks from hazardous materials.
Consider add-ons like machinery breakdown, money protection or cyber liability policies for evolving risks.
Save proofs of purchase/receipts as documentation needed for assets incase contents need assessment.

Things like fire, flooding, storm damage, theft, equipment damage or loss from insured causes. Depends on policy purchased.
Details of your business, property location, assets to be covered, existing security, previous insurance claims if any and estimated annual turnover.
Things like general wear and tear, pollution/contamination risks involving hazardous materials and acts of war usually. Check policy details.
Check your policy for applicable fees or penalties. Most insurers require prior notice before cancelling outside of renewal.

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