XN Financial

XN crafts insurance products that protect thousands of members and families worldwide. With our broker-partners, we are constantly striving to develop risk-management solutions that better respond to the needs of expatriates, companies with international operations and high-net worth individuals.

XN is backed by A-rated carriers that are known worldwide, including Lloyd's of London, our privileged partner. We have the flexibility to provide coverage in over 170 countries, making us the ideal provider for those who want to work and live abroad with the security they enjoy at home.

XN is part of the Henner Group, a global leader in the insurance industry. We are now one of the world’s largest companies specializing in expatriate insurance, administrative platforms for healthcare products and property and casualty solutions.

XN Global Moving Insurance provides comprehensive worldwide coverage for belongings at every stage of the move, from packing to unpacking.

XN Global Moving Insurance is comprehensive and covers most physical damage including breakage, disappearance, loss, theft and water damage.

This global policy has no territorial restrictions and is completely inclusive, extending to most personal effects, furniture and valuables, with few exceptions. It takes effect when the goods are packed or removed by the carrier and continues until the goods are received. It applies to both transportation and storage exposures during transit and applies regardless of the carrier's transportation means.

XN Global Moving Insurance provides the following features:

  • All risk coverage - subject to policy terms and conditions;
  • Coverage takes effect the moment the goods are packed and ends only when the goods are received;
  • Coverage is worldwide;
  • Goods are covered at replacement cost;
  • Damage to personal property valued at $5,000 or more is indemnified on the basis of replacement cost with no deduction for depreciation, providing that these items are specifically declared prior to shipment. A pre-removal inspection may be required;
  • A comprehensive policy, covering a variety of physical damage claims such as breakage, disappearance, theft and water damage;
  • Electronic equipment are covered on a replacement basis if equipment is less than five years old;
  • Coverage applies to transit and storage exposures;
  • Coverage applies regardless of the means of transportation chosen by the carrier.

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XN Global Personal Goods & Liability Insurance is a package product developed to respond to the needs of transferees anywhere in the world. It provides gap free property and liability insurance coverage with excellent client services during a foreign assignment.

Personal Property

  • Coverage is "All-Risk" including theft and mysterious disappearance;
  • All property is insured at "Full Replacement Cost" with the exception of items which by their inherent nature cannot be replaced.

Valuable Articles

  • Valuable articles are covered worldwide on an "All-Risk" basis, including breakage of fragile items;
  • Valuable articles categories include jewelry, furs, cameras, silverware and even golf equipment;
  • All items are covered on an "Agreed-Value Basis", following a total loss the policy addresses the amount that the item was insured for;
  • With regards to jewelry, watches, furs, cameras and musical instruments, newly acquired items are insured during the first sixty days up to a maximum of $10,000.

Political Risk

  • Coverage insures personal property and valuable articles for the additional perils of war, insurrection, expropriation, sabotage or terrorism.

Personal Liability

  • This coverage is worldwide, including the USA, and protects assignee households against law suits resulting from unintentional bodily injury, personal injury or property damage. Defense costs are included;
  • This policy covers "Neighbors and Tenants Liability", thus providing protection against any third party damages for which assignees may be held liable;
  • Insurance coverage includes medical payments to others, with coverage against bodily injury caused unintentionally to a third party by an assignee or an assignee's family member, paying up to $25,000 per injured person;
  • For the unauthorized use of credit cards and loss caused by forgery or the acceptance of counterfeit money.

The XN Global Housing Insurance program is a package product developed to respond to the needs of the global housing industry. It provides personal content and personal premises liability coverage for the clients/guests. Coverage commence once the beneficiary has checked-registered into the apartment-room rental facility. Coverage terminates once the beneficiary has checked-out of the apartment-room rental facility.

Coverage Features

Personal Content

  • All Content is insured at "Full Replcaement Cost" with the exception of items which by their inherent nature cannot be replaced.
  • Personal Content insurance limits is of USD 50,000

Personal Premises Liability

This coverage is worldwide and protects clients/guests which may become legally liable to pay for property damage caused while registered in the apartment-room rental.

  • This is part of the policy you look to for protection if the clients/guests are sued for damage caused by fire, explosion, water damage, or smoke to the apartment-room rental and its contents. Defense cost included.
  • Personal premises liability is of USD 500,000

Additional Coverage

  • Bed bug remediation coverage limitation endorsement included
  • Accidental damage coverage limitation endorsement included

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
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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