NGO Insurance
Your mission changes lives — but unexpected incidents can derail your impact. Let LSC safeguard your work, so you can focus on creating change.
- 10% off for new customers
- 40+ years of tailored solutions
- 30+ insurance providers compared
- Section 88 & HK ECO compliant
Core policies that protect your operations
These core policies protect your NGO from critical risks that could jeopardize operations, finances, or legal compliance.
General Liability Insurance
Protects your NGO against third-party claims of bodily injury, property damage or personal injury during operations. Covers legal fees, settlements and medical costs.
Employees' Compensation (EC)
Legally required in Hong Kong for all employers. Covers medical, disability and lost wages for staff injured at work, including occupational diseases.
Group Personal Accident (PA)
Financial support for staff and volunteers — accidental injury, disability, death and medical expenses (24/7 on or off duty).
Property All Risks
Comprehensive cover for office space, equipment and inventory against fire, theft, vandalism and natural perils such as typhoons.
Group Medical
Optional health cover for employees — faster private hospital access, specialists and outpatient — boosts welfare and retention.
Event Insurance
Protects against liabilities and financial loss from accidents, cancellation or property damage during NGO events.
Additional safeguards for specialised risks
Professional Indemnity
Safeguards against negligence claims arising from professional services or advice — legal defence and compensation.
Directors & Officers (D&O)
Protects board members and senior staff from personal liability for decisions made in their official capacity.
Product Liability
Critical for NGOs manufacturing, selling or distributing products — covers harm or property damage caused by your product.
Cyber Insurance
Mitigates risks from cyberattacks, data breaches and IT failures — vital for NGOs holding donor or beneficiary data.
Comprehensive protection, unmatched advocacy
Our edge
30+ insurance partners and 40+ years experience — deep relationships translate into bargaining power and cost-optimised coverage.
Claims management
Rapid response, stress-free process and expert handling. We manage communications with insurers and follow up adjusters on your behalf.
Solution
Risk assessment, professional advice and market analysis — targeting a 15% reduction versus your existing premium.
Steps to buying NGO insurance
Inventory your risks
Do you work with children? Travel overseas? Sell or distribute products? Knowing your risks tells you which cover you need.
Contact an adviser
We compare policies across 30+ insurers and tailor advice to your NGO's unique needs — no obligation.
Provide NGO details
Share employee numbers, wage estimates, inventory value and other key info so we can obtain competitive quotations.
Set up the policy
Submit the proposal form, MPF records, business registration or Section 88 docs — we'll handle the rest.
10% off NGO insurance for new customers
Get an instant quote on WhatsApp. We compare 30+ HK insurers and recommend the best package for your organisation.
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