Non-Governmental Organisation (NGO) Insurance

Tailored insurance for social impact Protect your mission

Running an NGO or social enterprise? Your mission changes lives—but are you protected when risks strike? From volunteer accidents to data breaches, unexpected incidents can derail your impact and drain precious resources.

Without the right insurance, your organisation could be on the line. Let LSC safeguard your work, so you can focus on what truly matters: creating change.

Coverage

Protecting your NGO’s mission requires comprehensive safeguards. Our tailored insurance solutions cover every critical area of risk—so you can focus on creating impact without worry.

Essentials

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 occurring during your operations. Covers legal fees, settlements, and medical costs. Learn more

Employee's compensation (EC)

Legally required in Hong Kong for all employers. Covers medical treatment, disability benefits, and lost wages for employees injured at work (including occupational diseases). Learn more

Group personal accident (PA) insurance

Provides financial support to staff and volunteers for accidental injuries (24/7 coverage, on or off duty). Includes payouts for disability, death, or medical expenses.

Property all risk insurance

Comprehensive coverage for your NGO’s physical assets—office space, equipment, and inventory—against risks like fire, theft, vandalism, and natural disasters (e.g., typhoons).

Group medical insurance.

Optional health coverage for employees, offering faster access to private hospitals, specialist care, and outpatient services. Enhances staff welfare and retention, especially given Hong Kong’s overburdened public healthcare system.

Event insurance

Protects your NGO against liabilities and financial losses from accidents, cancellations, or property damage during events. Covers third-party injuries, venue damage, weather disruptions, etc. Learn more

Extras

Additional safeguards for specialized risks and enhanced protection.

Professional indemnity insurance

Safeguards your NGO against negligence claims arising from professional services or advice. Covers legal defence costs and compensation for financial losses suffered by clients due to errors or omissions.

Directors & Officers (D&O) insurance

Protects your board members and senior staff from personal liability for decisions made in their official capacity (e.g. financial mismanagement claims). Ensures leadership stability by covering legal fees and settlements.

Product liability insurance

Critical for NGOs manufacturing, selling, or distributing products. Covers legal liabilities if your product causes harm (e.g., allergic reactions, injuries) or property damage to consumers.

Cyber insurance

Mitigates risks from cyberattacks, data breaches, or IT failures. Covers costs like forensic investigations, ransomware payments, legal claims from affected parties, and PR crisis management—vital for NGOs storing sensitive donor or beneficiary data.

Rachel Wong

Director of Strategy & Impact

Rachel is the Director of Strategy & Impact at LSC, where she designs insurance solutions that empower NGOs and social enterprises, while also providing fundraising support on the side. She brings over 10 years of experience across regional and local social impact organisations and the commercial sector, including roles at Lee Hysan Foundation, Social Ventures Hong Kong, and Bloomberg.

Rachel holds a Bachelor's degree in Global Business and Management from the Hong Kong University of Science and Technology.

Book a 15-minute consultation to discuss your impact needs (fundraising, strategy etc.)

Is NGO insurance mandatory?

While only Employees' Compensation (EC) Insurance is legally required in Hong Kong, other policies may be mandatory under contracts. Landlords often require General Liability Insurance, while partners or marketplaces (e.g., Amazon) may demand Product Liability or Professional Indemnity coverage.

Steps to buying NGO insurance

1 / Do an inventory of your risks to understand them better

Knowing where your risks are is essential so that you know which one of the above insurances to obtain. Ask yourself questions like: Do we work with children? Do we travel overseas for work? Do we sell or distribute products and can they cause material damages or injuries to third parties?

2 / Contact an insurance adviser (us!)

Once you've identified your risks and insurance needs, the next step is finding the right professional to help. In Hong Kong, you can work with either insurance agents (who represent specific insurers) or insurance brokers like us (who represent you). Unlike brokers, we compare policies across the market for optimal coverage and tailor advice to your NGO’s unique needs.

3 / Collect information about your NGO

To get a quote, insurance intermediaries will ask for various types of information such as: General information about your organization (e.g. number of employees), Specific information for the Employees’ Compensation Insurance (e.g. Estimated annual wages per type of occupation), Other key informations (e.g. Value of your inventory). With the above information, your insurance advisor will obtain insurance quotations for you and will present you with the most appropriate solution.

4 / Set up the insurance

Once you’ve settled on the insurance policies you need for your organisation, you will need to submit certain documents like: Business Proposal Form which contains the terms and conditions of the policy, MPF records for the past 3 months, Copy of the Business Registration or IR File number for Section 88 tax exempt organization, a medical questionnaire and other specific forms provided by your advisor.

Bonus: What to do in case of a claim

The procedure to declare a claim can vary depending on the type of insurance and the insurer that you selected. The best thing to do is to inform your insurance advisor immediately or have them assist you with this distressing situation.

When declaring the loss to your insurance advisor, it is important to do the following:

Take photos of the damage
Take the necessary and urgent measures to minimise the consequences of the loss
Even if you believe you may have caused an accident to a third party, DO NOT admit your fault or your liability. This is a very important point as it is natural to try and resolve a situation quickly but more often than not, there are conditions in an insurance policy that prohibit one more admitting fault with the content of the insurer
Keep your insurance advisor informed about any new developments in the situation;
Inform the Labor Department in case of a work accident

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OUR SERVICES

Where comprehensive protection meets unmatched client advocacy

30+ insurance partners & 40+ years experience

With over 40 years of experience, we've cultivated deep relationships with 30+ leading insurers—relationships that translate into real advantages for your business. Our tenure gives us unmatched insight into carrier risk appetites and strong bargaining powers, allowing us to negotiate terms that newer brokers simply can't secure. For our clients, this means coverage that's not just comprehensive, but cost-optimised by four decades of institutional knowledge.

Long-term partnership

We take the time to learn your operations intimately, offering continuous support as your needs evolve. Our clients rely on us not just as brokers, but as long-term advisors invested in their stability. We assist clients in effectively managing their policies. We provide copies of policies, update policy information, process policy change requests, and support clients in making claims.

Your advocate, not just a broker

We operate with one simple principle: we work exclusively for you, not the insurance companies. We take the time to truly understand your unique challenges and priorities. We think proactively in your shoes, anticipating risks and opportunities you may not have considered. This client-first approach means we'll challenge insurers on unfair exclusions, negotiate better terms at renewal, and always prioritise what's right for your situation.

Rapid response

When incidents occur, we prioritise swift action to help you navigate the claims process efficiently. We guide you through each step with clear instructions on documentation requirements and procedures, ensuring your claim submission is complete and accurate from the outset. Our systematic approach combines responsiveness with careful attention to policy details, ensuring your claim processes as fast as possible.

Stress-free process

From the moment you report an incident, our specialists handle all communications with insurers, guiding you through documentation requirements in clear, straightforward terms. We take pride in removing the guesswork and proactively following up with adjusters on your behalf. Our organised approach and deep knowledge of Hong Kong insurers’ processes help prevent delays and frustrations, allowing you to focus on your business while we manage the details.

Expert handling

When you face an insurance claim, you need strategic advocacy from professionals who understand the nuances of Hong Kong’s insurance landscape. Our team of licensed brokers and claims specialists brings decades of combined experience in policy interpretation, loss adjustment, and insurer negotiation. We combine rigorous delicacy with deep knowledge of local insurers’ practices, ensuring your claim receives the professional handling it deserves.

Risk assessment

At our firm, we begin every client relationship with a thorough risk assessment. Our experienced advisors analyse your operations, identifying vulnerabilities that standard insurers often overlook, going beyond generic checklists and examining industry-specific threats. Based on our findings, we provide clear, actionable recommendations to strengthen your risk management framework.

Professional advice

Our advisors take time to thoroughly understand your business operations, financial priorities and risk tolerance before recommending solutions. We cut through complex insurance jargon to clearly explain coverage terms, exclusions and pricing structures across multiple policies as well as identify optimal coverage from our network of trusted Hong Kong insurers.

Insurance market analysis and cost efficiency

We conduct ongoing analysis of market trends, coverage innovations, and insurer performance to provide clients with strategic insights. Leveraging our established relationships with local insurers, we negotiate competitive terms while maintaining comprehensive coverage - consistently achieving significant savings compared to standard market premiums. It is our goal to achieve a 15% cost reduction compared to your existing premium.

Why choose LSC?

‎	LSC (Broker) 保險經紀	Agent 保險代理	Insurer 保險公司
Works for	You (Client-focused advocacy)	The insurer they represent	Shareholders
Choice of insurer	Compare 30+ insurers	Limited to 1-4 partnered insurers	Only sells own products
Product scope	Comprehensive	Limited	Niche & Restricted
Customisation	Tailored corporate solutions	Personalised life products	Standard package
Risk advice	Proactive expertise	Basic guidance	Sales-driven
Typical client profile	Corporate, SMEs, NGOs	Individual	Solo interest in one insurer
Claim support	End-to-end advocacy (loss adjuster experience)	Limited (Relies on claims department)	Minimal, hotline experience
Cost efficiency	Negotiated rates (Strong bargaining power with insurers)	Limited price options (Less bargaining power)	Fixed pricing
Compliance help	Yes (E.g. HK ECO, Section 88)	Minimal	None
Your best choice	Yes	No	No