Office Insurance
Combined cover for assets and liability — protecting your office, equipment, money, staff and reputation under one policy.
- 10% off for new customers
- 40+ years tailoring SME cover
- 30+ insurance providers compared
- Trusted by 20,000+ HK clients
Submit your documents in the morning — get your CoI in time to meet contract, venue or licensing requirements today.
Examples of companies we insure
From trading houses and finance firms to professional consultancies — we tailor wording, sums insured and excesses to your trade.
A complete package for your workplace
Combine the modules you need. We tailor wording, sums insured and excesses to your trade — and bundle EC for one streamlined renewal.
Office contents & decoration
Covers fixtures, fittings, furniture, decoration, computers, phone systems and stock against fire, flood, theft and accidental damage. Personal items, fixed glass and documents can be added.
Money insurance
Protects cash and cheques on premises, in transit to and from the bank, and in personal custody of authorised staff.
Business interruption
Compensates lost income and additional operating expenses if the office must temporarily close after an insured event such as fire, flood or burglary.
Fidelity guarantee & personal accident
Covers financial loss from employee fraud or dishonesty, and accidental injury / death of employees during office hours.
Public / Third Party Liability
Covers third-party bodily injury or property damage arising from your office operations — including visitor accidents, slip-and-fall and accidental damage caused by staff.
Employees' Compensation (EC)
Legally required in HK. Covers medical treatment, disability benefits and lost wages for staff injured at work, including occupational illness.
Fire & allied perils
Core peril cover for fire, lightning, explosion, water damage and other allied perils — usually bundled within the office package.
10% off office insurance for new customers
Get a no-obligation quote on WhatsApp. We compare 30+ HK insurers and recommend the most cost-effective office package for your business.
Information we need to quote your office package
Send us the items below and we'll come back with a comparison from 30+ HK insurers — usually within one working day.
- Nature of business (e.g. finance, retail, engineering)
- Value of decoration / stock / machinery & equipment
- Staff roles / headcount / annual wages
- Office address and floor area
- Burglary protection installed? (e.g. CCTV, alarm)
- Last 3 years' claims history
What does it mean to buy enough EC cover?
Insurers want to see your declared headcount and wages match your actual MPF contribution records — otherwise claims can be reduced or repudiated. Here's the rule of thumb HK insurers apply when issuing or renewing an EC policy.
Headcount & wages must match MPF records
Insurers usually request the latest 3 months of MPF contribution records before issuing a new or renewal EC policy. The names, headcount and wages on the proposal should match.
Staff aged over 65 — alternative proof accepted
Employees over 65 are exempt from MPF. For these workers you can provide salary slips, tax returns (IR56) or accounting records as proof of wages.
Under-declaring is risky
If actual wages exceed the declared figure at claim time, the insurer may apply average condition — paying only the proportion that was actually insured. Worst case: the claim is rejected for material non-disclosure.
- Declare gross annual wages, not net pay
- Include bonuses, commissions, allowances and overtime
- Update mid-term when you hire or your wage bill grows
EC Warranty — what every employer should know
Insurers attach Warranties to your EC policy to control risk based on your industry. If your employees' actual work falls outside a Warranty, your policy may be voided and a claim refused.
What is a Warranty?
A specific policy clause that restricts what your employees are allowed to do. Breach a Warranty and the insurer may void the policy and refuse to pay a claim.
Always check before you bind
Review which Warranties the insurer attached and make sure none of them conflict with what your team actually does on the job.
Most common EC Warranties
For reference only — exact wording follows the policy schedule.
- W6No delivery of goods by any means
- W7No delivery other than by hand or hand-trolley
- W12Employees restricted to indoor work only
- W17No erection, repair or maintenance work
- W32No work above 30 feet (height)
- W49Excludes loading/unloading on vessels, aircraft or docks
- W51No demolition work
- W55No work outside the building
- W71Employees not employed on vessels, aircraft, docks, piers or warehouses
- W100No handling of items over 550 lbs
- W204Extension to cover sub-contractors' employees
- W338Covers the named principal's legal liability for sub-contractors' employees
- W348Covers all insured listed on schedule for legal liability to sub-contractors' employees (incl. common law)
- CSEConstruction Site Exclusion — no work within a construction site
- Named basisCover applies on a named-employee basis only
Not sure if a Warranty fits your operations? Send us your policy — we'll review it and flag any clause that may conflict with your real work.
Which workers must be covered by EC?
Hong Kong's Employees' Compensation Ordinance covers anyone with an employer–employee relationship — regardless of hours, location or contract type. Self-employed individuals and independent sub-contractors fall outside.
Must be covered
- Part-time employees
- Salaried directors / bosses (of a Limited Co.)
- Overseas employees on company assignment
- Summer interns / trainees
- Part-time domestic helpers
Not required
- Sub-contractors (with their own staff)
- Self-employed persons (no employer)
Sub-contractors should hold their own EC policy for their own staff.
I'm the boss — do I need EC for myself?
It depends on your company's legal structure. The trick: a Limited Company is a separate legal entity, so even the boss is technically its 'employee'.
The company is the employer. Both the salaried director/boss and all salaried staff are employees of the company.
- Salaried director / boss Required
- Salaried employees Required
The boss IS the business — legally self-employed, not an employee. EC is only required for the people they hire.
- Boss = self-employed Not required
- Salaried employees Required
Already insured? Why get an alternative quote from us
Renewing on auto-pilot is the easiest way to overpay or stay under-covered. A 5-minute alternative quote gives you three concrete wins.
Review your existing policy
We read your current schedule and flag warranties, sums insured or exclusions that no longer fit your operations — before they hurt a claim.
Reset to a clean-claim rate
Quotes typically only consider the last 3 years of claims history. If a past incident is older than that, you're effectively a clean risk — and that often unlocks a lower premium.
Get a commercial-line specialist
If your current agent mainly handles life or personal insurance, EC and commercial claims can fall outside their day-to-day. A commercial specialist follows up your claim end-to-end.
Office insurance — answered
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