Designed to offer wide standard coverage with optional additionals
Chubb understands that SMEs are usually more vulnerable to fluctuating economic conditions and business interruptions due to smaller cash flows. That is why we have designed Enterprise Guard Plus, a package policy that covers you against unexpected expenses in running your business.
Coverage Highlights
| Section 1 – Material Damage | Covers accidental physical loss of or damage to content and stock contained in the business premises |
| Section 2 – Business Continuity | Covers additional expenditure incurred within 12 months after an insured loss in order to restore normal conduct of business |
| Section 3 – Money | Covers the loss of cash, cheques, order and stamps due to burglary |
| Section 4 – Liability | Covers legal liability for bodily injury and/or property damage arising out of your business within the policy territory |
| Section 5 – Employee Dishonesty | Covers direct pecuniary loss due to fraud or dishonest act committed by any employee |
| Section 6 – Personal Assault | Covers bodily injury or death of an insured person resulting solely from robbery or attempted theft |
| Section 7 – Employees’ Compensation (Optional) | Covers employer’s legal liability for bodily injury to employees arising out of and in the course of employment |
| Section 8 — Privacy Liability (Optional) | Covers legal liability for Privacy Claim first made resulting from any Privacy Wrongful Act. |
Preferred Industries
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Office & Service BusinessManagement consultants, accountants and IT consultants, software designers, architects, estate and letting agents, financial or investment advisers, insurance brokers and agents, health and safety consultants and marketing companies. |
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RetailersGrocery stores and retailers of all types of goods including but not limited to pharmacies, electronics, cosmetics, fashion, clothing, liquor, toy games, home appliances and furniture. |
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Food & Beverage (F&B)Restaurants, dining places, food courts, food court stalls, coffee, desserts or ice cream shops, take away shops and canteen operations. |
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EducationPre-school education centers, tuition centers, commercial schools, children enrichment classes, music dance and ballet schools, art or fashion schools, adult education centers and language schools. |
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Medical, Vet & Dental CentersPsychiatry and general practice medical clinics, chiropractic and acupuncture services, specialist medical centers, aesthetics and cosmetic services, dental services, vet and more. |
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Health, Beauty and SpaBeauty and hair salons, spa and foot reflexology clinics, weight loss and slimming centers, manicure and pedicure parlors, makeover services and more. |
The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wording for exact terms, conditions and exclusions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong SAR. For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.
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