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 Office Protector Insurance
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Liberty's Office Protector is a simple all-in-one insurance
solution exclusively designed for office. This insurance solution offers protection for
your office contents, business interruption, money, personal assault, and public liability.
In addition, you can also get employee's compensation insurance for your staff as an optional
coverage.
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Basic Cover
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1. OFFICE CONTENTS ALL RISK PROTECTION
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This section offers "All risk" protection to the Office Contents
of your business, including landlord's fixtures and fittings for which you are responsible,
tenant's improvements, trade samples and stock, furniture, office equipment, employees'
personal effects, etc.
Within the sum insured selected by you, the Company provides insurance cover subject to
the following limits for any one occurrence.
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#
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Item
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Maximum Limit
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1
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Machinery or equipment
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HK$200,000 per item
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2
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Trade samples & stock
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HK$15,000 per item/set/pair
(Total payable under this policy shall not exceed HK$2,000,000 or 65% of the Sum Insured
against this Section whichever is the lesser.)
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3
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Deed, document, card, tape file or transparency
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HK$5,000 per item
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4
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Personal effects of employees
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HK$5,000 per employee & HK$10,000 per occurrence
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5
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Contents temporarily removed from premises
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15% Sum Insured per occurrence
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6
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Removal of debris from the business premises following loss of or damage to the contents
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HK$50,000 or 10% Sum Insured per occurrence whichever is lower
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7
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Breakage of glass door or windows
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HK$50,000 or 10% Sum Insured per occurrence whichever is lesser
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8
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Computer system and electronic data
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HK$10,000 per item & HK$100,000 per occurrence
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9
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Cost of extinguishing fire
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HK$50,000 per occurrence
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10
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Damage to premises caused by theft or attempted theft
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10% Sum Insured per occurrence
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11
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Stock and contents held in trust
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HK$100,000 per occurrence & HK$15,000 per item/set/pair
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Deductibles:
i) 10% of each and every loss due to water damage, subject to a minimum of HK$1,000.
ii) The first HK$1,000 of each and every other loss.
2. INCREASED COST OF WORKING
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This section gives you protection for additional cost
of carrying on your business after a loss payable under 'Office Contents All Risks'
cover for a period up to 12 months. The sum insured automatically provided is HK$500,000.
This section also provides the following special extensions at no extra costs:
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Item
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Maximum Limit
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1
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Accountants' fees -necessarily and reasonably incurred for producing information required
by Liberty.
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HK$50,000/occurrence
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2
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Denial of access to or use of your office for a continuous period of more than 48 hours
in consequences of the loss of or damage to the neighboring property caused by any peril
insured under Section I.
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HK$50,000/occurrence
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3
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Failure of public utilities for a continuous period of more than 48 hours.
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HK$50,000/occurrence
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3. MONEY AND ASSAULT
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This section gives you protection against loss of cash,
checks, postal or money order, stored-value cards and postage stamps, and provides
compensation for injury sustained by any employee as a result of actual or attempted
robbery or hold up.
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Maximum Limit per occurrence
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a)
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Loss of money
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i) in transit during Office Hours
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HK$50,000
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ii) at Business Premises during Office Hours
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HK$50,000
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iii) at Business Premises out of Business Hours in a locked safe or strongroom
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HK$50,000
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iv) at Business Premises out of Business Hours not in a locked safe or strongroom
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HK$5,000
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v) in transit to and from and whilst at the residence of an authorized employee
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HK$2,500
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b)
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Loss of crossed checks, crossed postal orders, crossed money orders, crossed bankers drafts
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HK$500,000
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c)
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Damage to safes caused by theft
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HK$35,000
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d)
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Personal assault*
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i) Death
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HK$100,000/person
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ii) Permanent and Total Disablement
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HK$100,000/person
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iii) Loss of both limbs
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HK$100,000/person
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iv) Loss of sight of both eyes
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HK$100,000/person
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v) Loss of 1 limb and sight of 1 eye
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HK$100,000/person
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vi) Loss of 1 limb or sight of 1 eye
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HK$50,000/person
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* The total limit should not exceed HK$1,000,000.
4. PUBLIC LIABILITY
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This section covers your legal liability in respect of
compensation for third party bodily injury and/or property damage arising in connection
with the business operation. The limit of liability provided is HK$10,000,000.
a) Free cover extensions:
ii) Food &/or drinks poisoning
v) Welfare, social and sports club
Deductibles:
i) 10% of each and every property loss due to water damage, subject to a minimum of HK$1,000.
ii) The first HK$1,000 of each and every other property loss.
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Optional Cover
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1. EMPLOYEE'S COMPENSATION
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This section covers employers' liability to employees in
accordance with the Employees' Compensation Ordinance and Common Law, for injuries or
death arising out of employment up to HK$100 million per event.
Download proposal form
Note: This leaflet serves as a general guideline. Please refer to the Policy and Schedule
for details of cover.
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