商舖綜合保險 - 工銀亞洲

Shop Insurance
Protecting your shop
today for your peace
of mind tomorrow
The shop insurance that helps you run your shop with peace
of mind
In today’s highly competitive business environment, you need every advantage to succeed. That’s especially true when it comes to selecting the
right insurance for your business. ICBC (Asia) and AXA General Insurance proudly present the ICBC (Asia) Shop Insurance (the “Plan”) which is
specially designed for shop owners. It combines all the essential business insurances in one simple packaged policy. Covers are provided for
Shop Contents, stock, as well as employees’ compensation and legal liabilities.
All Risks on Shop Contents and Stock
Your Shop Contents including furniture, fixtures and fittings, decorations,
machinery and equipment, and stock-in-trade for which you are
responsible are covered on “All Risks” basis.
Shop Contents
up to the limit of (HKD)
Any one item of shop machinery or equipment $100,000
Computer systems’ records per year $35,000
Any one document, card, tape file or transparency $5,000
Personal effects belonging to any $5,000
one employee in the shop
Additional Benefits
Alterations or Repairs
We will provide coverage for your Shop Contents if they are damaged
during alterations or repairs, provided the contract value does not
exceed HKD100,000.
Temporary Removal
This Plan covers loss of or damage to your Shop Contents (excluding
stock) temporarily removed from your shop for cleaning, repairing
and maintenance for not more than 3 months, up to 10% of the
Shop Contents Sum Insured per year.
Damage to Premises by Theft
Covers loss of or damage to your shop premises caused by theft or
attempted theft involving actual forcible and violent means to the
shop, up to the limit of HKD20,000 per year.
Damage to Property in the Open
Covers loss of or damage to your Shop Contents including canopy
which is left in the open caused by fire, lightning, explosion or vehicle
impact, up to a limit of 5% of Shop Contents Sum Insured.
Debris Removal
We will pay for debris removal costs after an insured loss, up to
10% of your Shop Contents Sum Insured per year.
Fire Extinguishing Expenses
Covers the replacement or refilling costs of fire extinguishers and
sprinklers following a fire or an explosion, up to a limit of HKD10,000
per year.
Architects’ and Surveyors’ Fees
We will pay the necessary fees for hiring professional architects and
surveyors for the reinstatement of your shop after an insured loss,
up to a limit of HKD5,000 per year.
Locks Replacement
This reimburses the cost of replacing damaged door locks due to
theft or burglary to your shop, up to a limit of HKD2,000 per year.
Roller Shutters and Gate
We will pay for accidental damage to roller shutters and gate, up to
a limit of HKD20,000 per year.
Stock (if insured in this policy) up to the limit of (HKD)
Any one item of trade samples $35,000
Any one item of stock-in-trade $35,000
Any one item of stock-in-trust $35,000
Additional Benefits
Stock in Transit
Covers loss of or damage to your stock whilst in transit between
your premises and anywhere in Hong Kong, up to HKD50,000 per
year.
Seasonal Increase
Your Sum Insured on stock will be automatically increased by 20%
during the peak sales season from November to March with no
additional charge.
Note: Excess for each and every loss is HKD1,000.
Loss due to water damage subject to a minimum excess of HKD3,000 or 10% of the loss.
Business Interruption (Free)
This Plan indemnifies you up to HKD500,000 for additional expenditure
you may incur after an insured loss to the Shop Contents and interruption
of your business for more than 48 consecutive hours in order to avoid or
minimise interruption to your business, for a period up to 12 months
from the date of the damage.
Additional Benefits
Denial of Access
Covers you in the event that your shop is affected as a result of
denial of access for more than 48 consecutive hours due to damage
to neighbouring property, up to a limit of HKD500,000 per year.
Professional Accountants’ Fees
Your accountants’ charges for the purpose of claims verification
required by the insurer are also covered up to a limit of HKD50,000
per year.
Optional Cover
Loss of Gross Profit, Gross Revenue and/or Wages
This Plan provides optional protection on loss of gross profit,
gross revenue and/or wages resulting from business interruption.
Note: Time Excess - 48 Hours.
Loss of Money (Free)
Reimburses loss of cash, bank notes, cheques, money orders and
postal orders up to the following limits per year (HKD):
Crossed cheques and other non-negotiable items $300,000
Inside the premises during business hours $30,000
In transit in Hong Kong in the custody of you $30,000
or your authorized employees
In a bank night safe $30,000
Inside the premises after business hours $20,000
and in locked safe or strongroom
Inside the premises after business hours $5,000
but not in a safe or strongroom

Additional Benefits
Sundays and Public Holidays
This Plan provides you extra protection on Sundays and Hong Kong
public holidays (including the following day) when you are likely to
have larger amount of money in the shop. As such, the limit will be
automatically increased by 20%.
Counterfeit Currency
Covers up to HKD1,000 per year for counterfeit currency.
Note : Excluding renminbi and all foreign currency.
Damage to Safe, Strongroom or Cash Register
Covers up to HKD10,000 per year for the damaged safe, strongroom
or cash register caused by theft.
Shop Assault - Personal Accident (Free)
This Plan provides compensation for accidental death or permanent total
disablement for you or your employees as a result of a robbery or
attempted theft in the premises, up to maximum limit of HKD75,000
per person. We also cover you or your employees suffer from temporary
total disablement, up to a limit of HKD25,000 per injured person.
Glass Breakage & Neon Sign (Free)
This Plan covers accidental breakage of fixed glass, neon signs, signboard
and banner, up to a limit of HKD20,000 per year. Neon signs, signboard
and banner installed should not exceed 5 meters from your shop premises
or concession.
Note: Excess for each and every loss is HKD1,000.
Public Liability (Free)
This Plan insures you against legal liability for third party bodily injury,
and/or property damage arising from your business, up to a limit of
HKD10,000,000 per year.
Additional Benefits
Signboard Liability
Overseas Visits
Tenant’s Liability
Social and Sports
Independent Contractor’s Liability
First Aid
Food &/or Drinks Poisoning
Note: Third party property damage excess for each and every loss is HKD1,000.
Loss due to water damage to third party property subject to a minimum excess of HKD3,000
or 10% of the loss.
Employees’ Compensation
(Optional Cover)
This Plan insures you as an employer under the Employees’ Compensation
Ordinance and Common Law for bodily injuries to employees arising
out of and in the course of employment, up to a limit of HKD100,000,000
per event.
Eligibility
This Plan is specially designed for retail shop owners.
“Type of Business” within our underwriting acceptance.
Note: Business such as restaurant and jewellery shop are typical examples that do not fit into
the plan.
Common Exclusions
This Plan contains some exclusions such as:
Loss or damage to portable computer / personal digital assistant
(PDA) / mobile phone / communication device
Losses due to shoplifting or mysterious disappearance
Losses due to the fraud or dishonesty of any employee
Shortage due to errors or omissions
Loss or damage due to war, terrorism and kindred risks and
government acts
Loss or damage due to pollution and contamination
Loss or damage due to IT/Cyber Risk
Note: Please refer to the policy for complete details. A specimen policy can be made available
upon request.
Shop Contents and Stock Sum Insured
We use a simple rating method for this particular Plan. All we require
from you is to declare the Sum Insured of all your Shop Contents and
stock. Claims for the loss or destruction
of contents (other than stock and
personal effects) will be settled on the
basis of replacement as new. Please
ensure the Sum Insured you declare is on
the same basis.
Premium Table
Basic Cover
Rate
0.28%
Shop Contents and Stock
Minimum Premium
HKD1,000
Business Interruption –
Additional Expenditure
Loss of Money
Shop Assault – Personal Accident
Glass Breakage & Neon Sign
Public Liability
Optional Cover
✓ Loss of Gross Profit, Gross Revenue and/or Wages
0.28%
Indemnity Period : 12 months
✓ Employees’ Compensation 0.4%
Shop Staff
Minimum Premium
HKD500
N.B.: The above indicative premium table is applicable to general risk exposures with no claim/
loss incurred for the past 3 years. The Company reserves the right to amend the premium,
terms or conditions upon the actual material facts before binding cover.
Minimum premium is HKD1,000 for Shop Contents and Stock and HKD500 for Employees’
Compensation Section.
All benefits and premium are in Hong Kong Dollars.
AXA General Insurance Hong Kong Limited (“AXA General Insurance”) assumes
full responsibility for the contents of this leaflet. The information of this leaflet is
for reference only. AXA General Insurance is the insurance underwriter of Shop
Insurance and is solely responsible for all coverage and compensation subject to
the terms and conditions of the Policy.
Industrial and Commercial Bank of China (Asia) Limited (“ICBC (Asia)”) is acting as
an insurance agent for AXA General Insurance.
Underwritten by :
AXA General Insurance Hong Kong Limited
If you do not wish to receive any promotional materials of ICBC (Asia), please inform the
Data Protection Officer at 33/F, ICBC Tower, 3 Garden Road, Central, Hong Kong in writing.
For details, please visit any of our branches
and our Customer Service Officers
will be pleased to provide you with more information.
You may also call our
Customer Service Hotline on
218 95588 or
browse our website
www.icbcasia.com
Free
SSP-B-1111T-ICBCA

$100,000
$35,000
$5,000
$5,000
10,000
5,000
2,000
48
500,000
48
500,000
50,000
100,000
10%
20,000
5%
10%
20,000
$35,000
$35,000
$35,000
50,000
20%
1,000
3,000 10%
48
$300,000
$30,000
$30,000
$30,000
$20,000
$5,000

20%
1,000
10,000
75,000
25,000
20,000
5
1,000
10,000,000
100,000,000
✓
✓
12
0.28%
1,000
0.28%
0.4%
500
3 /
/
1,000 500
3 33
1,000
3,000 10%
218 95588
www.icbcasia.com
SSP-B-1111T-ICBCA

388 1 1 36
ICBC (Asia) Insurance Department
Level 36, Tower 1, Millennium City 1,
388 Kwun Tong Rd., Kwun Tong, Kln., Hong Kong
Tel: (852) 3510 3260 Fax: (852) 2789 3058
✔ Please fill in this form in English block letters and tick the boxes where appropriate ✔
†
Mandatory fields
Shop Insurance Proposal Form
AXA General Insurance Hong Kong Limited
Proposer Details
† Full Name † Mr Ms Company
as printed on HKID/Business Registration
† Company/Correspondence Address †
† Company/Contact Tel No. †
Shop Details
Shop/Trade Name
if applicable
as printed on Business Registration
Shop Address complete if different than above address
Shop Location
Below Ground Level Ground Level Above Ground Level
Type of Business please give full details
Insurance Cover
Policy to commence on (dd/mm/yyyy) for one year.
Basic Cover
Shop Contents and Stock
Shop Contents
Stock
Others please specify
Total Sum Insured
Optional Cover
Sum Insured (HKD)
Loss of Gross Profit Loss of Gross Revenue
Wages
Sum Insured (HKD)
Indemnity Period 6 months 12 months
Employees’ Compensation If this section is selected, please fill in the employee details below.
Employee Details
No. of Total Estimated
Occupations of Employees
Employees Earnings (HKD)
Indoor Shop Staff
Salesperson, Outdoor Merchandising Staff
Hand Delivery Staff
Others please specify
Total
Declaration
Please read the following statements carefully and sign in the space provided.
I declare that
The premises/shops are solely occupied by me/my company as a shop and no processing and/or manufacturing of any kind is carried out within the shop.
The premises/shops are built of brick or concrete and roofed with concrete, and is in good state of repair.
I/My company have/has not suffered any loss in the past 3 years.
No insurer has ever cancelled, declined, refused to renew or imposed special terms or conditions on any policy held by myself or my company.
I/My company have not withheld any material information and accept that this proposal form and declaration shall be the basis of, and be incorporated in, the contract between
AXA General Insurance Hong Kong Limited and myself or my company.
I/My company declare that the information given herein is true and complete. I/My company understand that ICBC (Asia) may from time to time need to update the data in the Bank’s records.
I/My company acknowledge receipt of a circular relating to the Personal Data (Privacy) Ordinance setting out the purposes of which personal data supplied by me/my company may be used by ICBC (Asia),
the circumstances in which such data may be disclosed to third parties and my/my company’s rights in respect of such data. I/My company understand I/my company can obtain extra copies of the circular
from ICBC (Asia) at any time.
Proposer’s Signature (with Company chop if applicable)
Do not sign a blank form
Important Notes to Proposer
1
Payment must accompany this proposal.
2
Any other facts known to you which are likely to affect acceptance or assessment of the insurance cover you are requesting must be
disclosed. Should you have any doubt about what you should disclose, do not hesitate to ask AXA General Insurance Hong Kong Limited
or ICBC (Asia). We recommend you keep a record (including copies of letter) for your future reference of any additional information
given. Providing correct answers and making sure we are informed is for your own protection, as failure to disclose such information
may mean that your policy will not provide you with the cover you require and may even invalidate the policy altogether. We reserve
our right to accept or reject your application.
3
The liability of AXA General Insurance Hong Kong Limited does not commence until this proposal has been accepted by
AXA General Insurance Hong Kong Limited and the premium paid.
4 , /
The information you provide may be disclosed to and used by AXA General Insurance Hong Kong Limited for insurance, claim and/or
investigation related purposes.
5
3 33
If you do not wish to receive any promotional materials of ICBC (Asia), please inform the Data Protection Officer at 33/F, ICBC Tower,
3 Garden Road, Central, Hong Kong in writing.
Date
(dd/mm/yyyy)
For Bank Use Only
CI No.
Branch / Department Code:
Staff Name
SSP-P-1111T-ICBCA