Business Liabilities Insurance
Every business, large or small, faces exposure to claims from customers, visitors, suppliers, or even the public. A simple slip on your premises or an error made by an employee could lead to costly legal action. Business Liability Insurance covers the legal fees, settlements, and compensation payments that arise from such incidents, keeping your operations secure and your reputation intact.
At Expat Insurance Hong Kong, we work with a broad range of industries — from retail and hospitality to professional services and manufacturing. We help companies identify their potential liabilities and secure policies that cover all aspects of their exposure, so they can focus on running their business with confidence.
Why Work With Expat Insurance?
Experience. Clarity. Commitment.
Choosing the right business liability insurance can be complex. Different insurers define liability limits and exclusions differently, and those details matter most when it’s time to make a claim. That’s why our experts walk you through every step.
We start with a detailed risk review.
We discuss your business activities, facilities and interactions to find liability exposures.
We compare and clarify policies.
We provide side-by-side comparisons from multiple insurers to find better value and coverage.
We negotiate stronger protection.
We secure higher indemnity limits, broader definitions, and lower deductibles where possible.
We stay with you long-term.
We assist with renewals, claims handling, and ongoing advice as your business grows.
Why Business Liability Insurance?
Without proper protection, one lawsuit or claim can disrupt your cash flow, damage your brand, or even shut down your business. Business Liability Insurance provides the financial safety net that allows your company to operate confidently, knowing you’re covered for the unexpected.
What Does Business Liability Insurance Include?
- Public Liability Insurance – covers injury or property damage caused to third parties
- Product Liability Insurance – protection against claims due to defective
- Employer’s Liability Coverage – for employee injury claims not covered
- Property Damage & Bodily Injury – legal expenses and compensation for accidents
- Tenant’s Liability – protection if you rent or lease office or shop space
- Worldwide Coverage – ensures your business is protected locally and internationally
Whether you’re serving clients, selling goods, or managing a workplace, this protects the company from financial losses that could arise from unforeseen accidents, negligence, or operational errors.
Possible Pitfalls We Help You Avoid
Customer injury claims: Policies may limit the cover of
third-party coverage for bodily injury and property damage protection for customers and visitors.Geographic limitations: Many policies limit the Liability coverage to the business premises only. We arrange extensions to anywhere in Hong Kong or global coverage that follows your business wherever you operate.
Contractual exclusions: Some policies exclude claims arising from contracts. We help negotiate inclusive coverage for contractual obligations and leases.
Product-related claims: Manufacturers and retailers face Liability if their product causes bodily injury or property damage. We make sure faulty or defective products are properly covered.
With Expat Insurance, your business has a partner who understands both the risks you face and the importance of fast, reliable coverage when you need it most.
Need Help? Contact Us Today.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
In Hong Kong, these scenarios happen regularly, as a sudden illness or accident can quickly strain finances. The difference between safety and vulnerability is having the right coverage.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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