Business Insurance
In today’s fast-moving business environment, safeguarding your company isn’t optional — it’s essential for stability and long-term growth. Whether you’re navigating regulatory risks, operational exposures, or leadership liabilities, the right insurance strategy ensures your organisation stays resilient through uncertainty.
At Expat Insurance, we design customised Business Insurance solutions that protect your operations, executives, and critical assets. From property and liability coverage to specialised industry protection, we simplify decision-making, negotiate stronger terms, and provide ongoing support — so you can grow with confidence, knowing every major risk is professionally managed.
Our approach goes beyond policies — we deliver strategic protection designed to keep your business resilient, competitive, and prepared for the future.
Why Work With Expat Insurance?
Clear Advice. Stronger Protection.
Hong Kong’s business landscape is complex — but your insurance doesn’t have to be. We simplify risk management by translating technical details into clear choices that protect your team and your balance sheet.
We understand your business model.
We assess your operations, exposures, and contracts before recommending coverage.
We compare intelligently.
We review leading insurer options side-by-side so you can see where value truly lies.
We manage everything.
From setup to renewals and claims, we handle all communication with insurers directly.
We stay proactive.
We conduct reviews to adapt your policies as your company evolves or regulations change.
Why Business Insurance Matters?
Every company faces risks that go beyond daily operations. Employees may get injured, clients may dispute advice, systems can be hacked, or claims can arise from management decisions. Without the right protection, these risks can become costly liabilities.
What Types of Insurance May a Business need?
- Business Insurance — Covers various businesses (offices, shops, restaurants, etc.) for Fire, Theft or Accidental Damage to their Contents, Stock, Money, Liability etc.
- Employees’ Compensation — mandatory in Hong Kong. Compensates employees for work-related injuries, accidents, or illnesses; protecting both your staff and your legal obligations.
- Professional Indemnity Insurance — protects the company from claims of negligence, errors or omissions, made by clients against the company for their professional advice or service.
- Directors & Officers Liability — protects company Directors and senior management from lawsuits tied to management decisions, breach of duty, or misrepresentation.
- Commercial General Liability — combines multiple coverage types to safeguard premises, products, and operations under one policy.
Possible Pitfalls We Help You Avoid
Uninsured employees: Without Employees’ Compensation is properly covering employees, a single workplace injury can result in significant fines and payouts.
Negligence claims: Professionals and consultants may suffer financial ruin, loss of reputation etc, even an unfounded claim and the legal costs could be substantial.
Leadership exposure: Directors & Officers Liability ensures executives aren’t personally liable for corporate decisions or compliance disputes.
Liability risks: Skipping Liability insurances to cover Third Party Bodily Injuries or Property Damage, leaves you vulnerable to lawsuits.
With Expat Insurance, you gain an experienced partner who helps you anticipate risks, plan ahead, and protect what matters most.
Need Help? Contact Us Today.
Our Services
We Ensure Professional Insurance Services
Employees’ Compensation
Mandatory in Hong Kong, this policy covers workplace injuries, accidents, or illnesses. It protects both your employees and your company from financial loss and ensures full compliance with local labour laws.
Professional Indemnity Insurance
Safeguard your business against claims of negligence, error, or omission. This cover protects professionals from costly lawsuits and helps maintain your reputation and client trust when disputes arise.
Directors & Officers Liability
Protects company executives from personal loss if they are sued for decisions made in their managerial role. This policy comprehensively covers defense costs, settlements, and liabilities arising from management actions.
Business Liability
Essential protection for third-party injury or property damage claims. Whether a client slips on your premises or your services cause loss, this cover shields your business from unexpected legal expenses.
Combined Insurance
A versatile policy that unites multiple forms of business protection into one — covering premises, products, and operations. Ideal for companies seeking simplicity, efficiency, and broad financial security.
Cyber Insurance
Covers financial losses from cyberattacks, ransomware, or data breaches. Includes expert IT recovery support, legal guidance, and crisis management to minimise downtime and protect your business reputation.
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!
