Guarantee period:
澄清声明 / 澄清聲明
针对近期本公司接连收到有关保单交易的查询，本公司从未授权有关人等以本公司名义招揽订立保险投资协议，有关人等的行为或涉嫌误导消费者、欺诈等不法行为。为维护本公司商誉及权益，本公司特此声明并澄清如下：
1、 本公司从未承保此类担保业务，亦从未授权任何人士对外招揽投资，此疑为第三者利用本公司之良好商誉，以图进行诈骗；该等人士所涉及之任何投资招揽行为，与本公司一概无关。如涉及不法行为及＼或侵犯本公司相关权利，本公司将采取一切必要的法律措施维护本公司的权益。
2、 以上严正声明，以正视听，并特别呼吁投资者提高警觉，审慎确认相关交易，切莫误信造成损害。
如任何人士因上述交易而招致任何损失，本公司一概不负责，并保留一切追究权利。
中国人民保险（香港）有限公司谨敬針對近期本公司接連收到有關保單交易的查詢，本公司從未授權有關人等以本公司名義招攬訂立保險投資協議，有關人等的行為或涉嫌誤導消費者、欺詐等不法行為。為維護本公司商譽及權益，本公司特此聲明並澄清如下：
1、 本公司從未承保此類擔保業務，亦從未授權任何人士對外招攬投資，此疑為第三者利用本公司之良好商譽，以圖進行詐騙；該等人士所涉及之任何投資招攬行為，與本公司一概無關。如涉及不法行為及＼或侵犯本公司相關權利，本公司將採取一切必要的法律措施維護本公司的權益。
2、 以上嚴正聲明，以正視聽，並特別呼籲投資者提高警覺，審慎確認相關交易，切莫誤信造成損害。
如任何人士因上述交易而招致任何損失，本公司一概不負責，並保留一切追究權利。
中國人民保險（香港）有限公司謹敬
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Interior Decoration
what is interior decoration insurance
The company's interior decoration insurance protects you against the loss or damage that occurs within the scope of the project contract when you are decorating, maintaining or renovating your home, shops and office buildings. Meanwhile, the insurance will bear the legal liability for the third party's bodily injury and / or property damage within the scope of the project contract.
Features
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Comprehensive protection, conveniently apply; flexible combination, real-time issuance
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Expandable coverage of scaffolding process
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The age limit of the building can be up to 40 years
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A variety of additional protections
Coverage
| Part 1 - engineering material damage protection | maximum coverage (HKD) |
|---|---|
| to protect against loss or damage to works contracts or materials | —— —— |
| free additional security | |
| waste clean-up costs (free)To pay up to 5% of the total contract value for the clean-up of waste after an accident at the insured site | total value of project contract *5% |
| temporary handling (free)The removal from the temporary accommodation by a professional carrier to the insured site where the renovation/alteration has been completed provides protection against any loss or damage to the property during the removal. The maximum compensation is HK $10,000 and the liability for each incident is HK $2,000. | 10,000元 |
| Part 2 - third party liability guarantee | maximum insured amount (HKD) |
|---|---|
| Third party's legal liability for physical injury and/or property damage | —— —— |
| free additional security | |
| employer financial damage protection (free)The maximum amount of compensation payable is HK $2,000,000 to the contractor for accidental damage to the property belonging to the employer or tenant in the flat during the construction period. | 2,000,000元 |
| vibration guarantee (free)The maximum amount of protection is HK $2,000,000 for third party property damage resulting from structural damage to the building caused by vibration during the works. | 2,000,000元 |
| extra safeguard | |
| maintenance period free guarantee (free)Free of charge for any loss arising from construction during the maintenance period, the maximum period of protection for the maintenance period shall be 6 months from the original completion date of the works or 6 months from the early completion date of the works, whichever is the earlier. | —— —— |
| scaffolding processIf the decoration works involve scaffolding, such as replacement of window frames, external wall pipes and other outdoor procedures, the additional premium is only required to be paid, but the amount involved in scaffolding procedures shall not exceed 15% of the total amount of the project contract insured.Neon lights, exterior billboards, flower cage and canopy and other projects are not applicable. | total amount of engineering contract insured * 15% |
| Part 3 - employees' compensation insurance | maximum insured amount (HKD)） |
|---|---|
| Cover expenses and expenses related to work-related injury or deathCompensate the insured during the period of insurance, claims under the employees' compensation ordinance or common law, claims within the scope of the jurisdiction of the government of the Hong Kong special administrative region, during the period of employment because Labour costs and expenses related to injury or death to the legal responsibility, under the condition of the written consent of the company, the applicant additional compensation for all costs and expenses. | —— —— |
note
major exclamations:
parts i and ii :
1. Errors, defects, omissions, omissions or nonconformance on any plan.
2. Any material or manual defect not caused by accident
3. Any loss of market value, loss of reimbursement, penalty, performance guarantee or consequential loss.
4. Natural wear and tear and depreciation, rust, mildew or gradual deterioration of objects.
5. Liability arising from the erection and/or dismantling of scaffolds or related works.
part iii employee compensation insurance :
6. Liability arising from the erection and/or dismantling of scaffolds or related works;Subject to clauses W32 and W55, the Insured Person is not protected from any related works which are more than 9 metres above or above the ground floor and any work carried out outside the building.
important matters:
1.The building age shall not exceed 45 years.
2.The maximum duration of insurance is six months plus six months of maintenance.
3.The company shall accept and pay the additional premium in advance if the extended period of protection is required.
4.The effective date of insurance shall be confirmed by the company before it becomes effective.
5. Once the policy becomes effective, the premium will not be refunded.
File download
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Insurance book download
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Standard terms download
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