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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.
|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|
|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.||—— ——|
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.
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.
Insurance book download
Standard terms download