This plan offers 2 sections of basic protection. You may choose to insure for both Section I - Material Damage and Section II - Public Liability to Third Parties at the same time, or Section II - Public Liability to Third Parties alone.

It provides “All Risks” cover against accidental loss of or damage to the property or materials (e.g. flooring, tiles, wallpapers, woodenware, sanitary ware, and other related decoration materials, etc.) in respect of contract work carried out at the site during the period of insurance.

• Removal of Debris

  This provides coverage for the cost of removing debris following an insured accident at the site, subject to a maximum of 5% of the total contract sum.

• Automatic Increase of Contract Sum Insured

  If the actual contract sum exceeds the contract quotation sum, the cover for the contract sum insured will be automatically increased by a maximum of 10% without extra premium.

This protects you against legal liability in respect of third party bodily injury and/or property damage arising out of the contract work.

• HK$5,000,000
• HK$10,000,000
• HK$20,000,000
• HK$30,000,000

* Limit of indemnity per any one accident. Unlimited claims in any one period of insurance.

• Principal's Property Damage

  Cover for insured contractor's liability in respect of accidental loss of or damage to the principal's property in the care or control of an insured contractor for carrying out the contract work, up to a maximum indemnity of HK$10,000,000.

• Vibration Cover

  Cover for the legal liability in respect of third party property damage arising out of vibration or by the removal or weakening of support during the contract work, up to a maximum indemnity of HK$10,000,000.

• Scaffolding Works

  It provides cover for contract with scaffolding works (e.g. for replacement of window or exterior piping), provided that the costs involved in scaffolding works not exceeding 20% of the total contract value.

You will enjoy the following free coverage once you have insured for the Basic Protection.

• Maintenance Period Protection

  Extend to cover the liability arising from the maintenance of the insured contract works during the insured maintenance period (3, 6 or 12 months) after completion of insured contract work.

• Cross Liability

  If there are more than one insured party in the policy, each of the insured parties in the policy will be covered individually, as if a separate policy is issued for each party, provided that the maximum limit of Public Liability to Third Parties shall not exceed the maximum limit of indemnity as stated in the policy.

Excess applies to both Section I - Material Damage and Section II - Public Liability to Third Parties. Please refer to the product brochure for details.