skip to main content

Designed to offer wide standard coverage with optional additional coverage


Chubb understands that SMEs are usually more vulnerable to fluctuating economic conditions and business interruptions due to smaller cash flows. That is why we have designed Enterprise Guard Plus, a package policy that covers you against unexpected expenses in running your business.

Coverage Highlights

Section 1 – Material Damage Covers accidental physical loss of or damage to content and stock contained in the business premises
Section 2 – Business Continuity Covers additional expenditure incurred within 12 months after an insured loss in order to restore normal conduct of business
Section 3 – Money Covers the loss of cash, cheques, order and stamps
Section 4 – Liability Covers legal liability for bodily injury and/or property damage arising out of your business activities anywhere within Hong Kong
Section 5 – Employee Dishonesty Covers direct pecuniary loss due to fraud or dishonest act committed by any employee
Section 6 – Personal Assault Covers insured person who suffers bodily injury from robbery or attempted theft
Section 7 – Employees’ Compensation (Optional) Covers employer’s legal liability for bodily injury to employees arising out of and in the course of employment
Section 8 — Privacy Liability (Optional) Covers legal liability for Privacy Claim first made during the Period of Insurance resulting from the mishandling of personal data

Preferred Industries

Office & Service Business

Management consultants, accountants and IT consultants, software designers, architects, estate and letting agents, financial or investment advisers, insurance brokers and agents, health and safety consultants and marketing companies.


Grocery stores and retailers of all types of goods including but not limited to pharmacies, cosmetics, fashion, clothing, toy games, household appliances, metal wares, grocery stores, building materials, grocery for pets, non-electrical equipment & parts and furniture.

Food & Beverage (F&B)

Restaurants, dining places, food courts, food court stalls, coffee, desserts or ice cream shops, take away shops and canteen operations.


Pre-school education centers, tuition centers, commercial schools, children enrichment classes, music dance and ballet schools, art or fashion schools, adult education centers and language schools.

Medical, Vet & Dental Centers

Psychiatry and general practice medical clinics, chiropractic and acupuncture services, specialist medical centers, aesthetics and cosmetic services, dental services, vet and more.

Health and Beauty

Beauty and hair salons, manicure and pedicure parlors, makeover services and more.

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wording for exact terms, conditions and exclusions. The above information shall not be construed as an offer to sell or solicitation to buy or provision of any of our products outside Hong Kong SAR. For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.

Content Downloads

Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks