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
- Material Damage
Covers accidental physical loss of or damage to content and stock contained in the business premises
- Business Continuity
Covers additional expenditure incurred within 12 months after an insured loss in order to restore normal conduct of business.
- Money
Covers the loss of cash, cheques, order and stamps due to burglary
- Liability Covers
legal liability for bodily injury and/or property damage arising out of your business within the policy territory
- Employee Dishonesty
Covers direct pecuniary loss due to fraud or dishonest act committed by any employee
- Material Damage
Covers accidental physical loss of or damage to content and stock contained in the business premises
- Business Continuity
Covers additional expenditure incurred within 12 months after an insured loss in order to restore normal conduct of business.
- Money
Covers the loss of cash, cheques, order and stamps due to burglary
- Liability Covers
legal liability for bodily injury and/or property damage arising out of your business within the policy territory
- Employee Dishonesty
Covers direct pecuniary loss due to fraud or dishonest act committed by any employee
Who will need it
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Case Study
Meet Tracy from New Way Exchange
HER BUSINESS
Tracy founded a personal financing company that strives to simplify investing and make it more affordable to local investors by offering tailored investment plans at a fraction of the cost of traditional investment firms. She relies on her website to collect and store customers' risk profiles and investment preferences.
WHAT HAPPENED
A system software issue mixed up multiple customers' profiles and her firm ended up recommending higher risk investments to clients with low risk tolerance. While she managed to rectify some of these errors upon discovery, a number of customers ended up investing in accordance with the recommendations erroneously put forth by Tracy. As a result, they faced significant loss when COVID-19 caused the market to plummet.
Why Chubb?
Chubb has been in the insurance business for more than two centuries and in that time have seen all sorts of challenges that a business like yours can face. That experience informs Chubb’s Enterprise Guard Plus coverage as we make sure you’re covered for whatever may come your way and try to stay ahead of your needs. Whether that’s product and operations liability or protection from a suit against previous ownership, we can build the plan your company needs.
- A problem-solving partner: The scope of coverage may be general, but Chubb’s approach is not. We pride ourselves on getting to know your business and the challenges you could face. That’s why Enterprise Guard Plus Insurance has a wide scope and can be purchased on its own or packaged with property insurance.
- Coverage for past, present, and future: Chubb’s Continuum coverage specifically aims to give you peace of mind going forward that you are covered against anything that may have happened in the past. Chubb will do everything it can to keep you ahead of risks like outdated products or suits brought against previous ownership.
- Above and beyond claims service: You didn’t get into business to deal with insurance claims. Chubb will do everything we can to make it as painless as possible when that time does come. Chubb has made a name on claims service and we’re always looking for a way to say yes for your business.
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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.
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