Public/General Liability Insurance

1. Coverage trigger is on occurrence form basis
2. Broad definition of insured, which include:
   • your subsidiary
   • new subsidiary acquired by you within 90 days during the policy period
   • your director, officer, partner, employee or shareholder
   • your principal
   • any social and/or sporting clubs, first aid, fire and ambulance services formed with your consent
3. Broad definition of insured, which include:
   • bodily injury, death, illness, disability, shock, freight, mental anguish or mental injury
   • false arrest, detention, false imprisonment, malicious prosecution or humiliation
   • wrongful entry or eviction
   • assault and battery not committed by or at the direction of you
4. Broad coverage with extension to cover your legal liability arising out of :
   • loss or damage to directors/officers/employees/ visitors’ clothing and personal effect
   • premises tenanted by the insured
   • loading and unloading of vehicles
5. Legal representation or investigation expenses

1. Products Liability
2. Advertising Injury
3. Manufacturing Errors & Omission
4. Products Recall Expenses

• Highly rated financial strength [Chubb’s core operating insurance companies are rated AA for financial strength by Standard & Poor’s and A++ by A.M. Best*]
• Broad appetite and flexible underwriting approach
• Long-term focus on client relationships
• Multinational network capability with robust capitalisation and financial strength
• Active claims management where, if necessary, the right experts are used at the right time
• Relevant risk engineering services in support of our clients’ strategic progress
• Tailored insurance solutions through bespoke coverage, industry, specific products and global knowledge

*Ratings apply to Chubb’s core operating insurance companies. See https://investors.chubb.com for ratings of individual insurance companies.

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.