Business Insurance
Our mission is to protect your company’s operations, leadership,
and
assets — so you can grow with confidence, knowing every potential risk is fully managed.
About Business Insurance
Protecting Your Company’s Future
Running a business in Hong Kong offers huge opportunities — but also significant financial risks. From property damage and liability claims to cyber threats and business interruption, a single unexpected incident can cost hundreds of thousands of dollars and disrupt operations overnight. Without the right insurance, the financial impact can be devastating.
That’s why Business Insurance is essential. It safeguards your company from key operational risks, ensuring long-term stability and uninterrupted growth. At Expat Insurance Hong Kong, we analyse your operations, identify vulnerabilities, and build a protection strategy tailored to your industry, size, and risk exposure — helping you grow with clarity and confidence.
Why Business Insurance Matters?
A strong business plan isn’t complete without strong risk protection. With a tailored Business Insurance package, you can safeguard your income, assets, staff, and legal obligations — allowing you to focus on expansion instead of uncertainty.
What Does Business Insurance Include?
- Property & Asset Protection — Shields your office, inventory, equipment, and physical assets against fire, theft, flooding, and accidental damage.
- Public Liability & Professional Liability — Protects your business from costly legal claims resulting from injury, property damage, or professional advice.
- Business Interruption Insurance — Covers lost income and extra operating costs if your business must temporarily shut down or suspend operations.
- Cyber & Data Breach Protection — Provides financial and legal protection from cyberattacks, data theft, and system disruptions.
- Employee Injury & Work Liability — Ensures full legal compliance and covers medical bills, compensation, and workplace-related claims.
- Industry-Specific Risk — Coverage Tailored protection for SMEs, retail, logistics, professional services, construction, and more.
Our approach goes beyond policies — we deliver strategic protection designed to keep your business resilient, competitive, and prepared for the future.
Why Work With Expat Insurance?
Independent Expertise. Strategic Protection.
Business Insurance can be complex — different industries face different risks, and policy language is often unclear. Our role is to simplify everything and ensure your company receives the exact protection it needs at the best possible value.
We understand your business model.
We assess your operations, exposures, and contracts before recommending coverage.
We compare intelligently.
We review leading insurer options side-by-side so you can see where value truly lies.
We manage everything.
From setup to renewals and claims, we handle all communication with insurers directly.
We stay proactive.
We conduct reviews to adapt your policies as your company evolves or regulations change.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
Possible Pitfalls We Help You Avoid
Underinsured property coverage: Many businesses underestimate replacement costs. We ensure accurate and realistic value protection.
Liability gaps: Professional and public liability often exclude key risks. We clarify every clause before you commit.
Cyber vulnerabilities: Most SMEs are exposed without realising it. We secure affordable cyber protection with strong response support.
Business interruption surprises: Many policies only cover physical damage. We ensure your income is protected, not just your building.
With Expat Insurance, you gain an experienced partner who helps you anticipate risks, plan ahead, and protect what matters most.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Blog & News Update
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Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
