Commercial General Liability (Combined Insurance)
Our goal is to protect your business from the unexpected — because even small mistakes can lead to big consequences. Commercial General Liability (CGL) Insurance, also known as Combined Liability Insurance, provides comprehensive protection against third-party claims for injury, property damage, and legal liability — all in one simple policy.
About Commercial General Liability (Combined Insurance)
One Policy. Complete Protection.
Running a business means dealing with clients, suppliers, and the public every day — and every interaction carries a level of risk. A customer slipping on your floor, a contractor damaging a client’s property, or an employee accidentally injuring someone during work can all lead to costly lawsuits.
CGL Insurance consolidates multiple types of liability protection under one umbrella policy. It safeguards your company from legal claims, medical expenses, and compensation payouts, keeping your financial position and reputation secure.
At Expat Insurance Hong Kong, we design customized CGL coverage for both SMEs and large corporations — ensuring the right balance between protection and cost-efficiency.
Why Choose Commercial General Liability Insurance?
For most businesses, CGL Insurance is a foundation for risk management. It’s often required by landlords, clients, and contracts, and provides the reassurance that one unexpected claim won’t disrupt your operations or cash flow.
What Does CGL Insurance Include?
- Public Liability – coverage for bodily injury or property damage to third parties
- Product Liability – protection against claims arising from sold or distributed products
- Tenant’s Liability – for damage to rented offices, shops, or business facilities
- Contractual Liability – protection for liabilities assumed under written agreements
- Advertising & Personal Injury Liability – coverage for defamation, copyright, or media disputes
- Worldwide Legal Defense Costs – full support for litigation, settlements, and legal fees
CGL Insurance protects you wherever you do business — whether in Hong Kong or overseas — giving you complete peace of mind to focus on growth, not risk.
At Expat Insurance, we make complex coverage simple. Our team evaluates your business operations, industry-specific risks, and existing policies to eliminate overlap or gaps. We then negotiate directly with insurers to deliver better protection at the best available rates.
Why Work With Expat Insurance?
Simplified Coverage. Expert Negotiation. Long-Term Support.
Every business is unique — and so are its liabilities. That’s why we build policies that truly fit your operation rather than taking a one-size-fits-all approach. Our advisors guide you through every step of securing and maintaining comprehensive coverage.
We start with your exposure.
We assess your workplace activities, product scope, and client contracts to identify potential liabilities.
We compare your best options.
We present multiple insurer quotes, highlighting differences in scope, deductibles, and policy limits.
We negotiate on your behalf.
We obtain favorable pricing and stronger protection clauses customized to your business.
We stay with you long-term.
We offer policy reviews, renewals, and claims advocacy to ensure lasting protection.
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
Overlapping policies: Many companies unknowingly double-pay for similar coverage. We help streamline and consolidate policies under one efficient CGL plan.
Third-party injury claims: Accidents involving visitors or vendors can cost millions. We ensure broad coverage for bodily injury and property damage.
Contractual liability exclusions: Some insurers omit coverage for legal contracts. We ensure inclusive protection for all business agreements.
Inadequate product coverage: Faulty product claims can threaten manufacturers and retailers alike. We make sure your product liability is fully protected.
With Expat Insurance, you gain peace of mind knowing your business is fully shielded — no matter where you operate or who you serve.
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!
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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
