Personal Liability Insurance
Accidents can happen anywhere — at home, at a friend’s place, or even on holiday. Personal Liability Insurance
protects you and your family from costly legal claims if someone is injured or property is damaged due to your actions.
About Personal Liability Insurance
Protecting You from Life’s Unexpected Mistakes
A guest slips on your stairs, your child accidentally breaks a neighbour’s window, your dog bites someone at the park, or an unexpected accident occurs during a home gathering — these incidents can result in large compensation claims that quickly become financially overwhelming.
Personal Liability Insurance covers the financial consequences of such accidents, paying for legal defence, settlements, and compensation so you don’t have to face unexpected costs alone. At Expat Insurance Hong Kong, we make it simple to protect your personal finances, reputation, and peace of mind — whether you’re at home, hosting friends, travelling, or managing everyday life in Hong Kong’s dynamic environment. We ensure you are covered comprehensively, giving you confidence that you and your family are protected against unforeseen liabilities.
Why Choose Personal Liability Insurance?
Many people assume they do not need liability insurance and do not realise the huge risk of being unisnured. Personal Liability Insurance bridges that gap, ensuring you are fully protected in your everyday life — anywhere you go.
What Does Personal Liability Insurance Include?
Worldwide Coverage – protection for you and your family in Hong Kong and wherever you travel
Third-Party Injury Claims – covers accidental harm caused to others
Property Damage – protection if you accidentally damage another person’s belongings
Legal Defence Costs – covers lawyer and court fees arising from a liability claim
Tenant’s Liability – covers accidental damage to rented property
Family Protection – includes spouse, children, and domestic staff
At Expat Insurance, we tailor every plan to your lifestyle, ensuring your policy limits match your personal exposure and assets — without overpaying for unnecessary extras.
Why Work With Expat Insurance?
Clear Advice. Reliable Coverage. Real Protection.
Navigating liability insurance can be confusing, especially when policies vary across countries. We simplify the process — making sure you understand exactly what’s covered and where.
We start with your lifestyle.
We assess your home, travel habits, and family setup to define your real risks.
We simplify your options.
We compare top-rated liability plans and find the most suitable solution for you.
We negotiate better coverage.
We use our insurer partnerships to secure higher limits at lower premiums.
We support you through every claim.
From first incident report to settlement, we advocate for your best outcome.
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
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Legal cost limits: Many policies cap legal expenses. We make sure your plan includes full defence and settlement protection.
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Low liability limits: In Hong Kong’s legal environment, claim amounts can be high. We secure strong coverage limits to safeguard your assets.
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Excluded family members: Some policies omit helpers or children. We ensure everyone in your household is properly covered
At Expat Insurance, we’ve seen how a small accident can spiral into serious costs. We’re here to prevent that — giving you and your family complete confidence that you’re covered, no matter what happens.
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
