Liability Insurance

Risk management concept is vital to all business. Our third party legal liability covers and Compulsory Employees' Compensation Insurance covers help you manage risks arising from business operations.

Public Liability Insurance
Protects against any legal liability in the event of the insured's negligence or management mal-practice causing bodily injury or death or property damage of the public.

Employees' Compensation Insurance
Covers the employers' legal liability under Employees' Compensation Ordinance and Common Law in respect of bodily injuries or death of their employees arising out of or in the course of employment.

Owner’s Corporation Third Party Liability Insurance
Protects the "Owners' Corporation" against legal liabilities in respect of third party's death or bodily injury occurring in the common parts of the insured buildings.

Hassle-free Enrolment
For insurance enrolment, please login to our CBS Online, visit any branches or Commercial Centres of Bank of China (Hong Kong).

Terms and Conditions:

  • This Plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
  • Bank of China (Hong Kong) Limited (“BOCHK”) is an appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance but not BOCHK.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly BOCG Insurance and the customer.
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCG Insurance reserves the right to accept or decline any application for the Plan based on the information provided by the insured and applicant at the time of application.
  • BOCG Insurance reserves the right to amend or withhold any terms and conditions without prior notice.
  • The plan is governed by the terms and conditions in the relevant policy document. Detailed terms and conditions are subject to the official policy document issued by BOCG Insurance. Please refer to the relevant policy document for the details of the insured items and coverage, provisions and exclusions.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website