Property Insurance

Your company is an ongoing business, so a comprehensive coverage of your operations and premises is a necessity. To meet your needs, we have an extensive range of insurance products to cover any external damage to or physical loss of your property and business utensils.

Fire Insurance
Covers loss of or damage to the property insured, such as the building, furniture, fixture and fittings, stock, trade utensils, etc., caused by fire, lightening and/or explosion.

Marine Cargo Insurance
Protects against loss of or damage to the cargo during the course of transportation by sea / air / overland.

Money Insurance
Provides indemnity against the loss of money owing to burglary or theft whilst the money is kept in the premises or cash-in-transit to / from the premises and the bank. Cover includes banknotes, postal orders, cheques, etc.

Contractors' All Risks Insurance
Covers accidental loss of or damage to property due to fire, burglary or accidental damage at the site. Includes any legal liability in respect of bodily injury or death or property damage of any person.

Burglary Insurance
Protects against loss of or damage to the property insured such as stock, trade utensils, equipment, etc., caused by burglary.

Marine Hull Insurance

  • Hull and machinery insurance for lighter, tug and pleasure craft as well as compulsory third party risks insurance.
  • Coverage includes crew liability, cargo liability as well as profession and indemnity risks. 

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