Shop Insurance

Shop insurance can help protect your business against lawsuits and financial losses resulting from a number of situations.

A customer can fall and injure themselves; property could become damaged or stolen, employees could become injured or sick.

Any store owner who’s experienced problems like these could tell you how important it is to carry the right types and amounts of insurance. Coverages might include:

  • General Liability Insurance
  • Property Insurance
  • Buildings Insurance
  • Loss of Income Insurance
  • Identity Theft Insurance
  • Valuable Papers Coverage
  • Worker’s Compensation
  • Commercial Auto Insurance

Almost all retail stores and other small businesses need some type of basic store insurance. They include:

  • Electrical Contractors
  • Electric Repairmen
  • HVAC Technicians
  • Heating Contractors
  • Lighting Technicians
  • Lighting Consultants
  • Air Conditioning Contractors
  • Construction Companies

To obtain a quote, we will need to know:

1. Name of insured / shop names

2. Type of business per location i.e western restaurant

3. Risk Location

4. Operation hour and number of seat per shop

5. Sum insured of content, stock in trade per shop

6. Updated number of employee and total earning

7. Claims record in past three years

Contact :

Robin Brown robin.brown@navigator-insurance, or

Romi Gill romi.gill@navigator-insurance.com for more Information.

Tel 2530 2530




Three key ares of cover provided by Liberty's Shop Protector policy are :

  • Damage to stock in a conveying vehicle
  • Cover for loss of money
  • Independent contractor’s liability

For more information, please download the brochure below:

Document Missing

Contact Mr Robin Brown or Ms Romi Gill for more information.. Tel 852 2530 2530 email: crew@navigator-insurance.com

Beauty Salon details

Key highlights of benefits and coverages of MSIG Shop Insurance, with effect 5-5-2020:

Contents and Stock
• Equipment or machinery: HK$100,000 per item
• China, porcelain, work of art and curiosity: HK$10,000 per article; $100,000 in aggregate or 10% of
the Sum Insured on Contents whichever is the less
• Personal effects of employee: HK$5,000 per person; HK$20,000 in aggregate
• Fixed glass or mirror: HK$10,000 in aggregate
• Temporary Removal:
o Surveying or photographic equipment: HK$5,000 in aggregate
o Loss of documents in transit within Hong Kong: cover HK$5,000 in aggregate
• Removal of debris: 10% of the Sum Insured
• Fire extinguishing expenses: cover HK$10,000 in aggregate
• Advertising signs, neon signs and signboard: HK$30,000 in aggregate
• Seasonal increase of Sum Insured of stock: automatically increased by 20% and up to HK$1,000,000
in January, February and December
• Replacement of locks & roller shutter door: HK$5,000 for locks and HK$20,000 for roller shutter
doors in aggregate
• Architects', surveyors', consultant engineers' fee: cover HK$10,000 in aggregate
Business Interruption
• Additional expenditure: HK$750,000 per year
• Interruption of or interference with business due to the failure of public utility supply for more than
48 hours: HK$500,000 or 10% of the total Sum Insured
• Fidelity Guarantee: HK$50,000 in aggregate
• Extra cover on Sunday and Public Holiday: limit of loss of money increased by 25%
Public Liability
• Upgrade to FREE cover: legal liability to third parties due to bodily injury and/or property damage
arising from your business: HK$10,000,000 per event
• Extend to include interior decoration work performed by independent contractors at the premises
(contract value up to HK$500,000)
• Extend to include internal first aid services under business
• Extend to cover signboard liability: HK$1,000,000 per period of insurance
While we have enhanced the overall level of protection offered under this plan, we wish to draw your
attention to some other adjustments.

Other Points of Note

Contents and Stock
• Apply HK$3,000 or 10% of loss for water damage excess, whichever is greater.
Business Interruption
• Apply sub-limit to professional accountants’ charges at 10% of the total Sum Insured
Public Liability
• Exclude personal injury or bodily injury or loss of, damage to, or loss of use of property directly or
indirectly caused by seepage, pollution or contamination

MSIG Shop application form, policy document and claim forms


Generali shop details



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Email: crew@navigator-insurance.com
Call: +852 2530 2530
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong