Circles Group beneficiates from more than 15 years of experience on Special Risks Insurance with recognized worldwide expertise in Films, Events, Horses, Retail Jewel Block and Over Redemption Promotions Activities.
Thanks to its position of European Leader with more than 80.000 film productions and events insured, Circles Group is developing offices in North America, South America and Asia.
Prestigious and strong Insurance Companies such as HDI-Gerling Assurances s.a., AXA Belgium, Catlin Insurance Company (UK) Ltd. have been working with Circles Group since the early beginning.
About Circles Group & Circle Asia:
Circles Group is a global underwriter of specialty risks. Circle Asia is a wholly owned subsidiary of the group and serves as the group’s Asia Paci c underwriting hub headquartered in Hong Kong SAR.
Circle Asia is an underwriting agent of Lloyd’s, a global leader for specialty insurance. Lloyd’s and its locally based underwriting agents have been paying claims in Asia Paci c for over 100 years. Circle Asia has the ability to access the Lloyd’s global license network and provide its customers with S&P A+ rated nancial security for all its insurance policies.
Circle Assets provides seamless coverage for Household, Private Collections, and Personal Liability on a worldwide basis under a single insurance policy.
Property and Contents
Circle Assets’ property & contents coverage includes:
- Comprehensive buildings & contents coverage
Provides maximum protection for exceptional homes, speci cally designed to address the uniqueness of your dwelling and the valuables so carefully chosen within.
- All risks coverage
Protect yourself against property damage and losses regardless of the cause with no average clause applicable. You can rely on comprehensive insurance, few restrictions, and complete peace of mind.
- Guaranteed rebuilding costs
We provide an optional payment basis where if the unexpected should happen and your home is damaged, we will pay to have your home rebuilt or repaired to its original state and beauty, even if the costs exceed your policy limits.
- Worldwide coverage
We provide worldwide coverage for all physical loss or damage no matter where you take your contents or personal effects.
- No ordinary household contents sub limits
Your ordinary household contents such as furniture and kitchen equipment are fully covered with no article sub limits, except for valuable items speci cally mentioned.
- Alternative accommodations
If your home cannot be occupied due to a covered loss, we will cover reasonable increases in your normal living expenses. This allows you to maintain a comparable standard of living, without further interruptions.
- Loss of rent
If your tenant is unable to occupy your rental property due to a covered loss, we will provide you with the lost rent on that property for up to 12 months.
- Full cover for pairs & sets
If one item that is part of a pair or set is lost or damaged, we will pay the full replacement value of the entire pair or set if you agree to surrender the remaining article(s) of the pair or set to us.
- Trace and access
Not only do we pay for the damage caused by a leak, we also pay the costs of nding the source of the leak.
Circle Assets’ private collections coverage includes:
- Comprehensive worldwide coverage
Covers any loss or damage due to all number of perils including re, theft, earthquake, ood, and breakage anywhere in the world. You can feel secure that your items are protected regardless of where they are located (territorial restrictions may apply).
- Newly acquired items
New acquisitions are immediately covered at the time of purchase, conveniently allowing you up to 90 days to add the new item to your policy.
- Death of artist
If you have a loss or damage to any speci ed ne art item, we will pay up to 200% of the amount insured (up to HK$1,500,000) if the occurrence is within the immediate 6 months following the death of the artist, provided you had a valuation done within the last 36 months prior to the loss/damage.
- Defective title
We cover defective title of ownership up to 10% of the Collection Sum Insured, or up to HK$250,000, if you have a covered loss.
- Pair or set
We allow you to choose whether to repair, replace, or surrender undamaged items that are part of a pair or set when there is damage to an item in that pair or set.
- Items in transit
We cover insured collectibles while the items are in transit up to the policy limits, subject to suitable transportation and packing.
- Items on exhibit
We cover items that may be damaged when moved to or from exhibitions and/or while you have them on display or loan, subject to prior notice and terms and conditions to be advised.
- Wine coverage
We include coverage for spoilage due to mechanical breakdown of climate-control systems, breakage and more.
Circle Assets’ personal liability coverage includes:
- Worldwide territory
Including USA and Canada without duration or limitation.
- Defense cover
Legal defense costs and expenses are payable in addition to the limit of liability.
- Directors’ errors or omissions
Covers personal injury or property damage arising out of an Insured Person’s actions as an of cer or member of the board of any not for pro t organization.
- Kidnap expenses
Covers an Insured Person’s kidnap expenses, up to a maximum of HK$200,000.
- Reversal of damages
Covers up to HK$5,000,000 for unrecoverable court awards.
- Domestic helper liability during the course of employment
- Golf exposure
- Medical payments
- Credit cards and forgery
- Identity theft
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