Regarding the five-alarm fire that occurred during major renovation works at Tai Po Hung Fuk Court on November 26, 2025, resulting in multiple casualties, The Hong Kong Federation of Insurers expresses deep sorrow and extends sincere condolences to affected residents.
Insurance companies have swiftly responded by mobilizing personnel and resources to handle policyholders’ inquiries and claims applications, ensuring communication channels remain open to provide timely and appropriate assistance to those affected.
Insurance Company Contact Information
Below are the emergency contact details provided by major insurance companies for this incident (continuously updated):
| Insurance Company | Emergency Contact Number | Service Hours |
|---|---|---|
| The Hong Kong Federation of Insurers (HKFI) | 2861 9367 | 24-hour Emergency Hotline |
| AIA Hong Kong | 2232 8888 | 24-hour Customer Service |
| Prudential Hong Kong | 2281 3333 | 24-hour Emergency Support |
| Manulife Hong Kong | 2510 3888 | 09:00-21:00 |
| FWD Hong Kong | 3123 3123 | 24-hour Customer Service |
| China Life (Overseas) | 2108 1188 | 09:00-18:00 |
| HSBC Insurance | 2288 5566 | 24-hour Emergency Hotline |
| Blue Cross Insurance | 3197 6888 | 09:00-18:00 |
| Other Insurance Companies General Inquiry | Please check respective company websites | Continuously updated |
Contractor’s All Risks Insurance
For large-scale estate renovation and maintenance projects, construction contracts typically specify the need to purchase “Contractor’s All Risks Insurance,” which mainly consists of two parts:
1. Material Damage Insurance:
- Covers property loss or damage to construction, renovation, or maintenance materials at the construction site due to accidental events such as fire, flood, etc., e.g., damage to building materials, decorative materials, flooring, wallpaper, sanitary ware, etc.
- Sum insured depends on the project cost.
2. Third-Party Liability Insurance:
- Protects contractors, subcontractors, owners, or tenants from legal liability arising from negligence causing third-party personal injury or property damage.
- Sum insured depends on the project scale; professional consultants provide recommendations, with the Owners’ Corporation making the final decision.
- Current major renovation projects in Hong Kong typically purchase coverage ranging from HKD 30 million to HKD 60 million.
Fire Insurance
Fire insurance covers funds needed for repairing or even rebuilding building structures damaged by accidental events such as fire, flood, etc.
Generally, when owners arrange mortgages for properties, banks require them to purchase fire insurance to protect the mortgaged property, hence many refer to it as mortgage fire insurance.
Home Contents Insurance
Home insurance covers household contents within the insured property that are lost, destroyed, or damaged due to accidents, including furniture, appliances, clothing, valuables, and interior decorations.
- Some home contents insurance policies cover accommodation expenses (e.g., hotel costs) if the residence becomes uninhabitable due to an insured event, reimbursed based on actual expenses.
- Some insurance companies provide advance claim payments to home insurance customers affected by fire for emergency use.
- Some company policies provide accidental death coverage, offering a lump-sum cash payment.
- Regarding loss of household contents, as it’s currently impossible to enter the disaster site to estimate losses, residents with home contents insurance are advised to first contact their insurance company for filing.
Domestic Helper Insurance
Statutory Employees’ Compensation Insurance and/or medical and personal accident coverage, etc.
- For Employees’ Compensation Insurance, if a domestic helper unfortunately passes away in the incident, the employer must bear compensation as stipulated by the Employees’ Compensation Ordinance.
- If the employer purchases comprehensive domestic helper insurance, besides labor insurance coverage, the policy also covers repatriation of remains to the country of origin; personal accident compensation, domestic helper’s property protection, and allowance for hiring a replacement domestic helper.
- If a domestic helper’s death is confirmed, the employer can contact the insurance company as soon as possible to arrange claims.
- If the employer also unfortunately passes away, the employer’s lawful estate administrator can file claims according to the insurance policy.
Please note: Lawful claimants should notify the insurance company within 30 days of the incident.
Life / Personal Accident / Medical Insurance
Most insurance companies have established emergency support hotlines to assist and answer victims’ questions.
Insurance companies are providing special assistance to victims for this incident, including:
- Establishing dedicated hotlines with personnel to answer victims’ questions about policy coverage and specific claims arrangements
- Providing additional support beyond policy coverage
- Urging agents to provide immediate assistance to affected clients
- Simplifying and expediting claims procedures, prioritizing claims from affected policyholders, including: life insurance, medical insurance, personal accident insurance, home insurance, domestic helper insurance, fire insurance, etc.
- Waiving death certification documents for death claims where possible
- Providing premium holidays / extending policy payment deadlines
- Offering interest-free policy loans within specified periods
- Reducing fees for policy withdrawals
Important Note: Coverage items and terms vary for each protection plan. Please refer to your policy or consult your insurance company.
Need Insurance-Related Assistance?
If victims have any insurance-related inquiries or are unsure about the insurance products/companies purchased by themselves/family members, they can seek help from HKFI:
Disclaimer: This guide is for reference only. Specific insurance coverage and claims arrangements are subject to individual policy terms. Affected individuals are advised to contact their respective insurance companies directly for details.
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