To run your business in Hong Kong successfully is challenging. Besides of competing with your rivals in terms of quality and price, you also need to protect your own business from misfortune such as fire, burglary and water damage. To relieve you from worrying about unexpected accidents, Prudential introduces PRUchoice BOX (Business Owners Xtra) to shop owners like you. With the full-range "All Risks" protection of PRUchoice BOX, you can concentrate on your business with peace of mind.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

Note: The details listed are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.

 

Features

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Advantages
  1. Providing free seasonal increase of 20% Sum Insured of Sub-Section B - Sample and Trade Stocks.
  2. We protect your client against legal liability arising from the provision of food/drinks by the staff canteen or pantry of his/her shop.
  3. We also protect your client against liability caused by his/her neon sign or signboard.
  4. Providing a number of extensions under the Section of Shop Contents.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Premium

Subject to individual underwriting, premium calculation is based on the Sum Insured.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Remarks
  1. The insured Shop is solely occupied by the Insured or his/her Company as a Shop and no processing and/or manufacturing of any kind (other than clothes alternation or tailoring) is carried out within the Shop.
  2. The premises of the insured Shop should be built of brick or concrete and roofed with concrete, and is in good state of repair.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Product FAQ
Q:  Why are there two Sub-sections under the Shop Contents Section?
A:  The level of Sample and Trade Stocks kept in a shop will differ as it all depends on the nature of business. To tailor for individual needs, we divide the Shop Contents Section into two sub-sections and let the Insured select his/her sum insured for Sub-section A - Contents and Sub-section B - Sample and Trade Stocks separately.

Q:  In Hong Kong, shops are commonly with Neon Sign or Signboard. Can the Insured get any protection under PRUchoice BOX in this aspect ?
A:  Yes, the Insured can get full protection from PRUchoice BOX. First, in the event of the accidental loss of or damage to the Insured's neon sign or signboard, we will indemnify the cost of repair or replacement up to HK$10,000 per year. Besides, we also protect against legal liability caused by the Insured's neon sign or signboard, up to HK$1,000,000 per year.

Q:  What is Seasonal Increase Extension under the Shop Contents Section ?
A:  It is a free extension under Shop Contents Section. The sum insured amount for Sub-Section B - Sample and Trade Stocks will be automatically increased by 20% during the peak season from the period of 1st December to 1st March every year without having to pay any additional premium.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Important Notes to Applicant
  1. Disclosure - The applicant is requested to disclose any other facts known to the applicant which are likely to affect acceptance or assessment of the insurance cover the applicant is applying for. Should the applicant have any doubts about what should be disclosed, please feel free to contact us or your financial consultant/broker. The applicant is recommended to keep a record (including copies of letters) of any additional information given for the applicant’s future reference. Failure to disclose may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  2. A specimen copy of the Policy and a copy of your completed Application Form will be supplied on request.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.