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家居保險每件賠償上限可能得 $10,000。你幅畫值幾多？

唔好淨睇保費，醫療保障同緊急支援先係關鍵。

客人喺你間舖跌親，你可能要賠幾十萬。

請一個人都要買。香港法例點寫、保費點計、點樣揀。

貨運保險揀錯條款，出事可能一蚊都賠唔到。

一份保險同冇保險嘅分別，可以係幾十萬。

EC、PL、D&O、PI — 5 分鐘 checklist 幫你睇清。

三保只保第三者，你架車撞爛咗一蚊都冇。

水浸、爆竊、第三者責任 — 一份家居保險幫你搞掂。

經紀免費你知唔知？一文拆解點解搵經紀可能幫你慳錢。

公司出事，董事個人資產可能被追討。

一次數據洩漏嘅成本，可能令你間公司執笠。

開箱見到貨物爛咗第一樣要做嘅係咩？唔係打去保險公司，係千祈唔好簽個收據。

8 號風球一掛停業一日蝕幾多？你份商業保險包唔包停業損失？

幅畫由屋企掛牆嗰一刻摘落嚟，到展覽完返到香港掛返原位，中間有冇保？

一場火、一塊石屎跌落街，隨時賠光成個工程利潤。

美容院同醫美中心風險高 —— 療程整親客人、員工工傷、用嘅產品致敏。本文一次過講晒美容業要保嘅僱員補償、公眾責任、療程責任、財產同產品責任。

商業車（貨車、客貨車、van）同車隊保險點買？本文解釋商業車第三者法定要求、用途分類點影響保費、車隊單點管理，以及同私家車保險嘅分別。

董事責任保險（D&O）唔係法定，但董事要為管理決策負個人責任。本文解釋中小企點解都需要 D&O、最常見嘅索償其實嚟自員工，以及 D&O 保障你嘅個人資產。

員工工傷之後，僱主要點處理？本文一步步講解僱員補償（EC）索賠流程 —— 即時處理、向勞工處呈報嘅時限、通知保險公司、判傷同賠償計算，幫僱主唔好失誤。

網店同電商唔使租舖，但風險一啲都唔少 —— 產品責任、客戶資料洩漏、貨運途中損失。本文一次過講晒網店要保咩，幫你唔好以為「冇實體舖就唔使保」。

電動車保險同燃油車唔同 —— 電池意外損壞、輔助駕駛系統、以新換舊都係重點。本文解釋 EV 車保要睇咩、點解專門 EV 計劃更啱電動車主。

物流、倉庫同運輸公司風險高 —— 工人搬運受傷、倉存火災、代客貨物損失、車隊意外。本文一次過講晒物流業要保嘅 EC、財產、貨物責任、車隊同公眾責任。

撞車之後手忙腳亂？本文一步步講解車保索賠流程 —— 現場處理、報警時限、唔好即場認責、通知保險公司、自負額同 NCB 影響，幫車主冷靜處理。

車保保費點計？由 NCB 無索償折扣、司機年齡同經驗、車種車齡到自負額，本文拆解影響車保保費嘅因素同實際慳錢方法，幫你買得精明啲。

揸電單車一定要買第三者保險（香港法例第 272 章）。本文解釋電單車保險嘅全保同三保分別、點解失竊同碰撞風險高、NCB 點累積，幫電單車友揀啱保障。

強積金（MPF）同勞保（僱員補償 EC）成日俾人混淆。本文一次過講清兩者分別 —— 一個係退休儲蓄、一個係工傷保險，邊個係咩法例、邊個僱主全付。

車保嘅無索償折扣（NCB）可以慳到一大截保費。本文解釋 NCB 點累積、claim 一次跌幾多、NCB Protection 值唔值、轉保險公司點轉移你嘅 NCB。

開公司租寫字樓要買咩保險？由法定僱員補償、辦公室財產火險、公眾責任到董事責任同網絡保險，本文一張清單講晒辦公室一族要保嘅風險。

履約保證（Performance Bond）係保證承建商履行合約嘅擔保，投標同工程合約常見要求。本文解釋 Performance Bond 點運作、同保險有咩分別、保費（bond charge）點計。

專業責任保險（PI）保障專業人士因疏忽、錯漏導致客戶損失嘅法律責任。本文解釋 PI 保咩、邊啲行業要買、claims-made 點運作同保費因素。

私家車「全保」入面其實分幾個部分？本文拆解綜合汽車保險嘅車身損失、第三者責任、醫療費三大保障，仲解釋自負額（excess）、後生司機附加自負額同舊車 betterment 點計。

產品責任保險保障因你售賣或製造嘅產品令人受傷或財物損毀嘅法律責任。本文解釋產品責任保咩、邊個要買、同公眾責任有咩分別，以及出口商點解特別要留意。

客人喺你店內跌親或受傷，要點處理先唔會由意外變成大額賠償？本文一步步講解公眾責任（PL）索賠流程，以及一個最易犯嘅錯 —— 唔好即場認責。

裝修同工程公司要買咩保險？由承建商全險 CAR、法定僱員補償、公眾責任到工具設備，本文一次過講晒，仲解釋點解開工前管理處成日要你出保單。

開餐廳要買咩保險？由法定僱員補償、公眾責任、財產火險到食品責任，本文一張清單講晒餐飲業要保嘅風險同點打包，幫你唔好漏。

開舖做零售要買咩保險？由法定僱員補償、公眾責任、財產火險、存貨到金錢同產品責任，本文一張清單講晒零售店舖要保嘅風險，幫你唔好漏。

收到拒賠信唔代表玩完。本文拆解 6 大被拒原因（未披露、除外條款、過時限等），手把手教你由攞書面理由到 ICB 調解嘅 5 步翻盤流程。

病人滑倒、激光燒傷、儀器壞、員工受傷、專業疏忽索償——診所同醫美中心一旦出事，賠償隨時食埋身家。呢篇懶人包教你 5 種必買保險點樣補位。

香港僱主請外傭，法例強制要買僱員補償保險，唔買最高罰十萬兼坐監兩年。一文拆解法定 EC、醫療住院、意外、責任同自願額外保障，仲有續約換工人要注意嘅位。

會員深蹲扭傷、教練教私人課拉傷腰、訪客喺地墊滑倒——一單索償隨時六位數。健身室／瑜伽工作室嘅 4 大保險（公眾責任、僱員補償、財產、營業中斷）一次過講清楚，邊樣法例強制、邊樣救命。

開業第一年最易漏係勞保 EC — 一請人即法定，唔買最高罰 $100,000 仲監禁 2 年。本文按行業排好優先次序，一張 checklist 講晒新公司要保咩。

學生在場跌親、火燭燒晒裝修、導師返工受傷——補習社三大風險，靠呢三張保單兜底：公眾責任 PL、僱員補償 EC、財產保。一篇懶人包睇晒邊張保得乜、保額點計。

有美國子公司、美國上市、美國客戶或投資者，董事就要面對美國證券集體訴訟同 SEC 調查。一文拆解美國 D&O 嘅 Side A／B／C、邊類公司要買、同私人公司有咩唔同。

三保、全保點揀？NCB 最高慳 60%、第三者保額、改善分擔、電動車一文睇晒。

揸自己車入大灣區，香港車保一過大橋就唔保。等效先認、大灣區第三者、港珠澳商業保險一文搞掂。

颱風、藝人甩底、場地出事，幾十萬製作費隨時化為烏有。活動取消保險保咩、點買，一文講清。

Protect concerts, sports, exhibitions and conferences against cancellation, non-appearance and adverse weather. Placed via the international specialty market by a licensed HK agency.

場地租約一句「須購買 PL 保險」，唔達標就批唔到場。活動公眾責任保咩、要幾大保額，一文講清。

Third party vs comprehensive, NCB/CFD, EV and cross-border cover - Hong Kong motor insurance (also called car insurance) explained, with quotes compared by a licensed agency.

What public liability covers, the limits malls and landlords require, and low-cost householder's PL plans - explained in English by a licensed HK agency.

All-risks cover for art, collections and valuables - agreed value, worldwide transit and the exclusions that matter. Placed with specialist insurers, including via the Lloyd's market, by a licensed HK agency.

HK Observatory expects 4-7 typhoons within 500km in 2026. A practical insurance checklist for Hong Kong businesses and property owners before typhoon season.

A 2026 HK industrial fatality spotlights Employees' Compensation (Cap. 282) — why EC is mandatory and why statutory benefits often fall short of common-law employer liability.

Hong Kong data breaches surged in 2026 (PCPD: complaints +23%, hacking +33%). Why SMEs need Cyber Insurance for breach response, ransomware and PDPO Cap.486 risk.

From 1 April 2026 Hong Kong ends EV first-registration-tax concessions. What electric vehicle owners must know about motor insurance, battery cover and Cap. 272.

Hong Kong's minimum wage rose to HK$43.1/hour on 1 May 2026. Employers must review Employees' Compensation (EC) premiums and declared wages to avoid under-declaration claim disputes.

受試者一旦受傷，一般責任保險唔會賠。倫理委員會同 sponsor 點解一定要你買臨床試驗保險？

Cyber insurance for Hong Kong SMEs explained: business email compromise, ransomware, business interruption and PDPO (Cap. 486) liability. Entry-level cover from HKD 5,000 a year, limits up to HKD 4,000,000, plus personal cyber plans from HKD 800. Licensed HK insurance agency GA1034.

Cyber insurance for Hong Kong SMEs explained in English: business email compromise, ransomware, business interruption and PDPO (Cap. 486) liability. Entry-level cover from HKD 5,000 a year with limits up to HKD 4,000,000, plus personal cyber plans from HKD 800. Arranged by a licensed HK insurance agency (GA1034).

Hong Kong's dog-friendly restaurant scheme under the Food Business (Amendment) Regulation 2026. FEHD's own guidelines tell operators to notify their insurer. What Public Liability and a shop package actually cover when a customer's dog bites, and what to check before renewal. Licensed HK insurance agency GA1034.

Hong Kong's dog-friendly restaurant scheme under the Food Business (Amendment) Regulation 2026, explained in English. FEHD's own guidelines tell operators to notify their insurer. What Public Liability and a shop package cover when a customer's dog bites, and what to check before renewal. Licensed HK insurance agency (GA1034).

A real Hong Kong employees' compensation case: a 52-year-old restaurant server bitten by a customer's dog, 22 hospital attendances, 9% loss of earning capacity, around HKD 277,000 awarded. Why the employer's verbal no-touching rule failed as a defence, and what restaurant owners must put in writing. Cap. 282 explained by a licensed HK insurance agency (GA1034).

A real Hong Kong employees' compensation case explained in English: a 52-year-old restaurant server bitten by a customer's dog, 22 hospital attendances, 9% loss of earning capacity, around HKD 277,000 awarded. Why the employer's verbal no-contact rule failed, what Cap. 282 requires, and what restaurant owners must put in writing. Licensed HK insurance agency (GA1034).

Three real Hong Kong dog-bite decisions, with awards from nil to about HKD 960,000, and what they tell a shop or restaurant operator about setting a Public Liability limit. Covers who gets sued, the scienter doctrine, special circumstances, exclusions and excess. Licensed HK insurance agency (GA1034).

Three real Hong Kong dog-bite decisions, with awards from nil to about HKD 960,000, and what they tell a shop or restaurant operator about setting a Public Liability limit. Covers who gets sued, the scienter doctrine, special circumstances, costs-inclusive limits, aggregate versus per-occurrence, exclusions and excess. Licensed HK insurance agency (GA1034).

Shop package versus standalone public liability for Hong Kong SMEs. How an SME package is built (property all risks core plus bundled liability, business interruption, money, fidelity and personal accident, with EC and privacy as add-ons), when a package wins, when a standalone PL policy wins, and the three blind spots that cost owners money at claim stage. Licensed HK insurance agency (GA1034).

Shop package versus standalone public liability for Hong Kong SMEs, explained in English. How an SME package is built (property all-risks core plus bundled liability, business interruption, money, fidelity and personal accident, with employees' compensation and privacy as paid add-ons), when a package wins, when standalone PL wins, and three blind spots that surface at claim stage. Licensed HK insurance agency (GA1034).