保險Wiki識多一點 買啱一點用人話講保險，每篇 5 分鐘，睇完即刻識揀。精選香港汽車保險完全指南：三保、全保、NCD 一文睇晒三保、全保點揀？NCD 最高慳 60%、第三者保額、改善分擔、電動車一文睇晒。請外傭唔買保險 隨時罰十萬坐監兩年？一文睇清家傭保險法定要求同保障僱員補償保險：唔買最高罰 HK$100,000按分類揀文章全部全部懶人包懶人包5 分鐘搞懂5 分鐘搞懂老闆必讀老闆必讀個人保險個人保險慳錢攻略慳錢攻略真實案例真實案例行業新聞行業新聞老闆必讀 隻狗唔係你嘅，點解你要賠？餐廳老闆最易忽略嘅「佔用人責任」2026年8月31日准狗入場嘅食肆，除咗狗主責任，仲要面對《佔用人法律責任條例》下對訪客嘅謹慎責任。本文用判例拆解告示同現場管理嘅分別，以及邊張保單可以接得住呢條責任，幫你逐項核對。老闆必讀 It Was Not Your Dog. You Can Still Be Liable: Occupiers' Liability for HK Restaurants2026年8月31日In one real case the registered dog owner walked free, and the keeper and the occupier did not.老闆必讀 劏房變簡樸房：業主開工改建之前，要搞掂嘅三張保單2026年8月31日劏房業主喺《簡樸房條例》登記同認證死線之外，仲要重新檢視承建商保單、家居火險同公眾責任保障夠唔夠，避免因為冇通知風險改變或未登記出租而喺索償時被拒賠。老闆必讀 From Subdivided Flat to Basic Housing Unit: Three Policies to Settle Before the Works Start2026年8月31日Registration closes 28 February 2027; a day later, renting an unregistered unit is a crime.5 分鐘搞懂網約車新制：私家車車主想接單，而家實際要做咩？2026年8月31日2026 年 8 月 3 日生效，私家車接平台單唔再一定違法，但三張牌爭一張都接唔到單。5 分鐘搞懂Hong Kong Ride-Hailing: What a Private Car Owner Actually Has to Do2026年8月31日Three licences, a 12-year age limit on the car, and only 10,000 vehicle permits to go around.個人保險攞到網約車許可證，你張私家車保單其實唔保「載客取酬」2026年8月31日網約車新制之下，車輛許可證嘅法定條件入面有一項，車主最容易當咗係行政手續：就網約車用途而言屬有效嘅第三者風險保險。呢篇文只講呢一項。你會見到一件幾諷刺嘅事：條例四處提到呢個要求個人保險Your Private Car Policy and Ride-Hailing: The Use Clause Problem2026年8月31日Permits open in Q4 2026. Take one paying passenger on an unchanged policy and the claim decides it.懶人包水退之後嗰 72 小時：浸水私家車同入水地舖，索償點做先賠得足2026年8月31日黑雨除下、水退咗，最難嗰段先開始。私家車浸到儀表板、地舖一地泥水，之後三日做過啲乜，直接決定份索償（claim）賠幾多，甚至賠唔賠。呢篇唔講「包唔包」，講事後執行。懶人包The 72 Hours After the Water Goes Down: Flood Claims for Cars and Shops in Hong Kong2026年8月31日The first move after the water drains is not the phone call. It is: do not start the car.懶人包搬爛咗賠你三百蚊：搬屋公司責任上限，同你張保單之間嗰條罅2026年8月31日消委會查過 20 間搬運公司，11 間寫明每件封頂。呢類上限，法律上企唔企得住？懶人包Broken in the Move, Capped at HK$300: Mover Liability Limits and the Gap in Your Own Cover2026年8月31日The Consumer Council checked 20 movers: 11 cap what they pay per item. Who covers the rest?暫時未有呢個分類嘅文章試下揀「全部」或者其他分類。Load More全部文章隻狗唔係你嘅，點解你要賠？餐廳老闆最易忽略嘅「佔用人責任」It Was Not Your Dog. You Can Still Be Liable: Occupiers' Liability for HK Restaurants劏房變簡樸房：業主開工改建之前，要搞掂嘅三張保單From Subdivided Flat to Basic Housing Unit: Three Policies to Settle Before the Works Start網約車新制：私家車車主想接單，而家實際要做咩？Hong Kong Ride-Hailing: What a Private Car Owner Actually Has to Do攞到網約車許可證，你張私家車保單其實唔保「載客取酬」Your Private Car Policy and Ride-Hailing: The Use Clause Problem水退之後嗰 72 小時：浸水私家車同入水地舖，索償點做先賠得足The 72 Hours After the Water Goes Down: Flood Claims for Cars and Shops in Hong Kong搬爛咗賠你三百蚊：搬屋公司責任上限，同你張保單之間嗰條罅Broken in the Move, Capped at HK$300: Mover Liability Limits and the Gap in Your Own Cover大維修批預算之前：法團手上嗰張「大廈保險」，其實應該係四張Before the AGM Approves the Repair Budget: The Owners' Corporation Policy Is Really Four平台工傷擬立法：你唔係平台，但請自由工作者一樣可能要買勞保Not a Platform, Still Liable: Employees' Compensation When You Hire Freelancers勞保唔係買完就完：年結「調整保費」點解會突然叫你補錢The EC Bill That Arrives After the Policy Ends: Premium Adjustment and Wage Declaration消防處通知書未遵辦，火燭咗保單仲賠唔賠？An Outstanding Fire Safety Direction: Will Your Policy Still Pay After a Fire?屋苑裝咗充電樁，火燭邊個賠？車主、法團同停車場營運者嘅三條責任線An EV Charger Fire in Your Estate Car Park: Who Actually Pays?法團買咗法定保險，唔等於買夠：第三者風險保單嘅三個唔包Compulsory Does Not Mean Complete: Three Gaps in an Owners' Corporation's Third Party Risks Policy收到強制驗樓通知之後：法團同業主各自要睇住嘅四張保單After the Mandatory Building Inspection Notice: Four Policies to Check Before the Scaffolding Goes Up火險、家居保、大廈統保：一場火燒完，三張單各賠邊部分Fire, Home and the Building's Master Policy: Which One Pays for What After a Fire爆水喉漏水浸到樓下：家居保險賠唔賠，睇你頭 30 分鐘A Burst Pipe Flooded the Flat Below: From Shutting the Valve to Getting Paid舖頭保額點計先啱？報少咗，賠款會按比例扣How Much Should Your Shop Be Insured For? Underinsurance and the Average Clause加自負額慳保費，幾時抵幾時中伏？先分清邊個自負額係你揀嘅Raising Your Excess to Cut the Premium: Which Ones You Actually Get to Choose請一日散工都要買勞保：老闆最貴嘅誤會叫做「418」Part-Time and Casual Staff in Hong Kong: The 418 Rule Is Not an Insurance Test狗隻入食肆新制：准客人帶狗入座之前，你要問保險公司三條問題Dogs in Hong Kong Restaurants: Three Questions to Ask Your Insurer Before You Let Them In顧客隻狗咬親伙計：一單真實工傷索償，賠咗二十七萬A Customer's Dog Bit Our Waiter: A Real Hong Kong Employees' Compensation Claim狗咬人賠幾多？三單香港判例，同你張公眾責任保額What a Dog Bite Costs in Hong Kong: Three Court Decisions and Your Public Liability Limit商業套裝 vs 散買公眾責任：舖頭老闆點揀？Shop Package or Standalone Public Liability? A Decision Guide for Hong Kong SMEs一封假 email，成盤生意停三日：中小企網絡保險點揀？One Fake Email Stopped the Business for Three Days: Cyber Insurance for Hong Kong SMEs活動保險：單次定全年保？2026 主辦單位點揀至抵One-Off vs Annual Event Insurance: What Hong Kong Organisers Should Know in 20262026 颱風季殺到：香港企業同業主嘅保險準備清單2026 工業意外頻生：僱員補償（EC）你又保夠未？2026 香港數據外洩急升：中小企點解一定要有網絡保險2026 電動車稅務優惠完結：揸電動車保險要留意嘅五件事最低工資 5 月加到 HK$43.1 — 僱主嘅僱員補償保費同申報工資要即刻檢視臨床試驗保險：Sponsor、CRO、研究機構要知嘅事香港汽車保險完全指南：三保、全保、NCD 一文睇晒港車北上保險全攻略：香港車保唔夠，仲要買咩？活動取消保險全攻略：演唱會、展覽、婚禮點保？Event Cancellation Insurance in Hong Kong: A Guide for Organisers活動公眾責任保險：場地要求點滿足？Motor Insurance in Hong Kong: Third Party vs Comprehensive (English Guide)Public Liability Insurance in Hong Kong: An English Guide for Businesses and OwnersFine Art Insurance in Hong Kong: An English Guide for Collectors and Galleries保險索償被拒點算？6 大常見原因 + 翻盤 5 步教你救返單 claim診所／醫美中心一單醫療疏忽索償隨時數百萬：5 個保險缺口你補咗未？請外傭唔買保險 隨時罰十萬坐監兩年？一文睇清家傭保險法定要求同保障開健身室／瑜伽工作室，一單會員拉傷就賠到肉痛？4 大必買保險懶人包開業第一年買咩保險？新公司老闆最易漏嘅 7 樣（中小企 checklist）補習社／教育中心要買咩保險？小朋友跌親、火燭、導師工傷一篇睇晒有美國業務或喺美國上市？美國 D&O（董事責任保險）同普通 D&O 差在邊承建商全險 CAR：一個工地意外賠到你窮美容院／醫美中心要買咩保險？商業車／車隊保險：貨車、客貨車、車隊點保？公司董事一定要買 D&O 嗎？中小企老闆要知嘅事僱員補償索賠流程：由工傷到賠償，僱主要做咩網店／電商要買咩保險？電動車（EV）保險：電池、輔助駕駛、以新換舊有咩要留意？物流／倉庫／運輸公司要買咩保險？車禍索賠流程：撞車之後，由現場到賠償要做咩車保保費點計？8 個影響因素同慳錢位電單車保險：法例要求、全保定三保、點揀至啱強積金 vs 勞保（僱員補償）— 唔好搞亂兩樣嘢無索償折扣（NCD）：點儲、點保護、轉公司會唔會冇咗？寫字樓／辦公室要買咩保險？履約保證 Performance Bond：保業主，唔係保你專業責任保險 PI：一封投訴信告你專業疏忽私家車全保到底保啲咩？條款、自負額、betterment 一次睇清產品責任保險：你件貨整親人，責任喺邊？公眾責任索賠流程：客人喺舖頭跌親，你要點做？裝修／工程公司要買咩保險？餐廳保險：買咗套裝，食物中毒都未必賠零售店舖要買咩保險？藝術品保險懶人包：你的收藏夠保障嗎？旅遊保險買邊間好？3 個揀法幫你決定公眾責任保險：舖頭、辦公室、活動都要買？僱員補償保險：唔買最高罰 HK$100,000ICC A、B、C — 三個字母差幾遠？活動取消保險：掛八號風球點算？公司保險自測：你漏咗邊份？車保綜合 vs 三保 — 差幾遠？租樓都要買家居保險？自己買、搵保險經紀、搵保險代理：邊個適合你？董事責任保險：公司高管嘅最後防線網絡保險：你間公司嘅數據值幾多？貨物運輸保險索償：由開箱嗰一刻開始講起颱風季節商業保險：老闆五月前必做嘅 check藝術品國際運輸保險：送畫去海外展覽前要搞清楚嘅幾件事
