Assets Protection

Enterprise Guard Plus

Why Enterprise Guard Plus? 

Designed to offer wide standard coverage with optional additional coverage 

Chubb understands that SMEs are usually more vulnerable to fluctuating economic conditions and business interruptions due to smaller cash flows. That is why we have designed Enterprise Guard Plus, a package policy that covers you against unexpected expenses in running your business.

Coverage Highlights: 

Coverage Highlights

Section 1 – Material Damage

  • Covers accidental physical loss of or damage to content and stock contained in the business premises
Section 2 – Business Continuity
  • Covers additional expenditure incurred within 12 months after an insured loss in order to restore normal conduct of business
Section 3 – Money
  • Covers the loss of cash, cheques, order and stamps
Section 4 – Liability
  • Covers legal liability for bodily injury and/or property damage arising out of your business activities anywhere within Hong Kong
Section 5 – Employee Dishonesty
  • Covers direct pecuniary loss due to fraud or dishonest act committed by any employee
Section 6 – Personal Assault
  • Covers insured person who suffers bodily injury from robbery or attempted theft
Section 7 – Employees’ Compensation (Optional)
  • Covers employer’s legal liability for bodily injury to employees arising out of and in the course of employment
Section 8 — Privacy Liability (Optional)
  • Covers legal liability for Privacy Claim first made during the Period of Insurance resulting from the mishandling of personal data


Preferred Industries:

  • Office & Service Business 
  • Retailers 
  • Food & Beverage (F&B)
  • Education 
  • Medical, Vet & Dental Centers 
  • Health and Beauty

Contact Us

Contact your Relationship Manager
Contact your Relationship Manager
Call 2198 8000
Call 2198 8000


i. The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

ii. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any   dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.

iii. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.