Get clear before you buy — in-depth articles breaking down one topic at a time, updated weekly.
Hire contractors directly for your fit-out and you may be liable for a worker's full injury claim — the Employees' Compensation Ordinance's principal contractor rule, and what CAR/EAR insurance covers.
Read →Clear breakdown of the EC insurance premium formula, the 5 factors that drive your rate, and legitimate ways to keep costs down.
Read →Your landlord asks for fire insurance, but it only covers the building — not your computers, furniture, or stock. A clear breakdown of fire insurance, property all-risks, and public liability.
Read →A common misconception in medical aesthetics and beauty: public liability covers premises accidents, but many policies exclude claims arising from the treatment itself. Here's which policy actually pays out.
Read →Public liability covers your premises, product liability covers what you sell — what F&B, retail, and online sellers need to know about the difference, and where the statutory line sits.
Read →Real estate agents and photographers doing commercial drone work often fall into the legally-required-insurance category — and public liability policies usually don't cover it. What's required, and how much cover you need.
Read →The EC Ordinance requires reporting within 14 days (7 for fatalities), or risk a HK$50,000 fine — deadlines and 3 common mistakes explained.
Read →You don't need a big headcount — free cover limits, employer tax treatment, and plans that accept 2-3 employees.
Read →Rent and salaries still go out when you're closed — what BI insurance actually covers, and how indemnity periods work.
Read →Not a legal requirement, but landlords and malls demand it anyway — when you actually need it and how much cover is enough.
Read →Who's legally required to be covered, who isn't, and how to avoid the "false self-employment" trap.
Read →Legal requirements, minimum coverage, premium calculation, common pitfalls — a must-read once you have staff.
Read →Lease requirements, choosing your coverage amount, the difference between public and product liability.
Read →What fire insurance doesn't cover, choosing your BI indemnity period, the four most common pitfalls.
Read →The no-underwriting advantage, minimum group size, planning it alongside MPF into one benefits package.
Read →What CAR / EAR covers, machinery breakdown protection, and the coverage gap in drone-based survey and building inspection work.
Read →New guides go up every week — if there's an insurance question you'd like answered, WhatsApp us, and popular requests get written up first.
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