Business Protection | Enterprise Insurance

PRUChoice Shop Insurance

Protect your shop space and livelihood against unexpected risks

Product brochure

Keeps the contents in your shop safe

We protect the contents in your shop, in-store decorations, as well as sample and trade stocks

Covers the cost of business interruptions

After an accident, we cover your expenses required to resume normal business operations

Personal accident protection for your staff

We pay for death or disablement, should you and your staff get attacked during a robbery or theft

Public liability coverage

You’re safe from legal liability due to negligence – for 3rd party bodily injury / property damage

Learn more

Why are there 2 sub-sections under Shop Contents?

We understand that you may be confused with the 2 sub-sections listed in our product brochure.

There are two kinds of shop contents that we offer coverage for:

General contents
Sample and trade stocks

The claim limit for sample and trade stocks kept in a shop differs according to the nature of your business.

So, for your convenience, we’ve divided them, so you can select your sum insured for both categories separately.

Will my shop’s neon sign or signboard be insured?

Yes, when you’re insured under this plan, you’ll get full protection.

In the event of the accidental loss of or damage to your neon sign or signboard, we’ll compensate you for the cost of repair or replacement (up to HKD10,000 per year). We also protect you against legal liability caused by your neon sign or signboard (up to HKD1,000,000 per year).

What is a seasonal increase? How does it work?

During the peak season from 1 December to 1 March each year, your claim limit for sample and trade stocks will increase by 20%. We make this adjustment automatically and it comes at zero extra cost to you.

Notes

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

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.

Applicable on or after 31 December 2019.