Property Owner’s Liability Insurance

Comprehensive Coverage to
Protect Property Owners

Property Owner’s Liability Insurance protects you in cases where you may be held legally liable for injuries, death and/or property damage to third parties happening in or arising from the insured premises.

  • Features
  • Coverage
  • Extensive Coverage to Protect You as a Property Owner

  • Damage to neighbour’s property resulting from insured’s negligent and held liable under the laws

  • Household items fallen off windows causing third party bodily injury, death or property damage

  • Incorporated owner’s liability not properly or sufficiently insured for, rendering individual property owners liable for the shortfall in compensation to the plaintiffs

  • Injury to visitors occurring within the insured premises

  • Applicable to Various Types of Buildings

  • Suitable for various types of structures, including residential, commercial and industrial buildings

  • Cover properties up to 40 years old

  • Up to HK$10 Million of Protection

  • Customize your coverage to meet your needs with an optional indemnity limit of HK$5 million or HK$10 million for any one event (with unlimited occurrences during the period of insurance)

  • Your coverage includes legal costs and any expenses incurred

  • Expand your Coverage

  • For renovation taking less than 30 days and costing less than HK$50,000 for FREE, contingent liability will protect you for up to HK$1 million at no additional cost

  • Contingent liability coverage can be customized to suit your needs at a preferential rate

Policy Coverage

Residential Building Commercial Building Industrial Building
Limit of Liability (HKD) Annual Premium (HKD)
1. HK$5,000,000 for any One Accident and the Aggregate Limited of indemnity for Any One Period is Unlimited. 500 600 1,000
2. HK$10,000,000 for any One Accident and the Aggregate Limit of indemnity for Any One Period is Unlimited. 850 1,000 1,700
3. Others, Please specified: Premium TBA

Major Exclusions

  • 1. Libel, slander, defamation, infidelity behaviour, deception, criminal and/or illegal acts, etc.
  • 2. Act of terrorism
  • 3. Claim occurred prior to policy inception
  • 4. Loss within policy excesses
  • 5. Liability arising from contamination, pollution, asbestos, etc.
  • (For details, please refer to the policy)

Excesses Applicable

For private residential buildings:
1. The first HK$1,500 or 10% of the adjusted loss (whichever is the greater) in respect of each and every loss to third party property caused by water
2. The first HK$500 in respect of each and every loss to third party property caused by other occurrence

For commercial building/industrial buildings:
1. The first HK$3,000 or 10% of the adjusted loss (whichever is the greater) in respect of each and every loss to third party property caused by water
2. The first HK$1,000 in respect of each and every loss to third party property caused by other occurrence

The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific details, terms and conditions applicable to this insurance are set out in the Property Owner's Liability Insurance Policy to be issued by QBE Hongkong & Shanghai Insurance Ltd.

This webpage does not constitute advice to buy or an offer with respect to any insurance products. Customers should not apply for any of the insurance policies based on information on this promotional material alone. Customers should read and understand the details of the Insurance Plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure they meet their personal needs.

The above mentioned insurance plans are underwritten by QBE-HKSI. QBE-HKSI will be responsible for providing insurance cover and handling claims under their respective policies. CCB (Asia) is an authorised agent of QBE-HKSI to distribute general insurance products in Hong Kong and is not an issuer of any insurance plans. QBE-HKSI is an authorised general insurer in Hong Kong and is regulated by the Insurance Authority. 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 CCBA and the customer out of the selling process or processing of the related transaction, CCBA is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE-HKSI and the customer.