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Business Interruption Insurance returns your business operated as normal to against any interference occurred
Provide indemnity for consequential loss resulting from business interrupt caused by accident.
Your normal business activities may be interrupted or interfered when your property is destroyed or damaged caused by fire, water or other accidents. In addition to the direct material damage, you may incur additional expenditure to avoid reduction in revenue or even loss your productive capacity or future earning power until your damaged property is completely restored to pre-accident condition. Business Interruption Insurance will provide indemnity for consequential loss resulting from such interruption or interference and avoid you from sustaining such financial losses in the event of an accident.
Governing Law of Policy: Hong Kong Special Administrative Law
- The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
- The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd..
Insurance Authority Premium Levy
Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.
Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.
Policy Inception Date and/or Annual Anniversary Date
Applicable Levy Rate
Cap Per General Insurance Policy Per Policy Year (HK$)
From 1 Apr 2019 till 31 March 2020
(both dates inclusive)
From 1 Apr 2020 till 31 March 2021
(both dates inclusive)
From 1 Apr 2021 onwards
China BOCOM Insurance Co., Ltd.
Please visit the website of China BOCOM Insurance Co., Ltd. (www.cbic.hk) for more information about the China BOCOM Insurance Co., Ltd. or download the form which is applicable to this insurance plan.
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited (the “Bank”). 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank 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 between directly China BOCOM Insurance Co., Ltd. and the customer.