The information contained in this Website is a general summary. All terms and conditions are set out in the policy.
Marine Cargo Insurance
Marine Cargo insurance provides protection for loss of or damage to your cargoes during the course of transit from one place to another in the world.
Coverage is usually affected on a 'per voyage' basis and can either be affected by the buyer or the seller depending on the contract of sales.
Marine Hull Insurance is as old as Insurance itself for which Tugu Insurance has specialized in the variety of vessel types, especially Barge, Tugboat, Bulk Carrier, Container/General Cargo Vessel, New Ship Building, Ocean Tanker & etc for well over forty years.
This insurance provides you with a financial protection against business interruption and subsequent loss of gross profit or additional expenditure following accidental loss of or damage to property caused by the perils insured under material damage insurance policy.
Contractors' "All Risks" Insurance
This insurance provides cover against sudden and unforeseen physical loss of or damage to contract works and it also covers the legal liability for bodily injury or damage to physical property arising out of the performance of the contract works to third party.
Domestic Helper Insurance
This insurance provides you with a comprehensive package covering your helper in the event of illness including cancer and heart disease, visits to the doctor and dentist, as well as stays at a hospital. It also provides you with the insurance coverage you are legally required to provide for your Domestic Helper and against her infidelity behaviour.
This insurance provides cover against sudden and unforeseen physical loss of or damage including mechanical and electronic breakdown to electronic equipment(e.g. computer equipment etc.)
Employees' Compensation Insurance
This insurance provides you as an employer against legal liability under Employees' Compensation Ordinance and at Common Law for compensation and cost incurred in respect of accidental bodily injury or death or disease sustained by the employees arising out of and in the course of employment.
This insurance provides you with a protection for your property or assets against loss destruction or damage caused by fire, lightning or domestic explosion. Additional covers can be provided for other perils, such as typhoon, windstorm and flood, bursting or overflowing of water tanks, apparatus or pipes, sprinkler leakage, earthquake, explosion, aircraft, vehicle impact, riot and strike and malicious damage.
This insurance provides you with a comprehensive protection for your valuable golf equipment and personal belongings as well as covering you against bodily injury or death whilst playing golf in the world up to HK$500,000.00. It also covering the legal liability to third party for bodily injury or property damage caused by you whilst playing or practising golf and reimbursement of expenses for you to celebrate your hole in one.
This insurance provides you with a comprehensive protection for your sweet home in respect of household contents, building structure, personal belongings as well as public and personal liability to third party.
This insurance provides cover against sudden and unforeseen physical loss of or damage to Machinery from any cause, such as faulty design, faulty operation, lack of skill, tearing apart on account of centrifugal force, short circuit, shortage of water in boilers and physical explosion or from any other cause not specifically excluded.
Money Insurance
This insurance protects you against loss of Money belonging to you for the Trade or Business by any cause, such as Fire, Burglary and Robbery. It also covering the cost of repair or replacement of the safe or strongroom containing Money be damaged as a result of theft.
This insurance provides you with a comprehensive protection of your car in respect of the own damage of vehicle and also covering you against legal liability for bodily injury or death and property damage to third parties.
This insurance protects you against legal liability for bodily injury or death and property damage to third parties whilst driving the motor vehicle for motor trade purpose in accordance to Road Traffic (Registration and Licensing of Vehicles). Regulation in the course of delivery an unregistered vehicle to a motor dealer, customer or exhibitor and/or for the purpose of presale demonstration to a potential customer.
This insurance provides you with a comprehensive protection for your office. The protection includes accidental loss of or damage to the office contents, increase in cost of working, loss of money, employees' compensation and public liability to third party.
Personal Accident Insurance
This insurance provides you with a protection for your accidental bodily injury, death, permanent total disablement, temporary total or partial disablement as well as reimbursement of medical expenses incurred in the accidental bodily injury.
Property "All Risks" Insurance
This insurance provides you with a wider protection for your property or assets against accidental loss or damage caused by all perils, unless otherwise excluded from the policy, such as fire, burglary and water damage.
This insurance protects you against legal liability for accidental third party bodily injury or third party property damage including legal costs recoverable by any claimant from you.
This insurance provides you with a comprehensive protection for your shop in respect of trade contents, stocks, money as well as employees' compensation and legal liability to third party.
Travel Insurance
This insurance provides you with protection abroad, the coverage including loss of baggage, loss of personal money or travellers cheques, personal accident, medical expenses, cancellation and curtailment expenses and personal liability.
