Business Insurance Hong Kong

Business & Commercial Insurance

Comprehensive Business Insurance for Hong Kong Companies

From small owner-operated businesses to large corporate organisations — we arrange tailored insurance packages that protect your people, your assets and your operations. From Professional Indemnity and D&O insurances to Public Liability and Office Insurances, we find the right cover at the right price.

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Your Trusted Business Partner

Competitive rates on Employee Compensation insurance

Full package cover or individual policies - your choice

WhatsApp support available at (852) 5579 5542

Key Industries

Specialists for Business Insurance Products

Professional Services,
Law Firms and
Accountants

Food and Beverage
Outlets and Chains

Financial Services Firms, Family Offices and Advisors

Start-up Packages
and
Tech firms

Great Insurance Solutions For Your Business

We understand that no two Hong Kong businesses are the same. A restaurant in Wan Chai has very different risks to a financial advisory firm in Central or a construction contractor working in the New Territories. That is why we take a bespoke approach — meeting with you, understanding your operations and building an insurance programme that genuinely protects what you have built.

What insurance does my Hong Kong business legally require?

The Employees' Compensation Ordinance requires all Hong Kong employers to hold valid Employees' Compensation insurance. Depending on your sector, you may also need Public Liability, Professional Indemnity or other specific covers. We will advise you on your statutory obligations as part of your free consultation.

How many insurance products do you arrange for businesses?

We arrange over 17 categories of business insurance cover - from standard property and liability policies through to specialist products such as Cyber Insurance, Fidelity Guarantee, Management Liability and Contractors All Risks. We can place individual policies or build a comprehensive commercial package.

How experienced is your team in Hong Kong business insurance?

Our Executive Director, Josh Lynch, has over 14 years of experience in the insurance industry - including senior roles at Lloyd's of London and Generali across London, Singapore and Hong Kong. The team combines international expertise with deep knowledge of the local Hong Kong market and regulatory environment.

What Our Clients Say

What Our Business Clients Say

Daniel Foster

Hong Kong

^“MGG's team built a business insurance package that truly fits our operations in Hong Kong. From liability to employee protection, every detail was clearly explained. Their professionalism gave us confidence from day one. _“

Managing Director

James O’Brien

Hong Kong

^“Michael Hurley’s knowledge of the equine industry is exceptional. He doesn’t just arrange a policy — he explains exactly what the cover means for your horse and ownership structure. We now have complete confidence that we are properly protected. _“

Racehorse Owner

Sophia Bennett

Hong Kong

^“We needed urgent event cancellation and public liability cover for a corporate function in Hong Kong. The team arranged everything quickly and explained the risks clearly. Their service removed a huge amount of stress from the planning process. _“

Event Planner

Aarav Mehta

Hong Kong

^“Their medical insurance advice was clear, honest, and highly personalised. They helped us compare international plans and select the right family cover without overcomplicating the process. Excellent service throughout. _“

Private Client

Edward Collins

Hong Kong

^“Finding proper agreed-value cover for classic vehicles can be difficult, but Michael’s team made it seamless. The attention to detail and understanding of collector needs was outstanding. I wouldn’t insure my collection anywhere else. _“

Classic Car Collector

Oliver Hughes

Hong Kong

^“Their yacht insurance knowledge is second to none. From marina liability to storm damage risks, every aspect was covered thoroughly. When we needed advice during renewal, the support was immediate and highly professional. _“

Yacht Owner

We Have More
Than 5k Global Clients

Frequently Asked Questions

Business Insurance - Your Questions Answered

Is Employees' Compensation insurance compulsory in Hong Kong?

Yes. Under the Employees' Compensation Ordinance (Cap. 282), all Hong Kong employers are legally required to hold valid Employees' Compensation (EC) insurance covering all employees — including part-time and casual workers. Failure to maintain EC insurance is a criminal offence. We can arrange EC cover quickly and competitively.

What is the difference between Public Liability and Professional Indemnity?

Public Liability covers your legal liability for bodily injury or property damage caused to third parties by your business operations — for example, a customer slipping in your shop. Professional Indemnity covers claims arising from errors, omissions or negligent advice in the professional services you provide. Many businesses need both.

Do I need Cyber Insurance for my Hong Kong business?

Increasingly, yes. Hong Kong's Personal Data (Privacy) Ordinance creates obligations around data protection, and a cyber breach can result in regulatory fines, legal costs and significant business disruption. Cyber Insurance is now relevant for any business that stores customer data, processes payments online, or relies on IT systems to operate.

How quickly can you arrange business insurance?

For standard commercial covers such as Employees' Compensation and Public Liability, we typically provide quotes within 24 hours and can bind cover the same day if required. More complex or specialist risks may take 2–3 business days. Contact us on (852) 2877 8006 or WhatsApp (852) 5579 5542 for urgent requirements.

Can you arrange insurance for a business new to Hong Kong?

Absolutely. We regularly assist businesses setting up in Hong Kong — arranging the right insurance package from day one. Whether you are a new startup, a branch of an overseas company or a business in the process of incorporating, we can advise on your insurance obligations and arrange cover quickly.

Do you offer annual policy reviews?

Yes. We proactively contact our business clients ahead of renewal to review their cover, benchmark premiums against the market and identify any gaps or changes needed. Your business evolves — your insurance should too.

Can I speak to someone directly rather than filling in an online form?

Of course. You can call us at (852) 2877 8006, WhatsApp us at (852) 5579 5542 or email enquiries@mgginsurance.com. Our team is based in Sheung Wan, Hong Kong and is happy to meet in person or arrange a video call.

What We Offer

OUR POPULAR SERVICES

At M.G. Geraghty, we combine decades of expertise with a personal approach to insurance broking. Whether you need cover for your business, your family, or something truly specialist — we find the right solution at the right price.