Get a Business Insurance Quote in Hong Kong

Whether you need a business package, professional indemnity, directors and officers cover, liability, cyber insurance, or a combination, tell us about your business and Alea compares the market and comes back with options that fit your risk and budget, at no extra cost.

Not sure which cover you need?

That is a common starting point. Tell us what your business does and how it operates, and an advisor will recommend the lines that genuinely apply rather than a default package. See business insurance for Hong Kong SMEs for an overview first.

What you need to request a quote

• Your industry and the nature of your business

• Whether you have physical premises, and their size and use

• The number of employees

• Which specific risks concern you most, if you already have a view

What happens next

An advisor reviews your business and compares suitable insurers across the relevant lines, explains the options in plain terms, and places the policy or policies you choose. Where your business needs more than one line of cover, we look at whether a combined package from a single insurer, or a mix of specialists for different lines, gives you the better outcome, since this varies by business and is not always the same answer.

Cover we can arrange

• Business package, for property and interruption.

• Professional indemnity, for advice or professional services.

• Directors and officers, to protect your leadership personally.

• Public and general liability, for third-party claims.

• Cyber insurance, for data breach and attack costs.

If your business has grown since you last reviewed cover

Many requests come from businesses whose insurance has not kept pace with how the company has changed, for example after taking on investment, moving to larger premises, or starting to hold more customer data than before. If this describes your situation, mention it in your message, since it usually means the review should cover more ground than a straightforward renewal comparison.

How we approach a multi-line request

When a business needs several types of cover at once, rather than a single line, we typically start by understanding the business as a whole before pricing anything, since the right structure is not always the same as simply buying each line separately. In some cases, a single insurer offering a combined commercial package across several lines gives a better overall price and a simpler renewal than sourcing five separate policies. In others, particularly for professional indemnity or directors and officers cover, a specialist insurer for that specific line outperforms a generalist commercial insurer's version of the same cover. Working out which approach suits your business is part of what an advisor does before quotes are even sought, not something left for you to assemble from separate conversations with several providers.

What to expect if you need professional indemnity specifically

Professional indemnity quotes typically need a little more detail than the other lines: the nature of the advice or service you provide, your typical contract value or client size, and whether you have had any claims or circumstances that could give rise to one in the past. This is because the risk in professional indemnity is tied closely to the specific nature of the work, in a way that property or general liability risk is not, so insurers ask more targeted questions to price it accurately. None of this should be a barrier to getting a quote, but it is useful to know in advance that this particular line involves a slightly more detailed conversation than, for example, a straightforward business package for an office.

What to expect if you need directors and officers cover

D&O quotes usually require some basic information about the company's structure and finances: the number of directors, whether the company has raised external investment and how much, and its most recent financial statements if available. Growth-stage companies preparing for a funding round often find it useful to have this cover, or at least firm quotes for it, in place before the round closes, since investors increasingly ask about it as part of their own due diligence, and having the answer ready avoids a delay at a sensitive point in the fundraising process.

What to expect if you need cyber insurance

Cyber quotes typically ask about the type and volume of personal data you hold, whether that is customer records, employee data, or payment information, and what basic safeguards are already in place, such as staff training, backups and access controls. You do not need enterprise-grade security already in place to obtain cover, but insurers do want a realistic picture of your current practices, since this shapes both the price and, in some cases, a short list of practical improvements they recommend as part of taking out the policy.

Complete your protection

Many companies arrange this alongside compulsory Employees' Compensation cover and group medical benefits. Tick the relevant box and we will quote everything together.

A note on timing for renewals

If you already hold one or more of these covers and are simply looking to check the market ahead of a renewal, mention your current renewal date on the form. Starting the comparison process a couple of months ahead of that date, rather than in the final week, gives enough time to properly assess alternatives and negotiate before you need to make a decision, in the same way it does for group medical or Employees' Compensation renewals.

What if you need cover in more than one jurisdiction

Some businesses requesting a quote operate not only in Hong Kong but also have a presence, staff, or clients elsewhere in the region. Tell us this at the outset, since it affects which lines of cover are relevant, for example whether professional indemnity needs to respond to a claim brought outside Hong Kong, and whether a single insurer can cover the full scope of the business or a combination of local and regional policies is the better structure. This is a common situation for growing Hong Kong businesses expanding into nearby markets, and it is worth raising early rather than discovering a gap in cover after the business has already expanded. The same applies to a Hong Kong subsidiary of an overseas parent, where head office may already hold some global cover that either does, or does not, adequately extend to the local entity, and this is worth checking explicitly rather than assuming.

A final word on choosing between insurers once quotes arrive

Once you have a small number of comparable quotes in hand, the decision usually comes down to a mix of price, the insurer's reputation for handling claims fairly and promptly in the specific line of cover concerned, and any policy wording differences an advisor has flagged as material rather than cosmetic. For business package and liability cover, price and straightforward service history tend to dominate the decision. For professional indemnity and D&O, the insurer's approach to defending a claim, not just paying one, matters enough that it is worth asking directly how each insurer typically handles a contested matter before choosing on price alone.

Market context

Hong Kong's insurance market recorded approximately HK$637.8 billion in total gross premiums in 2024 according to the Insurance Authority, across a broad range of licensed insurers. For a business requesting quotes across several lines at once, that scale is genuinely useful: it means real competition exists on each line, and a comparison across multiple insurers is a realistic exercise rather than a formality.

Ready? Request your business insurance quote, or talk to an advisor.