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poseidon75 03 May 2017
Domestic Helper

Personal Liability Insurance for DH

Hello,

Does anybody know if a domestic helper can obtain a personal liability insurance cover in Hong Kong?

If yes, any tips which underwriter offers such policy?

Appreciate all your feedback.


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poseidon75 OP · 3 May

Dear Andy, Thank you for your quick reply. So she would be covered for damages that she might accidentally do in my household, correct? Any idea what would be the annual premium? Many thanks again.

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thelisteningguy · 3 May

Hi, The annual premium is $730 and these are some of the things included in the plan: Domestic Helper Personal Liability: 100,000/year Protect your domestic helper against the personal legal liability in respect of third party bodily injury and/or property damage arising out of negligence of your domestic helper within Hong Kong. Household Property: 2,500/year Compensates for household appliances and/or furniture at your home which are accidentally damaged by your domestic helper. Maximum amount recoverable for any one item/pair/set is HK$1,000. Fidelity Protection: 6,000/year Compensates you for your financial loss caused by fraud or dishonesty of your domestic helper, including a HK$3,000 unauthorized long distance call cover per annum. If you want to know more details, feel free to send me an e-mail to [email protected] We can set up a phone or face to face appointment. Hope this helps!

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thelisteningguy · 3 May

Hi, The insurance for domestic helper at Prudential includes $100,000/year coverage of the domestic helper personal liability. As an owner you can consider getting this for her! Hope this helps, Andy