Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Information, not advice; we refer to a licensed Hong Kong broker.

What if a customer is injured at my shop or stall?

Hong Kong Insurance Connect: Public liability covers insured legal liability, not every customer injury. Check your business, premises and event terms. Employee injuries and defective-product claims need separate assessment. Checked on . [C1, C2, C3]

Checked on · Public sources; general information, not advice.

What does public liability cover in principle?

IA notes describe cover for the insured’s legal liability for accidental third-party injury, death or property damage, with policy limitations and legal-expense provisions. An injury at your shop or pop-up does not by itself establish your liability or the insurer’s payment obligation. Ask a licensed broker to review the incident against your wording. [C1]

What if the injured person works for me?

Do not treat employee injury as an ordinary customer claim. Labour Department guidance requires employers to insure their liabilities for work injuries involving employees, including temporary and part-time workers. Check the employment facts and employees’ compensation arrangements separately; a short event does not remove that requirement. [C3]

What if the injury comes from something I sold?

IA distinguishes products liability, including injury or damage caused by goods supplied away from the insured’s premises, from public liability at the premises. Describe where the injury happened and how the goods were involved. Ask the insurer which section responds; neither the label “customer accident” nor “defective product” settles your policy’s cover. [C1, C2]

Can I rely on the venue’s policy or an indemnity clause?

Ask for written confirmation of who is insured, the declared activity, location and event period. Do not presume a landlord’s or organiser’s policy covers your business. IA notes list contractual liability among public liability exclusions: have a lawyer review any venue indemnity and ask the insurer whether that undertaking is covered. Ask a lawyer to check any insurance requirement applying to your business or event. [C1]

What do readers ask?

Does a customer injury guarantee payment?

No. Public liability cover concerns insured legal liability, subject to terms. [C1]

Do not assume that. Check the legal-expense provisions and applicable limits. [C1]

Does a pop-up need its activity checked?

Ask the insurer to confirm the insured business, location and period for that event. [C1]

Can public liability replace employee cover?

Do not rely on it for that purpose; work-injury insurance obligations are separate. [C1, C3]

Does a temporary helper count for insurance checks?

Labour Department guidance includes temporary and part-time employees. Confirm their employment status. [C3]

Yes. Describe the goods and location so products and public liability can be distinguished. [C2]

Does a venue indemnity prove insurance cover?

No. Ask for legal interpretation and a policy check of contractual liability. [C1]

Where can I read more or ask a process question?

Insurance terms explained How do claims work from overseas? Country guides Trust checks Historical fulfillment ratios Life-stage hub Ask a general process question

We provide information and referrals to a licensed Hong Kong broker; regulated advice and arrangements belong with that broker. Mainland visitors must sign in Hong Kong. Do not send identity, tax or medical documents through the general enquiry form. [X1]

General information, not advice.

Where are the sources?

Checked on . Public official sources; linked documents remain on their publishers’ sites.

Information, not advice; we refer to a licensed Hong Kong broker.

Enquiry form