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Business Insurance

Business Insurance - General Insurance - Property & Casualty Insurance

Business Insurance

Pacific Prime China has developed relationships with the largest and most respected insurance providers. These relationships allow our consultants to help administer coverage for employees around the world with three or more group members. Your group may be among others a company, sports club or social club. We can offer premium discounts on global medical insurance and customize your coverage for whichever group you fit into.

Why should companies consider Business Insurance?

A well designed business insurance package, as a good long term investment, will offer companies
with sufficient protection and peace of mind on reasonable and stable costs so that businesses can
focus on production and profits gaining without keeping a huge amount of reserve or worrying about
future uncertainties.

Property Insurance

Natural hazards and accidents are increasingly threatening the safety of our businesses every year. One single natural hazard or accident may cause a large loss and impact the regular operation for the business.

Machinery Breakdown

Equipments and machineries are very important for certain industries during their daily production. Many types of equipments cost millions of RMB. When we enjoy the convenience they bring, we must also face the problems they cause when the equipments are broken up during the production, which will then stop the operation and may delay the delivery of products on time.

Business Interruption

When accidents happened, profit losses always follow the property damage. Property damage may cause the decreasing production capability of the business, and fixed costs such as salary, rental, and management fees continue to be paid by us, and these issues may further decrease our gross profit, sometimes the loss of gross profit may be many times than the property damage, and it will take us a long time to recover.

Public Liability

Even when a business does everything right there is always the chance of an accident happening. Public liability insurance safeguards our customers and our staff and the business can go about its working day knowing that if a problem does arise, it need not cause the business to go bankrupt. It also offers assurance to customers, who otherwise may not feel comfortable using our business. 

Employer's Liability

When an insured's worker is seriously injured, it has great impact on businesses. Loss of certain key personnel imposes legal liabilities on us. It also negatively affect the operations of the business as well.

Product Liability

In North America, Europe, Australia, and even Asia, no matter how perfect your products present in design and manufacturing or how rigorous the products manual and warning label are drafted according to experts and lawyers' review, you may still suffer from a lawsuit. Despite all due diligence you have fulfilled, the lawsuit will drag you into a long and costly process to prove it.

Directors' & Officers' Liability

Your directors and officers could be personally liable and have their personal assets at risk in litigations which could be for substantial damages and last several years. Claims against directors and officers may be brought for a variety of reasons including misstatement, misleading statement, breach of duty, breach of trust, etc.

Contractors'/Erection All Risks

There are many uncertain factors that may happen in any construction work, any natural hazard (eg, Earthquake, heavy rainfall, etc.) or accidents (eg, fire and explosion) that may cause project principals and contractors to suffer large amounts of loss.

Specie Insurance

Covering valuable items under collection, exhibition, transportation, loading and unloading that face many hazards.

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