SME Business

Flexible multi-line insurance with essential covers for small and medium-sized Hong Kong businesses



AIG has a wealth of experience and knowledge to serve your business. Read our Capability Guide to see how we can help you.

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Learn more about the risks facing companies today and tomorrow in our KNOWLEDGE & INSIGHTS CENTRE.


Why AIG?

Our team in Hong Kong understands the risks faced by SMEs and our expertise means we have the ability to create policy and claims solutions appropriate to businesses operating in this sector. We are increasingly targeting specific industries with packaged products tailored for those groups of businesses. This enables us to provide specifically designated products to meet the modern needs of an SME company in Hong Kong.

Why SME businesses need comprehensive insurance coverage

AIG understands that Hong Kong SME businesses operate in a tough and changing environment. SME operations are still held to the same standards of corporate governance, employee welfare and liability as the larger companies and they often have to manage these risks with fewer resources and less time to spare on concerns other than those relating to day to day business. SMEs therefore require a suitable packaged insurance policy which will protect their assets, liabilities and employees from the risks associated with operating a business.

Who is it for?

AIG offers simple insurance products for many small businesses, and bespoke solutions for the more complex insurance needs. Covering a wide spectrum of SME customers from a small single office premises for self-employed business owners to a multi-dimensional retail company with a material damage / business interruption exposure spread across multiple locations, often in a franchise arrangement, or with up to 200 employees or more.

What is covered?

SME Package insurance from AIG is a comprehensive multi-line insurance solution that can be tailored to meet the needs of your business.

Coverage options include:

  • Property All Risks
  • Consequential Loss
  • Burglary
  • Electronic Equipment
  • Machinery Breakdown
  • Money
  • Public Liability
  • Products Liability
  • Employees Compensation
  • Employment Practices
  • Fidelity Guarantee
  • Inland Transit
  • Group Personal Accident