開一間店舖,政府會唔會規限店主要買咩保險,及其他等等,會買d咩?希望有人能解答!20分

最基本是買勞工保險, 但如果沒有請人可以不買
如果這間舖買的東西或服務,可能會對客人或路人構成危險,就要買三者責任保險
基本上政府除了勞工保險外, 其他保險是要看你做什麼生意,才有什麼規定

2007-02-28 15:33:40 補充：
勞工保險沒有特定幾多錢, 要我你請多少人(例如:長工有多少人, partime有多少人, 工作是有否存在危險性等等)第三者責任保或其他火險, 水險, 就要看你間舖有幾大, 存放什麼物品在舖內其實你想再清楚多d, 首先你間舖是做什麼生意, 有幾大, 請多少人, 然後搵幾間保險公司報價, 就最好.

You HAVE TO buy the following insurance:

- Public Liability insurance (公眾責任), This is to cover any of your customers entering the shop.
- Staff insurance (僱員賠償), to cover your staff's while they are at work

You have lots of other insurance to buy including Property insuranc (財物) or operational insurance (運作). There are too many to name. To decide what sort of insurance you should buy, I think you can make a few phone calls to the biggest insurers in HK and ask for two quotations:

(1) Quotation for the minimun insurance cover.
(2) Quotation for a package that includes a few more insurance riders on top of the minimun. All the insurance do packages e.g. for HSBC, they have 零售萬全保

You can then compare the cost and benefit of all the companies and decide which one you want to buy. The biggest General Insurance companies in HK are included below:

HSBC: http://www.commercial.hsbc.com.hk/1/2/commercial_zh/insurance/business/retailersurance
ING: http://www.ing.com.hk/gi/tc/index.asp
AXA: http://www.axa-insurance.com.hk/cindex.asp?pageid=products&prodid=business
Zurich: http://www.zurich.com.hk/chi/is_companyinsurance_retailmultirisk.htm

Decide whether you just want to buy the minimum or whether you want to buy more than the minimum. If you want to buy the minimun required insurance, I suggest you just buy the cheapest quote you manage to get from the above insurance companies. However, if you want to buy more than the minimun, you shuould carefully compared what is covered by the policies. It's a very complicated process and you often cannot compare policies directly because they vary so much between companies.

開一間店舖，政府現規限店主要買的是〔勞工保險，強制性公積金〕，其他的如第三者責任險，火險，盜竊險等，可以自己考慮須要才買。歡迎電郵查詢：[email protected]

法例規定一定要買既：
A)（如果有請人）勞工保險．剩係自己一個睇舖可以唔買，但係如果你會搵個替工番黎替你既，你都要買．
法例無規定，但係如果你有同銀行借錢開舖，銀行都會要你買，同埋我都建議你買：
A) 第三者責任保．如果有客唔小心係你間舖跣親，你要賠都可以俾保險公司賠．
B) 火險．通常火險一定買，火燭都唔會蝕到渣都無．
以下視乎須要而買：
A) 水險．如果有水浸既可能．如果水火都買通常買Shop Package.
B) 盜竊保．如果爆竊風險高的話．
C) 金錢保．如果店舖經常有大量金錢儲備．
D) Shop Package. Shop Package係一個整體保，包以上其中幾樣野，最好問一問你既相熟agent啦．