火险、责任险、工程险、家居险拆解香港大埔火灾“天价”保险：保哪些，怎么赔？

Core Viewpoint - A significant fire incident occurred at Hong Kong's Macpherson Garden, resulting in major casualties and prompting multiple insurance companies to initiate emergency claims processes. The insurance coverage primarily involves property-related insurance and contractor insurance, with the main insurer being China Taiping Insurance (Hong Kong) [1][12]. Insurance Arrangements - The fire incident involves two main types of insurance: property-related insurance at the estate level and contractor insurance covering engineering and employee protection, both underwritten by China Taiping [1][12]. - The estate's management committee has decided to continue purchasing collective fire insurance from China Taiping for the period from January 1, 2025, to December 31, 2026, with a total premium of approximately HKD 337,737.4 for two years [2][3]. Insurance Coverage Details - The property insurance covers the building structure and common areas with a sum insured of HKD 2 billion, while public liability insurance covers third-party bodily injury with a limit of HKD 10 million per event [3][4]. - The insurance policy includes a "subrogation" clause, allowing the insurer to recover costs from third parties if negligence is proven [6][8]. Claims Process and Emergency Measures - Multiple insurance companies, including major players like China Life and AIA, have activated emergency claims protocols, offering streamlined services and support for affected clients [12]. - The banking sector, represented by Shanghai Bank, has also initiated a donation of HKD 10 million to support rescue and recovery efforts [12]. Home Insurance Insights - Home insurance, which covers personal property within the insured premises, is gaining attention as it provides compensation for losses due to incidents like theft, fire, and natural disasters [13][14]. - The distinction between home insurance and fire insurance is emphasized, with the former covering personal belongings and the latter covering structural damages [16][17]. Industry Perspective - The insurance industry views comprehensive insurance arrangements as essential for disaster recovery and urban stability, highlighting the importance of property and public liability insurance in providing financial support post-disaster [11][12].