About Hong Kong Insure
HK.Insure is an information platform focused on Hong Kong cyber security insurance (Cyber Security Insurance) and artificial intelligence risk: we study how cyber insurance is implemented and used in Hong Kong, and compare enterprise solutions from carriers worldwide. This site does not sell insurance products, nor provide quotations or cover.
What We Are
HK.Insure is an information and education platform focused on the Hong Kong cyber security insurance market. Our work has one purpose: to explain clearly how cyber insurance and artificial intelligence risk work.
Cyber risk has evolved from an information technology issue into a compliance obligation, operational risk and financial risk for businesses. At the same time, artificial intelligence has both expanded the attack surface and introduced new liabilities and coverage gaps. These risks straddle the three domains of insurance, legal compliance and information technology, yet most market information only addresses one of them — this platform was designed to place all three within a single framework.
Our Content Scope
This information site focuses on cyber security insurance and artificial intelligence risk:
- Hong Kong risk landscape and regulations (Protection of Critical Infrastructures (Computer Systems) Ordinance Cap. 653, Personal Data (Privacy) Ordinance PDPO, Insurance Authority guideline GL20)
- Cyber insurance coverage structure: first-party and third-party coverage, common exclusions, sub-limits
- Comparison of enterprise solutions from global and Hong Kong carriers
- AI risk and insurance gaps (AI exclusion clauses vs proactive inclusion)
- Daily AI and cyber risk news
Our Three Principles
1. Information only, no sales
This site does not sell any insurance product, provide quotations, arrange cover, or handle policies or claims on behalf of clients. Articles do not recommend specific insurers or products, and contain no discounts, offers or "buy now" sales language.
2. Conclusion first, as verifiable as possible
Every article gives the answer first, then the reasoning. Content involving clause structures or processes is based on insurer policy wording and publicly available regulatory materials; differences between market practice and individual policies are explained separately.
3. Do not avoid limitations
Exclusions, waiting periods, disclosure duties and definitional thresholds — the contentious parts — are stated honestly, rather than only the favourable side of coverage.
How Content Is Produced
| Step | Description |
|---|---|
| Topic selection | Starting from cyber risk and the questions businesses most easily misunderstand |
| Compilation | Based on insurance policy wording, regulatory bodies and publicly available industry materials |
| Distinguish general from specific | Clearly mark what is general industry practice and what varies by insurer or plan |
| Review | Check whether the conclusion is presented first, whether figures carry a timeliness label, and whether important limitations are omitted |
| Continuous revision | Markets and clauses change; articles are updated as needed and labelled on the page |
Area of Expertise: Cyber Security and AI Insurance
This information site centres on cyber security insurance and artificial intelligence risk, placing cyber risk, AI liability and Hong Kong's regulatory requirements within a single framework:
| Page | Content |
|---|---|
| Section Overview | Why it is our area of expertise, Hong Kong risk landscape data, and a summary of regulations and supervisory requirements |
| Hong Kong Implementation (Guide) | Ordinance, PDPO, statistics and a pre-coverage preparation checklist |
| Insurer Comparison (Enterprise Solutions) | Comparison of international groups, specialist carriers, local virtual insurers and brokers |
| Products and Coverage Structure | First-party and third-party coverage, common exclusions, sub-limits, and the three forms of AI coverage |
| AI Risk and Insurance | How AI redraws the risk boundary, three underwriting stances and the most overlooked risks |
| Education Hub | In-depth teaching across eight modules, including a corporate self-assessment checklist, glossary and claims process |
Sponsorship and Development
| Role | Description |
|---|---|
| Sponsoring organisation | Henderson Insurance Consultants Limited, licensed insurance agency, licence number FA-2958 |
| Area of expertise | Cyber security and AI insurance, corporate risk and employee benefits arrangements |
| Development and operation | AIX Society, building and continuously updating this site's content and layout with AI Agents |
| Insurance service enquiries | WhatsApp 6366 3320 (Open chat) |
The sponsoring organisation is a licensed insurance intermediary; its business operates separately from this site's information function: the sponsorship relationship does not affect this site's editorial principles, and this site will not, because of the sponsorship, recommend any insurer or insurance product. If you have further enquiries about insurance services (policies, coverage arrangements, claims follow-up), you may contact the sponsoring organisation via the WhatsApp number above. For arrangements relating to other Hong Kong corporate insurance (such as group medical, employee compensation, commercial comprehensive insurance, etc.), the same channel may also be used.
Our Boundaries
- The content of this site is general explanation and cannot replace the original wording of an individual policy.
- Whether a particular situation is covered, and how much will be paid, is always determined by the insurer's underwriting and claims decision for that specific case.
- This site is not the official website of any insurer, nor does it speak on behalf of any insurer.
- For enquiries about an individual policy, cover arrangements or claims progress, please contact your insurance intermediary or the insurer directly.