MCST Insurance
MCST INSURANCE
MCST Package Insurance
MCST stands for Management Corporation Strata Title and refers to a building’s management body (usually a condominium or building shared with many office owners or shop owners). The MCST Package Insurance is an all-in-one insurance plan covering the property against fire and other related risks. The plan provides the following insurance coverages: Plate Glass, Fidelity Guarantee, All Risks, Public Liability, Error & Omission, Contractor All Risks, Fire and Money.
物业管理委员会（MCST）指的是公寓、分层有地住宅或商场等的管理机构。MCST配套保险是一项涵盖财产面对火灾和其他风险的综合保险计划。承保范围包括平板玻璃、忠诚保证、所有风险、公共责任、错误和遗漏保险、承包商保险、火险和金钱保险等。
All Risk Insurance
All Risks Insurance are more comprehensive. The coverage extends to everything except what is specifically excluded in the policy. It is priced proportionately higher than other types of policies. Policyholders can usually pay more to have a rider or floater added to the contract that would cover a specific event that was ruled out.
所有风险保险更全面，承保范围涵盖除了保单中明确排除的内容以外的所有内容，它的保费通常高于其他类型的保单。投保人通常可以支付更多费用，以便在保单中添加一个附加条款或浮动条款，以涵盖被排除的特定事件。
Public Liability Insurance
For many commercial buildings, the public is allowed to enter and use the facilities in the building. Unexpected accidents can still happen despite many safety measures in place, like someone falling down due to the slippery floor from a rainstorm. He or she may decide to file a legal suit. Public liability insurance covers your legal liability consequent upon injury or property damages to third parties when carrying out your business activities.
许多商业建筑允许大众进入并使用建筑内的设备。尽管采取了安全措施，意外事故仍可能发生，例如有民众或因为下雨地滑而不小心滑倒，并决定向您提起法律诉讼。公共责任保险涵盖您在展开业务活动时对第三者造成伤害或财产损失的法律责任。
Contractors All Risks
New landlords or tenants moving into the building may want to do a heavy renovation or simple retrofitting of the premises. Accidents can happen anywhere that a contractor damages, such as common corridors, shared facilities or damaged building pipes and wires. In some unfortunate cases where neighbours got injured and racked up high medical and hospital bills to be paid by the renovating units. The building management, landlord or contractor should purchase this insurance to cover the period of renovation.
搬进大楼的新房东或租户或想对房屋进行大修改或简单的改造。不幸事故随时随地都会发生，承包商可能会损坏公共走廊、公共设施或损坏建筑管道和电线等。在一些不幸的情况下，邻居受伤并累积了高额医疗和医院费用，须由装修单位所支付。物业管理层、房东或承包商应购买此保险以涵盖装修期间的损失。
Fire Insurance
The MCST fire insurance policy protects the interest of the Management Committee (MC) to repair damages to the property in the event of damages arising from a fire. For condominiums and apartments, the MCST will put in place a Fire Insurance policy on behalf of all the homeowners, with premiums automatically included in the monthly maintenance fees. The MCST fire insurance policy may not cover the homeowners’ improvements and/or renovations made to their individual properties.
物业管理委员会（MCST）火灾保险保障管理委员会 (MC) 在建筑物发生火灾时修复损失的利益。MCST有责任为所有公寓的房主投保火灾保险，而保费将自动包含在每个月的维护费中。MCST火灾保险可能不涵盖房主对其个人财产进行的更改或翻新。
Error & Omission Insurance
Error & Omission insurance helps protect MCST against the costs of allegations made by landlords for inadequate work, negligent actions or failure to provide the expected level of service. The cost of a policy depends on a number of factors including the kind of business covered, its location, and any previous claims that have been paid out in the past.
错误和遗漏保险有助于保护MCST免受房东因工作不当、疏忽行为或未能提供预期服务水平而提出指控的成本。保单的成本受许多因素所影响，包括承保的业务类型、位置以及过去已支付的先前索赔。
Fidelity Guarantee Insurance
The policy covers loss of money or goods as a result of dishonest acts committed by your employees that result in direct financial losses to you. FGI can also be known as first-party fraud, theft or employee dishonesty cover. There are two kinds of fidelity guarantee insurance. The first is unnamed insurance, which means that all employees are covered by the guarantee, and the compensation amount is determined by the type of work or rank. The second method is to designate specific employees as guarantee objects and set a compensation limit for each individual.
忠诚保证保险主要承保雇员的不法行为致使雇主遭受的经济损失的保险。FGI也可以称为第一方欺诈、盗窃或员工不诚实行为。忠诚保证保险可分为两种，首先是不指名投保，即把所有员工都列入保证范围，并按工种或职级分别设定赔偿额。第二类是指定某些员工为保证对象，并对每个人单独设定赔偿限额。
Money Insurance
There is always some risk involved when dealing with money and monetary transactions such as cash, cheques, drafts, and postal orders. The Money Insurance Policy helps you protect your business’s money from a whole host of losses, destruction or damages caused by an accident. This insurance ensures compensation for losses and helps you keep your organization running.
在处理现金、支票、银行本票和邮政订单等货币交易时，总是存在一些风险。金钱保险可帮助您保护您的企业资金免受事故造成的大量损失、破坏或损害。此保险确保损失后获得补偿，助您维持机构的正常营运。
Plate Glass Insurance
Plate Glass Insurance is a type of insurance that covers you against any damage or breakage of large panes of glass on your commercial buildings. Plate Glass is a kind of thick and fine quality glass that is used to make glass doors, screens, window panes and transparent walls. Breakage of it can result in high replacement costs.
平板玻璃保险是对建筑物的玻璃任何损坏或破损予以承保的保险。平板玻璃拥有不同的厚厚度而且拥有高耐用性，通常用于制作玻璃门、屏风、窗玻璃和透明墙。它的破损将导致高昂的更换成本。