Product Overview

SME Natural Catastrophe Property Insurance


Special insurance specifically designed to cover losses from major disasters such as typhoons.

The insurance will provide small and medium-sized enterprises (SMEs) with coverage against the consequences of natural disasters, namely the passage of severe tropical storms and storms that activate a typhoon signal 8 or more, or a level 4 (red) storm surge or higher. This insurance is designed to protect the assets of stores and commercial spaces located in low-lying areas of the city.


The insurance coverage includes buildings, repairs and upgrades, electrical appliances, utensils, furniture, machinery, electronic equipment and product stock.

All companies that have fewer than 100 workers are eligible for this insurance, which has major differences from regular insurance policies on the market. For example, there is no deductible percentage for every damage or loss report, and the ceiling amount for products and stock has been waived.


  • Those who acquire the insurance will get special benefits in the long run and will receive discounts starting at 20%, going up to 35% in the fourth consecutive year they renew their insurance.
  • The annual premium is set at 15% of the amount covered by the insurance, which offers coverage of up to 100,000, 200,000, 300,000 and 500,000 patacas.
  • This year, the government will offer subscribers a special benefit. Subscribers will receive a subsidy of up to 50% of the annual insurance premium, going up to a maximum of 30,000 patacas.

For application please fill and submit this form (Chinese version only) at our officesPlease contact us for further details about the product.

The above information is provided by the Monetary Authority of Macau (AMCM).