When you sign a contract for a custom wall bed, you are accepting that we will: (1) drill anchors into your structural wall, (2) leave a 750 kg-rated mechanism in your home for at least 10 years, (3) be physically present during the install with tools and materials. Each of these has a real failure mode, and each should be backed by insurance — yours, ours, or a clear contractual allocation. Below is what we carry today, what the certificates look like, and the gaps we're explicitly still closing.
What we carry
Public Liability Insurance
Protects against third-party property damage and bodily injury arising from our installation work — the most common scenario being accidental damage to flooring, neighbouring fixtures, or building common areas during install or delivery.
Coverage: minimum HKD 5 million per occurrence, with annual aggregate · Underwriter: shown on certificate, available at showroom · Renewal: annually, never lapsed since 2018.
Product Liability (via SBLM warranty + our parts)
The SBLM mechanism itself carries the manufacturer's lifetime mechanism warranty — including indemnity for product-defect-caused harm. The cabinet panels, hardware, and assembly we provide are covered separately under our public liability policy for assembly-defect harm.
SBLM mechanism warranty: manufacturer-direct, no time limit on the moving mechanism itself · Our work: covered under public liability coverage 1 above for assembly defects.
Employees' Compensation Insurance (ECI)
Statutory insurance under Hong Kong's Employees' Compensation Ordinance covering injury to our install team during work on your premises. This is the customer's protection too — without ECI, an injured installer could pursue you as the property owner.
Status: in force, never lapsed since 2018 · Verification: Labour Department register (public).
Warranty fulfillment commitment
Our 10-year warranty is a contractual commitment, not an insurance policy. We do not currently carry a third-party warranty insurer that would honor claims if we were to wind down. The shutdown plan published on /trust.html describes our deposit segregation and partner-fitter referral arrangement — that is the substitute. See "what we don't yet carry" below.
How to verify
- Walk in to the Kwun Tong showroom. Ask for the public liability certificate, ECI certificate, and SBLM warranty letter. We keep originals on file. We will photograph them with you and the policy numbers visible if you want a copy for your records.
- Verify our HK Business Registration first. The insurance certificates are issued in our BR-registered name. Cross-check on the IRD BR Number Inquiry — free, instant.
- Cross-reference with the Labour Department for ECI compliance — public register shows whether our company is in good standing.
- Look for the underwriter's stamp and policy number on the certificate. Both insurer and policy number are checkable with the underwriter directly if you have a serious concern.
What we don't yet carry (and what we're doing about it)
A real disclosure names the gaps. Below is what we're still adding before the 2027 transparency report.
If we wind down, your remaining warranty term has the partner-fitter referral arrangement instead of an insurer payout. We are evaluating warranty-insurance providers in 2026 and will publish the chosen underwriter and coverage in next year's transparency report.
Our scope is installation, not structural-engineering certification. We refuse jobs where structural sign-off is required (see /jobs-we-refused.html) precisely because we don't carry PI for that scope. We are not adding PI — instead we'll keep referring those jobs to licensed structural engineers.
We hold customer name, address, contact details, and install photos. We do not currently carry cyber insurance because our data minimisation (/privacy.html) reduces the dataset to a manageable size. To be re-evaluated in 2027.
Why we publish this
Most HK custom-furniture sellers don't disclose insurance because they assume buyers won't ask. Buyers should ask. Without public liability cover, a competitor team's accidental damage to your floor or your neighbour's wall is on you, not them. Without ECI, an injured worker on your property can pursue the property owner. The absence of these coverages is a hidden cost transfer to you. Publishing what we have makes the comparison checkable.
Want to see the certificates?
Walk in to the showroom — Mon–Sat 10:00–19:00 — and ask. We'll show you the originals and photograph them with you.
💬 Ask about certificates