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Online Micro-Business Policy

The Online Micro-Business Policy (OMBP) is tailor-made for Hong Kong exporters with an annual turnover of less than HK$30 million, covering contract of sale/ service contract they have with their overseas buyers/ clients in major overseas countries/markets. The OMBP is a simple online solution to protect exporters against non-payment risks.


Major Features

  • Covers export of goods and services
  • Selective cover for specific buyers/ clients
  • One premium payment for 120-day cover
  • 10 free credit limit applications
  • Credit limit application per buyer/ client up to HK$0.8 million
  • 120-day non-cancellable credit limit*
  • Maximum liability up to HK$3mn
  • Indemnity ratio at 90%
  • No declaration on shipment/ services rendered is required
  • No policy fee and deposit

      *Subject to the terms and conditions of the Policy.

Scope of Cover

The OMBP covers domestic exports, re-exports from Hong Kong or direct exports from places outside Hong Kong. All shipments made/ services rendered under contracts concluded on payment terms of cash against documents (CAD), cash on delivery (COD), documents against payment (DP), documents against acceptance (DA) and open account (OA) for a period not exceeding 90 days are covered.


Risks Covered

  • Insolvency of the buyer/client
  • Failure of the buyer/client to pay for goods accepted by it/ services rendered to it

which occurs after shipment/services rendered.

Claim Payment

  • For insolvency of the buyer/client, claims are settled as soon as all relevant documents are submitted.
  • For failure of the buyer/ client to pay for the goods accepted by it/ services rendered to it, claims are settled 4 months from the due date of payment.

Premium Rate

Fixed premium rate


All information provided to the Corporation will be kept strictly confidential. ECIC staff is required to take an oath of secrecy as provided under Section 31 of the Hong Kong Export Credit Insurance Corporation Ordinance (Chapter 1115). The Corporation is a “public body” under the Prevention of Bribery Ordinance. Staff members are not permitted to accept any advantage from customers. Anybody offering any advantage to the staff for any assistance in their capacity as public servants under the Ordinance commits an offence.



Click here for application

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