HKAST collaborates with Charterlloyd Insurance Brokers Ltd to provide a Professional Indemnity Insurance package to our Full Members, which protects speech therapists against any unfair allegation of professional misconduct at the hearing of professional association by the support of legal presentation and its associated expenses, which may be a huge sum of cost.
Individual Professional Indemnity Insurance is also mandatory for speech therapists to register for the Hong Kong Institute of Speech Therapists (HKIST).
Application procedures (For Full Members only):
Please return the completed and signed declaration form either by bank transfer or cheque.
Bank Transfer:
Account name: Charterlloyd Insurance Brokers Ltd.
HSBC A/C # 404-458374-001
Bank code of HSBC: 004
FPS ID: 114803307 (Charterlloyd Insurance Brokers Limited-Client A/C)
Cheque:
Cheque payable to “Charterlloyd Insurance Brokers Ltd.” to the following address for the enrollment of Professional Indemnity insurance.
Charterlloyd Insurance Brokers Ltd.
Room 1905, 19/F, Fortress Tower, 250 King’s Road, Hong Kong
Attn: Dr. Raymond Chow
Please feel free to contact Dr. Raymond Chow (Email: raymond@charterlloyd.com, Tel: 2523 6350) or Mr. Ryan Li (Email: admin@charterlloyd.com.hk, Tel: 2899 2345) for any assistance.
Coverage summary – PI – The HK Association of Speech Therapist 2026
Declaration Form – The HK Association of Speech Therapists 2026 (fillable)
Coverage:
a) Insurer shall pay, to or on behalf of the Policyholder, the Loss in respect of any civil liability which the Policyholder incurs as a result of any Claim first made and reported to Insurers during the Period of Insurance which arises from any breach of a professional duty of care in the provision of the Professional Services.
b) Legal costs and expenses: Insurers shall pay reasonable and necessary costs and expenses incurred by the Policyholder in the investigation, defence and settlement of any Claim of coverage a)
Eligibility: Full Members of The Hong Kong Association of Speech Therapists
Limit of Liability :
HK$10,000,000 for any one claim and HK$40,000,000 in the aggregate inclusive of legal costs and expenses
(the limit above shall be shared by all insured members)
Extensions & Endorsements:
(a) Loss of Documents – sub-limit HK$10 million
(b) Libel and Slander
(c) Amended Definition of Insured (Individual)
(d) Good Samaritan Acts Extension
(e) Prescription Exclusion
(f) Medical and Related Services Exclusion
(g) Inquiries (HK$500,000 per insured member & HK$5 million in aggregate)
(h) Intellectual Property Rights Extension
(i) Fraud & Dishonesty Extension
(j) Continuous Cover
Please note that the ‘Amended Definition of Inquiry’ endorsement has been applied to extend coverage to inquiries conducted by a Preliminary Investigation Committee.
Liberty HK PI Miscellaneous Amended Definition of Inquiry
Geographic limit: Worldwide excluding USA and Canada
(*For members who are practicing in places other than Hong Kong, applications will be subject to the insurance company’s approval, the insurance company shall reserve the right to reject or impose additional premium and term*)
Jurisdiction: Hong Kong
Deductible: HK$5,000 for each and every claim
Annual premium, incl. brokerage, fee & IA levy: HK$680 per insured member (Additional premium will be charged for annual income exceeds HK$2 million)
Period of insurance: From 1 January 2026 to 31 December 2027 (Annual)
From 1 July 2026 to 31 December 2027 (Semi-Annual)
Insurer: Liberty Specialty Market