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Charterlloyd Insurance Brokers Ltd.

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 Hong Kong Institute of Speech Therapists (HKIST).


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, defense and settlement of any Claim of coverage

Eligibility : Full Members of The Hong Kong Association of Speech Therapists

Limit of Liability :

HK$10,000,000 any one claim and HK$40,000,000 in the aggregate inclusive of legal cost and expenses
(the limit above shall be shared by all insured members)

Extensions & Endorsements:

  1. Loss of Documents
  2. Libel and Slander
  3. Amended Definition of Insured (Individual)
  4. Good Samaritan Acts Extension
  5. Prescription Exclusion
  6. Inquiries (HK$500,000 per insured member & HK$5 million inaggregate)
  7. Intellectual Property Rights Extension
  8. Fraud & Dishonesty Extension
  9. Continuous Cover

Geographic limit : Worldwide excluding USA and Canada

Jurisdiction : Hong Kong

Deductible : HK$5,000 each and every claim

Annual premium, incl. brokerage, fee & IA levy: HK$680 per insured member (subject to change)




1. BowtieGo

Bowtie Insurance has offered their BowtieGo package to HKAST! Full Members are entitled to member-only price for network doctors for outpatient General Practitioner consultation, Chinese Medicine consultation, 24 types of specialist consultation, dental consultation and physiotherapy consultation depending on plan level of your choice. Contact us now to receive an HKAST-exclusive activation code for BowtieGo registration and enjoy the benefits!


Disclaimer: While HKAST assists to connect members with Bowtie Life Insurance Company Limited (a licensed virtual insurer in Hong Kong) (“Bowtie”), we do not have any partnership, agency, distributorship, employment or joint venture relationship with Bowtie in any respect. HKAST takes no part in any transaction(s) entered into between any HKAST member and Bowtie. Under no circumstances shall HKAST be held responsible or liable in any way for any claims, damages, losses, expenses or liabilities whatsoever arising from the said transactions.



1. Eclipse Hospitality Group (20% off)

Our Full Members are entitled to receive a VIP dining card offered by Eclipse Hospitality Group and can enjoy a 20% discount on a la carte food and drinks deals at all of the Group’s restaurants.




1. American Speech-Language-Hearing Association (40% off)

ASHA publishes four peer-reviewed scholarly journals pertaining to the general field of communication sciences and disorders (CSD) and to the professions of audiology and speech-language pathology. These journals are the American Journal of Audiology; American Journal of Speech-Language Pathology; Journal of Speech, Language, and Hearing Research; Language, Speech, and Hearing Services in Schools. These journals have the collective mission of disseminating research findings, theoretical advances, and clinical knowledge in CSD (Source: ASHA).

Full Members of HKAST can now purchase online/electronic version of all four scholarly journals at a 40% discount. This offer is only valid for NEW SUBSCRIPTION, and does NOT apply to print version.


Disclaimer: HKAST connects members with ASHA. HKAST takes no part, nor any responsibility, on the negotiation, and/or the entering into of any transaction between HKAST members and ASHA.