As a foreigner in China if you want to take out an insurance policy for yourself or your company, the headache will be the difficulty in getting an English Speaking Insurance Agent who can speak fluent English and experienced in insurance knowledge. More importantly, they must be able to comprehend and understand your insurance requirement. The service standard is the one you can expect in your home town. However, if you leave the issues to be tackled by your local manager, still there may be risks of having inadequate cover or entirely exposed without proper arrangement as the there are discrepancy in perception towards risks exposures and management. Many of the foreign enterprises in China are having similar problems. Some of them may choose to insured the risks in your mother country. But this is a bit inconvenient and also violating the local insurance regulation that local property in China should be insured in China through licensed insurers.