Employees’ Compensation

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The purchase of Employees’ Compensation (“EC”) insurance is not only mandated by law, but is an imperative means of protecting your business’ balance sheet in the event of accidents to your employees. Hidden costs associated with such incidents and events could be massive and potentially fatal to your business. Combined with our loss prevention and control services, our EC insurance solution not only safeguards your business but also reduces the risk of injury to your employees and assists with their recovery if the unexpected happens.

We provide employees' compensation cover in accordance with the Employees' Compensation Ordinance in Hong Kong, and can tailor solutions for captives and other risk management structures on an account-by-account basis.

Who is it for?

As an employer, you are required by law to effect employees' compensation insurance for your employees. To enable you to meet this statutory requirement, our Employees' Compensation insurance covers your liabilities as an employer under the Employees' Compensation Ordinance and at Common Law.

What is covered?

To paraphrase the Employees’ Compensation Ordinance, this insurance applies in the event any employee suffers bodily injury (including death) by reason of accident or disease, arising out of and in the course of employment in the business operations conducted at or from any workplace of the employer. It is suitable for all companies employing staff, whether those staff work in Hong Kong or at overseas locations.