Employees’ Compensation Insurance is a compulsory insurance governed by the Employees’ Compensation Ordinance in Hong Kong SAR. According to the Ordinance, an employer must arrange an Employees’ Compensation policy for all its employees with a compensation limit of not less than HK$100 million per event. The policy covers the employer’s legal liability under the Ordinance and Common Law, as a result of employees sustaining injuries or contracting diseases in the course of and arising out of their employment.

All employers, companies or individuals, except those exempted by the law, must take out an Employees’ Compensation policy for their employees.