Under the Employees' Compensation Ordinance, Chapter 282 of the Laws of Hong Kong, the employer must compensate his employees for any accident arising out of and in the course of the employees' employment, regardless of whether the employees' carelessness has caused the accident. Under the Ordinance, it is also compulsory for the employer to effect insurance with an authorized insurer.

An 'Employees Compensation' insurance policy covers Ordinance benefits such as medical expenses, loss of wages, permanent disablement benefit, and death benefit. In addition, it usually covers common law liability with a policy limit of HK$100 million for any one event.

Policy for employees from other countries may also be extended to cover repatriation expenses following death, injury or illness.

Please go to Employees' Compensation Insurance Website for more information.