Employee compensation insurance generally covers injuries or illnesses that are directly related to work activities. Pre-existing conditions might be considered if they are aggravated or exacerbated due to work-related activities.

No, it is illegal to terminate an employee solely because they have filed a compensation claim. Such an action would be considered retaliation, and there are legal protections in place to prevent it.

Employers can implement safety training programs, enforce safety protocols, conduct regular safety audits, and encourage open communication regarding potential hazards. These efforts can contribute to preventing workplace injuries and reducing insurance premiums.

Yes, coverage can extend to mental health conditions resulting from workplace stress or trauma.

Employee compensation insurance covers a wide range of injuries, including physical injuries from accidents, repetitive motion injuries, and occupational illnesses caused by workplace conditions.

The benefits offered by employee compensation insurance include coverage for medical expenses, a portion of lost wages during recovery, rehabilitation costs, and even compensation for permanent disabilities.

Generally, independent contractors are not covered by employee compensation insurance.

Employees’ Compensation Ordinance formalizes the legal requirements of employers to protect their employees. With their stringent requirements, they ensure that employers fulfill their duty to protect their workforce. From mandatory insurance to creating safer workplaces, this ordinance is a cornerstone of employee welfare. Compliance isn’t just an option; it’s an imperative.

If you don’t carry Employees’ Compensation insurance that satisfies the legal requirements of the EC Ordinance, you can face fines of up to HK$100,000 and imprisonment of up to two (2) years. This is a very serious offence and you should always ensure you have adequate employees’ compensation insurance in Hong Kong.