EverBright Actuarial

Directors and Officers (D&O) insurance is a form of liability insurance that protects directors and officers of companies from personal financial losses arising from wrongful acts committed in their managerial capacity. This includes coverage for legal defense costs, settlements, and judgments related to claims such as regulatory investigations, shareholder lawsuits, and breaches of fiduciary duty. In Hong Kong, D&O insurance has become increasingly relevant for listed companies, particularly th

Office insurance, also known as business office insurance or commercial property insurance, is a specialized type of commercial coverage designed to protect office-based businesses from various risks associated with their premises, assets, and operations. It typically safeguards against property damage, theft, liability claims, and business interruptions that could arise from events like fire, natural disasters, or accidents. This insurance is essential for businesses operating in office environ

Employees' Compensation Insurance (ECI), also known as labour insurance, is a mandatory requirement for all employers in Hong Kong under the Employees' Compensation Ordinance (Cap. 282). It provides financial protection for employees who suffer work-related injuries, occupational diseases, or death, covering statutory benefits such as medical expenses, wage loss, permanent disability, and death benefits. Employers must secure policies with minimum coverage limits of HK$100 million or HK$200 mill