Employees’ Compensation Insurance
Under Hong Kong law, every business that employs staff — full-time, part-time, or domestic — must hold valid Employees’ Compensation Insurance. This safeguards the employer against liability if an employee is injured or becomes ill while performing work duties, whether in the workplace, anywhere in Hong Kong, or abroad. At Expat Insurance, we help companies of all sizes source compliant, cost-effective coverage.
Who Needs Employees’ Compensation Insurance?
Employees’ Compensation Insurance is mandatory in Hong Kong for any employer with employees — full-time, part-time, temporary, and domestic workers. If the business has even one employee on payroll,
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you are legally required to maintain valid cover.
This policy is especially important for companies with on-site duties, physical work environments, client visits, deliveries, construction activity, or employees who travel for work. It protects both the employee’s wellbeing and the employer’s legal and financial position if an accident or work-related illness occurs.
Possible Pitfalls We Help You Avoid
The biggest risk with Employees’ Compensation is assuming “any policy is fine” as long as it exists. In reality, claims can be delayed or disputed if the policy does not accurately reflect your workforce. One common issue is misclassification of employee roles — if an insurer believes the…
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job duties were of a higher-risk than declared, it can create major complications at claim time.
Another frequent problem is incomplete coverage: businesses sometimes forget to include part-time staff, contract workers, interns, or employees working off-site. These gaps can expose the company to serious legal liability.
We also see avoidable delays when documentation is unclear, reporting is late, or HR is unsure of the proper process. Our role is to ensure your policy is compliant, correctly structured, and supported with clear guidance — so if an incident happens, the claim pathway is smooth and defensible.
Why Work With Expat Insurance?
Employees’ Compensation is not just “a legal requirement” — it is a protection system that needs to be set up correctly. While many insurers offer similar products, the difference is in the policy structure, occupation declarations, insurer responsiveness, and claims support.
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At Expat Insurance, we help build compliant cover based on the team structure, job roles, and exposure risks. We compare insurers independently, secure cost-effective terms, and ensure you meet Hong Kong Labour Department requirements. If a claim occurs, we assist with coordination and communication so the process moves faster and more fairly for both employer and employee.
What Does Typical Cover Include?
Employees’ Compensation Insurance covers work-related injuries, accidents, and occupational illnesses. It includes medical expenses, rehabilitation costs, compensation for temporary or permanent disability, and death benefits for dependants, with protection for …
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employers under Hong Kong law.
Depending on your business needs, cover can also extend to work-related activities outside the office — including client visits and business travel. When arranged properly, this policy protects your staff’s welfare while shielding your company from unpredictable financial and legal exposure.
Let's Get Your Insurance Done Right
Finding the right compensation policy can be complex, particularly for new or growing companies navigating changing requirements. We simplify every step of the process, ensuring your business stays fully covered, compliant, and confident as it moves forward.
We start with your team structure.
We review your headcount, job types, and potential exposure risks carefully.
We compare insurers.
We independently assess multiple providers to secure the best coverage and rates.
We manage compliance.
We ensure your business meets all Hong Kong Labour Department requirements.
We stay involved.
We help with claims processing and annual reviews to keep coverage up to date.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Such cases are common in Hong Kong, where an unexpected medical issue can rapidly lead to financial trouble. The boundary between security and risk is often defined by the right insurance plan.
