Employees’ Compensation Insurance
Protecting your business and employees.
Employees’ Compensation Insurance provides mandatory coverage for work-related injuries and illnesses, ensuring that
employers meet legal obligations while employees receive the care and financial support they deserve.
About Employees’ Compensation Insurance
Essential Protection for Every Employer
Under Hong Kong law, every business that employs staff — full-time, part-time, or domestic — must hold valid Employees’ Compensation Insurance. This policy safeguards the employer against liability if an employee is injured or becomes ill while performing work duties, whether on-site or abroad.
At Expat Insurance Hong Kong, we help companies of all sizes source compliant, cost-effective coverage. Our advisors ensure your policy not only meets local regulations but also provides fair protection for your employees and peace of mind for your management team.
Why Choose Employees’ Compensation Insurance?
Accidents can happen anywhere — in the office, at a client site, travelling for work, or crossing the road. Employees’ Compensation Insurance covers medical bills, rehabilitation costs, and lost salaries, reducing the financial and legal risks for your organisation.
What Does Employees’ Compensation Insurance Include?
- Coverage for work-related injuries and occupational diseases
- Medical expenses and rehabilitation treatments
- Compensation for temporary or permanent disability
- Death benefits for employees’ dependants
- Legal liability protection for employers under Hong Kong law
- 24-hour worldwide protection for business-related activities
This mandatory coverage not only fulfils your legal obligations but also reflects your duty of care as a responsible employer. Employees gain reassurance that their wellbeing is prioritised — and you gain protection against unpredictable costs or disputes.
We make the process seamless — from policy setup and renewals to claims support. Our team liaises directly with insurers, HR departments, and employees to ensure claims are handled quickly and transparently, keeping your business running smoothly.
Why Work With Expat Insurance?
Compliance. Care. Confidence.
Finding the right compensation policy can be confusing, especially for new or growing companies. We simplify it all — ensuring your business remains fully covered, compliant, and confident.
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.
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.
Possible Pitfalls We Help You Avoid
Non-compliant policies: Many businesses assume the policy covers all employees the same. If employees are involved in risky occupations, insurers must be aware or a claim may be declined to non-disclosure of the risks.
Incomplete coverage: Some companies unintentionally omit part-time, temporary, or contract workers from their policy. We make sure every staff member — regardless of position or hours — is properly insured, protecting both your team and your reputation.
Slow claim settlements: When injuries occur, delays can be devastating. We actively coordinate between insurers, HR, and employees to accelerate claim approvals, ensuring staff get the support they need without unnecessary waiting.
With Expat Insurance, you’re not just ticking a compliance box — you’re building a safer, more responsible workplace where employees know they’re protected, and employers can focus confidently on running their business.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
