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 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 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.
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.
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.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote 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
Provides financial security and peace of mind for your family, helping them stay stable and avoid added stress if the unexpected occurs.
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.
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.
Blog & News Update
How I Negotiated Zero Premium Increase for a Client with an Ageing Workforce
Last quarter, I sat across from an insurer who wanted to raise premiums by 8%…
Avoiding the Problem of Group Insurance Gaps
I've watched HR teams discover their group insurance gaps in real time.An employee needs surgery.…
Why Drone Insurance Breaks Every Aviation Rule
Traditional aviation insurance makes one fundamental assumption: the pilot can see what they're flying.Direct line…
