Employee Insurance
A compliant employees’ compensation policy is the most reliable safety net for your business.
In today’s fast‑changing commercial environment, you pour effort into growing your company—but have you considered how a single unexpected accident could expose you to重大 financial risks and legal liabilities?
For a forward‑looking business decision‑maker, Employees’ Compensation Insurance in Hong Kong (also known as labour insurance) is not only a statutory requirement, but a cornerstone of stable operations and a responsible commitment to your staff, your company, and yourself.
Did you know? Under Hong Kong’s Employees’ Compensation Ordinance:
- The coverage applies to employees injured at work or suffering from occupational diseases, regardless of whether the accident was caused by the employee’s own negligence.
- The coverage includes all employees injured on the job or suffering from occupational diseases, regardless of whether the accident was caused by the employee's negligence.所有因工受傷或罹患職業病的僱員，無論意外是否因僱員過失所致。
- Non‑compliance can result in a maximum fine of HKD 100,000 and imprisonment for up to two years.
Compliance is only the baseline—the real value lies in securing comprehensive protection.
Why Choose Us to Safeguard Your Business?
1. Comprehensive statutory protection for complete peace of mind
We provide Employees’ Compensation Insurance that fully covers all liabilities required under the Employees’ Compensation Ordinance, including:
- Work injury medical expenses, hospitalization fees and rehabilitation costs
- Work injury sick leave pay (paid on schedule)
- Permanent loss of working capacity compensation
- Death compensation and funeral expenses
In the event of an accident, we will be your strongest support, handling the complex claims process so you can focus on business operations.
2.Protection beyond the legal minimum, reflecting genuine care
We understand that employees are your most valuable asset, so our plans can include額外保障，例如：
- additional benefits such as non‑work‑related accident coverage
- Condolence money, reflects the company's human touch.
- Legal Aid Protection
These extra benefits can significantly boost employee loyalty and morale, helping you build a positive and engaged corporate culture.
3. Professional risk assessment and prevention to reduce risks at the source
Our professional team not only provides insurance but also offers occupational safety and health advice. Through effective risk management, we help you create a safer working environment, thereby effectively reducing insurance premiums and achieving a win-win situation.職業安全健康建議Our specialist team goes beyond insurance placement and offers practical occupational safety and health recommendations tailored to your business. By strengthening workplace safety and risk management, we help you build a safer working environment and potentially lower long‑term insurance costs—a true win‑win.有效降低保費成本，實現雙贏。
4. Efficient, streamlined claims support to simplify complexity
With an experienced claims team, we can step in quickly after an incident to offer clear guidance and robust support throughout the entire claims process, ensuring compliance and timely compensation for employees. This helps ease labour–management tensions and reduce disputes, allowing your business to recover and move forward more smoothly.
Who needs to be insured? The answer is: every employer!
Regardless of your industry or company size, if you employ one or more people, you are legally required to have insurance:
✅ Construction sites, logistics and transportation (high-risk industries)
✅ Restaurants, hotels, and retail stores (service industries)
✅ Office buildings and educational institutions (clerical industries)
✅ Startups and SMEs
✅ Construction sites, logistics and transportation (high‑risk industries)
✅ Restaurants, hotels, retail shops (service sector)
✅ Offices, educational institutions (white‑collar roles)
✅ Start‑ups and SMEs
Don’t let a moment of oversight become a stumbling block to your business growth.
Take action now and build the strongest line of defence for your company!
A smart choice of employees’ compensation insurance is not only about meeting legal obligations, but also a highly valuable business investment. It protects your corporate assets, reassures your employees, and allows you to expand your business with peace of mind.
我們的保險顧問將為您進行免費諮詢及風險評估，根據您的行業特性和公司規模，量身定制最符合成本效益的勞工保險方案。
Protecting your employees means protecting the future of your business. Choose us as your partner, and we will move forward with you.
This article is for reference only. The specific registration requirements are subject to the latest regulations of the Labour Department.