Employers Must Take out Employees' Compensation Insurance
According to Section 40 of the Employees' Compensation Ordinance, all employers (including contractors and sub-contractors) are required to take out insurance policies to cover their liabilities both under the Ordinance and at common law for injuries at work in respect of all their employees, irrespective of the length of employment contract or working hours, full-time or part-time, permanent job or temporary employment. The minimum insurance cover should be for an amount:
No. of Employees
Amount of Insurance Cover per Event
|not more than 200
||not less than HK$100 million
|more than 200
||not less than HK$200 million
An employer who fails to comply with the Ordinance to secure an insurance cover commits an offence and is liable on conviction to a maximum fine of HK$100,000 and imprisonment for two years.
Employers can visit the website of the Hong Kong Federation of Insurers for a list of insurers authorized to write employees' compensation insurance business.
If an employer experiences difficulties in acquiring employees’ compensation insurance cover, he may apply to join the Employees’ Compensation Insurance Residual Scheme. For Scheme details and the eligibility criteria, please contact the Employees’ Compensation Insurance Residual Scheme Bureau: