Protecting Your Workforce and Your Bottom Line
In Hong Kong, securing your workforce is not just a best practice—it is a strict legal requirement. We handle the complexities of Statutory EC Insurance so you can focus on scaling your business without the fear of liability.
WhatsAppUnder the Employees’ Compensation Ordinance (Cap. 282), all employers—even those with only one employee—must carry valid ECI. Here is how Anglo East ensures you stay protected:
Avoid severe penalties. Failure to comply can result in fines up to HKD 100,000 and imprisonment. We ensure your policy meets all legal thresholds.
Workplace accidents happen. We secure mandatory cover limits of at least HKD 100,000,000 (for under 200 employees) to shield your balance sheet from ruinous claims.
Operating with subcontractors? We help clarify the chain of liability, ensuring you don’t absorb the financial shock of a subcontractor’s uninsured injured worker.
With Anglo East Insurance, securing your workforce means securing your future. We handle the complexities of ECI so you can focus on growth, embodying our commitment to protecting your ‘money and honey.’
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Employees’ Compensation Insurance covers any employee who is injured or falls ill due to work-related activities. For businesses employing fewer than 200 employees, it is mandatory to purchase policies of at least HKD 100,000,000 to ensure the employer is no longer liable for costs and damages arising from workplace injuries or illnesses to employees.
Important Considerations:
When completing the insurance application, it is crucial to precisely detail the job tasks of the related employee. ECI rates are based on the job classification of each employee, and accurate information helps ensure reasonable premiums and adequate coverage.
Subcontractors must ensure they hold a valid Employees’ Compensation Insurance policy and provide relevant proof to the main contractor.
Failure to display a notice of insurance may result in a fine of up to HKD 10,000.
This was a case where Mr. Lo Siu Wa was injured while performing construction work for his employer, Novo. Novo had not registered Mr. Lo as an employee, and therefore their corresponding ECI insurers did not believe they were liable to pay the claim.
After visiting courts at the request of an appeal by Mr. Lo, it was ruled that Mr. Lo was considered an employee of Novo. Had Novo not been insolvent, their liability might have been rejected by their underwriters, AXA, for misrepresentation. However, as a result of the Employees’ Compensation Ordinance Cap 282, AXA was compelled to pay Mr. Lo his compensation.
Failure to comply with the ordinance is liable to a fine of up to HKD 100,000 and imprisonment of up to two years, if found guilty, as well as potentially being forced to pay a surcharge to the Employees’ Compensation Assistance Fund.
In situations where an employer becomes aware of a work-related injury or illness, they are expected to file a report with the Commissioner for Labour and the insurer providing the coverage. The employer is expected to keep detailed records of the incident and the compensation actions for the insurer.