Employers are obliged to take out employees’ compensation insurance policies for all employees

According to section 40 of the Ordinance, no employer shall employ any employee in any employment unless there is in force a policy of insurance 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 employment. Should there be any queries on legal liability, employers should seek professional legal advice.

The following points should also be borne in mind:

• Ensuring that all employees are covered by the insurance policy and that when the number of employees increases, the employer should notify the insurer or your insurance advisor accordingly as soon as possible;
• Giving a detailed declaration to the insurer on the annual earnings and job duties of individual employees;
• Listing the usual work locations of employees;
• Stating specifically those employees who are required to work outside Hong Kong or take overseas business trips;

Information retrieved from website of Labour Department