Employee's Compensation/ Labor Insurnace

Protection that supports your team—covering work-related injuries, illnesses, and employer liability, so your business and workforce stay secure every day

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Protect your employees

Here are some examples of industries that we cover

Do you need EC?

Also known as labor insurance, it protects employees from accidental injuries or even death at work, or occupational diseases specified in the Employees' Compensation Ordinance, and the employer is able to fulfill its obligation to pay compensation

Shops
Shops employing staff are legally required to provide Employees' compensation to cover employees in case of workplace injuries or accidents during daily operations. Learn more

Construction
Employees' compensation is essential on construction sites to protect workers involved in high-risk physical tasks, ensuring coverage for injuries, falls, or site-related incidents. Learn more

Events (including concerts and exhibitions)
Event organisers often hire part-time or temporary staff; Employees' compensation ensures legal compliance and protection for all workers assisting with setup, operation, and teardown. Learn more

Traditional Chinese Medicine Practice (TCM)
Employees' compensation is needed for clinics with assistants or practitioners on payroll, safeguarding them in case of injury while handling patients or equipment. Learn more

Employees Compensation Insurance (EC)

Employees' compensation aims to protect employees who have accidents during work or contract occupational diseases specified in the Employees' Compensation Ordinance, and to provide compensation in accordance with the Hong Kong Employees' Compensation Ordinance. All employers must insure each employee to ensure their basic rights and interests.

According to Section 40 of the Employees' Compensation Ordinance, all employers must take out employee compensation insurance to assume legal liability. Employees may not be employed to perform any work regardless of the contract period, working hours, full-time or part-time.

Employee compensation for work-related injuries

1 / Loss of work capacity

If an employee permanently loses his or her work capacity completely or partially due to a work-related injury, the employer must pay the corresponding compensation.

2 / Work-related sick leave benefits

If a registered doctor or assessment committee confirms that an employee needs to be absent from work, the employer must pay work-related sick leave benefits, the amount of which is 75% of the difference between the employee's monthly income before the accident and the monthly income during the absence.

3 / Medical expenses compensation

The employer must pay the medical expenses incurred by the employee due to work-related injuries, including consultation fees, hospitalization fees, medicines and treatment supplies, etc.

4 / Work-related death compensation

If an employee dies due to a work-related injury during work, the employer must pay compensation to his or her family, including funeral expenses and medical expenses.

5 / Common law and attorney fees compensation

Includes compensation for pain and suffering, loss of enjoyment of life, loss of income and loss of future work ability, in addition to special compensation such as medical expenses, supplements, transportation expenses and attorney fees.

What should you pay attention to when purchasing labor insurance?

01

Name of Policyholder

Is the company name correct and consistent with the employee contract and MPF contract?

03

Number of employees

The number of employees insured must be the same as the total number of employees in the company. (Insurance companies do not accept the practice of buying a single employee and sharing it with several casual or part-time employees)

02

Nature of business

Whether the nature of the business stated in the quotation is the same as your actual business.

04

Employee annual salary

Our quotation requires the expected salary for the next year, so you only need to evaluate and predict the total annual salary for the next year. If there is a discrepancy between the actual annual salary and the expected annual salary, the insurance company will refund or make up the premium on the principle of refunding the excess and supplementing the shortage.

05

Work Location

Whether the location where the employee works for a long time is stated in the quotation.

06

Employee Position

Does the quotation clearly express the employee's position and nature of work, such as physical labor, aerial work, driving machinery, etc.? Are there any additional exclusions?

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OUR SERVICES

Where comprehensive protection meets unmatched client advocacy

30+ insurance partners & 40+ years experience

With over 40 years of experience, we've cultivated deep relationships with 30+ leading insurers—relationships that translate into real advantages for your business. Our tenure gives us unmatched insight into carrier risk appetites and strong bargaining powers, allowing us to negotiate terms that newer brokers simply can't secure. For our clients, this means coverage that's not just comprehensive, but cost-optimised by four decades of institutional knowledge.

Long-term partnership

We take the time to learn your operations intimately, offering continuous support as your needs evolve. Our clients rely on us not just as brokers, but as long-term advisors invested in their stability. We assist clients in effectively managing their policies. We provide copies of policies, update policy information, process policy change requests, and support clients in making claims.

Your advocate, not just a broker

We operate with one simple principle: we work exclusively for you, not the insurance companies. We take the time to truly understand your unique challenges and priorities. We think proactively in your shoes, anticipating risks and opportunities you may not have considered. This client-first approach means we'll challenge insurers on unfair exclusions, negotiate better terms at renewal, and always prioritise what's right for your situation.

Rapid response

When incidents occur, we prioritise swift action to help you navigate the claims process efficiently. We guide you through each step with clear instructions on documentation requirements and procedures, ensuring your claim submission is complete and accurate from the outset. Our systematic approach combines responsiveness with careful attention to policy details, ensuring your claim processes as fast as possible.

Stress-free process

From the moment you report an incident, our specialists handle all communications with insurers, guiding you through documentation requirements in clear, straightforward terms. We take pride in removing the guesswork and proactively following up with adjusters on your behalf. Our organised approach and deep knowledge of Hong Kong insurers’ processes help prevent delays and frustrations, allowing you to focus on your business while we manage the details.

Expert handling

When you face an insurance claim, you need strategic advocacy from professionals who understand the nuances of Hong Kong’s insurance landscape. Our team of licensed brokers and claims specialists brings decades of combined experience in policy interpretation, loss adjustment, and insurer negotiation. We combine rigorous delicacy with deep knowledge of local insurers’ practices, ensuring your claim receives the professional handling it deserves.

Risk assessment

At our firm, we begin every client relationship with a thorough risk assessment. Our experienced advisors analyse your operations, identifying vulnerabilities that standard insurers often overlook, going beyond generic checklists and examining industry-specific threats. Based on our findings, we provide clear, actionable recommendations to strengthen your risk management framework.

Professional advice

Our advisors take time to thoroughly understand your business operations, financial priorities and risk tolerance before recommending solutions. We cut through complex insurance jargon to clearly explain coverage terms, exclusions and pricing structures across multiple policies as well as identify optimal coverage from our network of trusted Hong Kong insurers.

Insurance market analysis and cost efficiency

We conduct ongoing analysis of market trends, coverage innovations, and insurer performance to provide clients with strategic insights. Leveraging our established relationships with local insurers, we negotiate competitive terms while maintaining comprehensive coverage - consistently achieving significant savings compared to standard market premiums. It is our goal to achieve a 15% cost reduction compared to your existing premium.

Why choose LSC?

‎	LSC (Broker) 保險經紀	Agent 保險代理	Insurer 保險公司
Works for	You (Client-focused advocacy)	The insurer they represent	Shareholders
Choice of insurer	Compare 30+ insurers	Limited to 1-4 partnered insurers	Only sells own products
Product scope	Comprehensive	Limited	Niche & Restricted
Customisation	Tailored corporate solutions	Personalised life products	Standard package
Risk advice	Proactive expertise	Basic guidance	Sales-driven
Typical client profile	Corporate, SMEs, NGOs	Individual	Solo interest in one insurer
Claim support	End-to-end advocacy (loss adjuster experience)	Limited (Relies on claims department)	Minimal, hotline experience
Cost efficiency	Negotiated rates (Strong bargaining power with insurers)	Limited price options (Less bargaining power)	Fixed pricing
Compliance help	Yes (E.g. HK ECO, Section 88)	Minimal	None
Your best choice	Yes	No	No