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Workplace accidents happen – even when your processes are watertight and your people are careful. But when they do, you don’t want to be caught off guard.
Employee Compensation Insurance (ECI) protects your business and your people when the unexpected hits. Whether it’s a slip, a fall, or something more serious, we help you navigate the claims process and keep things moving – for your team, and your bottom line.
Smart protection, built around your business
No two businesses are the same. That’s why your ECI policy shouldn’t be, either.
Whether it’s part of your wider business insurance or a standalone policy, we’ll tailor it to suit your sector, your structure, and the risks you face. Construction, retail, finance, manufacturing – we’ve got you covered.
What does ECI cover?
In Hong Kong, it’s the law. Every employer must provide Employee Compensation Insurance under the Employees’ Compensation Ordinance. But legal obligations aside, it’s about doing right by your people.
ECI covers:
- Full and part-time staff
- Contractors, freelancers, and sub-contractors
- Injury, illness, or death while on the job
And with Howden in your corner, even the most complex cases become manageable. Our strong insurer relationships and negotiation skills mean smoother claims and quicker outcomes.
What does great ECI look like?
A decent policy will tick the legal boxes. A great one will do much more.
Here’s what to look for:
- Total compliance: Meets all legislative requirements under the Employees’ Compensation Ordinance.
- Covers all worker types: From office staff to contract workers and consultants.
- Healthcare support: Because helping someone get back on their feet is good for them – and your business.
And here’s what to expect from us:
- Deep understanding of your industry
- Fast, fuss-free claims handling
- Strong legal partners if it goes to court
- Solid reserving strategies that keep premiums fair
Quick resolutions matter – delays cost time, money, and morale. We help you keep it all on track.
Where we shine: Claims, cover and care
Our team knows this space inside out. From claim to resolution, we manage the details so you can focus on running your business.
We offer:
- Bespoke policy design for your sector and structure
- Direct claims handling with insurers – we negotiate on your behalf
- Access to A-rated insurers and competitive terms
Extra value, minus the hassle
We go beyond the policy to make life easier for you and your people:
- Claims data insights: We analyse your claims data to uncover patterns, spot anomalies, and highlight trends. This helps you make informed decisions with confidence.
- Risk management support: Our insights help you assess risk exposure, understand your claims profile, improve operational efficiency, and reduce the financial impact of claims.
- Instant claims app: Report claims on the go, track claim progress, and access real-time updates in one easy-to-use app.
- Claims training: We equip your team with the knowledge to handle claims efficiently, from documentation to resolution, minimising delays and confusion.
- Workplace rehabilitation & risk advice: Support employees back into work and reduce claim frequency with risk assessments and tailored advice.
- Insurer reviews: We regularly review insurer reserve estimates to prevent inflated renewals – and make sure you’re not overpaying.
Add-ons worth knowing about
We can build in:
- Cover for sub-contractors and self-employed consultants
- Travel cover to and from work
- Weather-related protection (e.g. typhoons, rainstorms)
- Cover for staff working overseas temporarily
- Preferred legal and loss adjuster partners
- Healthcare management services
