As an employer, you are required to take out employees’ compensation insurance to cover your liabilities for your helper’s injuries at work. This is a requirement under the Employees’ Compensation Ordinance and foreign domestic helpers are entitled to the same benefits and protections under the Employment Ordinance. Failure to do so is an offense in law, punishable by a fine and imprisonment.
You are also required to provide free medical treatment to your foreign domestic helper according to the standard employment contract, which is another reason that it is advised to apply for a domestic worker protector to cover the related medical expenses when they arise.
These legal obligations aside, however, buying the right coverage for the domestic helpers who help take care of your family is the right thing to do.