You need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning less than $1,600 a month.
Who needs to be insured under work injury compensation
If you are an employer, you are required to buy work injury compensation insurance for:
- All employees doing manual work, regardless of salary level.
- All employees doing non-manual work, earning less than $1,600 a month.
You must have insurance for both local and foreign employees. Failure to provide adequate insurance is an offence carrying a fine of up to $10,000 or jail of up to 12 months, or both.
For other employees, you have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, you will have to compensate them regardless of whether they are insured.