Compliance Boundaries For PRC Insurer’s Remote Work

In recent years, with the increasing adoption of remote working models, insurance companies in China have been exploring more flexible employment and office arrangements, including work from home, cross-regional working, and sharing office space. While these arrangements may improve operational efficiency, they also raise an important compliance issue: whether employees working outside the registered location may be regarded by the insurance regulators as establishing a branch without approval or changing business premises without approval.

In the insurance sector, which is subject to strict regulation, this issue involves not only approval requirements but also potential administrative penalties for violations.