How we work
Five stages on every renewal, handled by the same broker from review to claim.
01 / Review
We read the current policies against how the business actually operates today: sites, contracts, payroll, revenue by territory and the claims that have been paid.
02 / Prepare
Underwriters price what they can see. We build one file per line with the facts that move price and terms, presented before the market asks for them.
03 / Market
Each risk goes to the insurers with genuine appetite for it. Fewer, better approaches return firmer terms.
04 / Bind
Before cover incepts we confirm the wording, subjectivities and endorsements match what was agreed. Discrepancies are fixed before they matter.
05 / Claims
We notify, prepare the claim and negotiate with the adjuster and the insurer. The broker who placed the risk stays involved until settlement.
Terms of engagement
As a licensed broker our duty is to the policyholder. Advice is given on suitability, not on which insurer pays more.
Brokerage and fees are stated in writing before cover is placed, by line and by insurer.
A broker, an account handler and a claims contact are named for every client. The names do not change at renewal.
Every renewal closes with a written summary of what was placed, what was declined and why.
Ready when you are
Direct line[enquiries email]Monday to Friday, 9:00 to 18:00 HKT