Insurance broking, built around your business.
With 40+ years of expertise, LSC compares 30+ Hong Kong insurers to tailor comprehensive insurance packages that manage your specific risks — from EC and Contractor All Risks to IO coverage.
Submit your documents in the morning — get your CoI in time to meet contract, venue or licensing requirements today.
Insurance that fits how your business actually runs
Five core packages, each tailored from 30+ insurer options.
Employees' Compensation (EC)
Statutory employer liability cover for work injury, disease and death.
Contractor All Risks (CAR)
Indemnity for contract works damage and works-related legal liability.
Incorporated Owners' (IO) Insurance
Statutory third-party risk cover for building common areas (min HK$10M).
Shop Insurance
Contents, money and third-party liability cover tailored for retail shops.
Office Insurance
Contents, equipment and liability cover for offices and workspaces.
Employees' Compensation (EC) — legally required for every HK employer
Under Section 40 of the Employees' Compensation Ordinance every employee — full-time, part-time or casual — must be insured. LSC compares 30+ insurers to issue your Certificate the same day, typically 15% below market.
Your advocate — not just a broker.
Four decades of insurer relationships, end-to-end claims support, and a single principle: we work exclusively for you.
30+ insurance partners & 40+ years experience
Four decades of relationships with leading insurers translate into real advantages — better risk appetite insight, stronger bargaining power, and terms newer brokers can't secure.
Your advocate, not just a broker
We work exclusively for you. We challenge insurers on unfair exclusions, negotiate better terms at renewal, and always prioritise what's right for your situation.
End-to-end claims advocacy
From the moment you report an incident, our specialists handle all insurer communications, follow up with adjusters and prevent delays — so you can focus on your business.
Long-term partnership
We invest time to learn your operations — providing copies of policies, processing changes, supporting claims and adapting cover as your business evolves.
Cost efficiency — 15% target saving
Ongoing market analysis and our established insurer relationships consistently deliver significant premium savings — typically 15% below your current premium.
Risk assessment & professional advice
Every engagement starts with a thorough risk assessment — identifying vulnerabilities standard insurers overlook and providing clear, actionable recommendations.
Trusted across Hong Kong's industries
From construction sites to property management, from offices to retail shops.
Tight project timeline requiring same-day CAR quote & Certificate of Insurance.
Public liability and group accident cover for tournaments, classes and volunteers.
International exhibition requiring tailored third-party liability and exhibit cover.
Incorporated Owners requiring statutory HK$10M third-party cover for common areas.
Public liability and event accident cover for member events and venues.
Professional indemnity for clinical practice with telemedicine extension.
Same-day quotes and Certificate issuance, prices better than the market, and someone always answers when there's a question.
Already insured? Why get an alternative quote from us
Renewing on auto-pilot is the easiest way to overpay or stay under-covered. A 5-minute alternative quote gives you three concrete wins.
Review your existing policy
We read your current schedule and flag warranties, sums insured or exclusions that no longer fit your operations — before they hurt a claim.
Reset to a clean-claim rate
Quotes typically only consider the last 3 years of claims history. If a past incident is older than that, you're effectively a clean risk — and that often unlocks a lower premium.
Get a commercial-line specialist
If your current agent mainly handles life or personal insurance, EC and commercial claims can fall outside their day-to-day. A commercial specialist follows up your claim end-to-end.
Ready for a no-obligation quote?
Tell us your needs on WhatsApp. We compare insurers, you decide.