Providing risk solutions since 1984.
LSC is one of Hong Kong's leading corporate insurance brokers — offering specialised insurance solutions and bespoke advisory services. Partnered with 30+ insurance companies, we save you time and money through unbiased, independent and professional advice.
We partner with clients from all industries and sizes — from individuals and SMEs to listed companies — making insurance simple, affordable and efficient.
Our edge, in detail
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.
Broker vs Agent vs Insurer
Hover over a column to compare.
| LSC (Broker) | Agent | Insurer | |
|---|---|---|---|
| Works for | You — client-focused advocacy | The insurer they represent | Shareholders |
| Choice of insurer | Compare 30+ insurers | Limited to 1-4 partner insurers | Only sells own products |
| Product scope | Comprehensive | Limited | Niche & restricted |
| Customisation | Tailored corporate solutions | Personalised life products | Standard package |
| Risk advice | Proactive expertise | Basic guidance | Sales-driven |
| Claim support | End-to-end advocacy | Limited (relies on claims dept.) | Minimal — hotline only |
| Cost efficiency | Negotiated rates | Limited price options | Fixed pricing |
| Compliance help | Yes (HK ECO, Section 88) | Minimal | None |
Comprehensive protection. Unmatched advocacy.
Deep relationships with leading insurers and four decades of experience — unmatched insight and bargaining power.
We learn your operations intimately and support you as needs evolve.
We work for you, not the insurers — challenging unfair exclusions and securing better terms.
Swift action with clear documentation guidance — claims process as fast as possible.
We handle insurer communication and follow up with adjusters so you focus on business.
Licensed brokers and claims specialists with decades of combined experience.
Thorough analysis to identify vulnerabilities standard insurers overlook.
Plain-English explanations tailored to your business and risk appetite.
We target a 15% premium reduction vs. existing cover, leveraging local insurer relationships.
How to choose your insurer & broker
Price alone doesn't tell the full story. Compare on these six points to know what you're really getting.
Premium
Total cost vs. what's actually covered.
Warranty
Restrictions that can void cover if breached.
After-sales service
Response speed & claims handling experience.
Insurer credit rating
Financial strength (e.g. A.M. Best, S&P).
Extensions
Sub-contractor cover, principal's liability, etc.
Named / unnamed basis
Whether each employee must be declared by name.
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.