Protect your shop
Here are some examples of stores that we cover
Coverage
Protects store equipment, decoration, inventory, etc. from losses caused by theft, robbery, fire, flood, etc.
OUR SERVICES
Where comprehensive protection meets unmatched client advocacy
30+ insurance partners & 40+ years experience
With over 40 years of experience, we've cultivated deep relationships with 30+ leading insurers—relationships that translate into real advantages for your business. Our tenure gives us unmatched insight into carrier risk appetites and strong bargaining powers, allowing us to negotiate terms that newer brokers simply can't secure. For our clients, this means coverage that's not just comprehensive, but cost-optimised by four decades of institutional knowledge.
Long-term partnership
We take the time to learn your operations intimately, offering continuous support as your needs evolve. Our clients rely on us not just as brokers, but as long-term advisors invested in their stability. We assist clients in effectively managing their policies. We provide copies of policies, update policy information, process policy change requests, and support clients in making claims.
Your advocate, not just a broker
We operate with one simple principle: we work exclusively for you, not the insurance companies. We take the time to truly understand your unique challenges and priorities. We think proactively in your shoes, anticipating risks and opportunities you may not have considered. This client-first approach means we'll challenge insurers on unfair exclusions, negotiate better terms at renewal, and always prioritise what's right for your situation.
Why choose LSC?
| LSC (Broker) 保險經紀 | Agent 保險代理 | Insurer 保險公司 |
|---|---|---|---|
Works for | You (Client-focused advocacy) | The insurer they represent | Shareholders |
Choice of insurer | Compare 30+ insurers | Limited to 1-4 partnered 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 |
Typical client profile | Corporate, SMEs, NGOs | Individual | Solo interest in one insurer |
Claim support | End-to-end advocacy (loss adjuster experience) | Limited (Relies on claims department) | Minimal, hotline experience |
Cost efficiency | Negotiated rates (Strong bargaining power with insurers) | Limited price options (Less bargaining power) | Fixed pricing |
Compliance help | Yes (E.g. HK ECO, Section 88) | Minimal | None |
Your best choice | Yes | No | No |
