Insurance Solutions for Businesses and Individuals
From startups to listed companies — and from you to your family. Every solution starts with risk assessment, then compares 30+ insurers.
We analyse your operations to identify vulnerabilities standard insurers often overlook.
We compare 30+ insurers and present the most appropriate options tailored to your needs.
Once you confirm, we finalise documentation and process payment efficiently.
Receive your policy with ongoing support for changes, renewals and claims.
Commercial Lines
For startups, SMEs and listed companies.
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.
Event Insurance
Tailor-made cover for concerts, exhibitions, weddings and brand events.
NGO & Social Enterprise
Specialised cover for nonprofits — volunteers, events, D&O and cyber.
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.
Restaurant Insurance
All-in-one cover for restaurants — contents, food spoilage, public liability and EC.
Product Liability
Manufacturer / distributor cover for products sold or supplied.
Professional Indemnity
Negligence claims cover for professional services firms.
Group Personal Accident
Accidental death, permanent disability and other benefits for staff.
Group Medical
Customised outpatient and surgical benefits for your company.
Exhibition Insurance
Cover exhibitors against third-party liability and exhibit loss.
Concert & Musical Event Insurance
Reliable coverage for every note, light and crowd — concerts, musicals and live music events of all scales.
Cleaning Industry Insurance
Annual open cover for cleaning contractors — Public Liability & EC on contract or turnover basis.
Chinese Medicine Practitioner Insurance
Malpractice & vicarious liability for registered CMPs — free remote consultation cover, same price for new graduates.
Personal Lines
For you, your family and loved ones.
Home Insurance
Comprehensive cover on home contents including personal liability.
Fire Insurance
Building structure cover — mandatory for mortgaged properties. Premium as low as 0.03%.
Travel Insurance
Personal accident, medical and 24/7 worldwide assistance.
Private Motor
Third party or comprehensive cover for private vehicles.
Medical Insurance (incl. VHIS)
Hospitalisation and surgical insurance for you and family.
Domestic Helper
Full range cover for overseas domestic helpers with 12 sections.
Why choose a broker?
| 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 |