Hong Kong · Independent Advisory
Structured advice across business, people and private client risk.
Trusted Union helps clients review insurance through three connected advisory areas — Employee Benefits, Business Protection and Private Client — each with the same purpose: clearer decisions around risk, protection, cost and long-term suitability.
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One firm, three connected areas of advice.
Each area is different — a workforce benefit, a corporate liability, a private asset — but the underlying discipline is the same.
We help clients step back from the quote and review the wider context: what needs to be protected, where the risk actually sits, which trade-offs matter, and how the insurance market should be approached.
Pillar 01
Employee Benefits
Managed as a financial and workforce risk area, not a once-a-year renewal. Group medical, corporate health, group life, disability benefits, wellbeing, claims experience and renewal sustainability — with clearer visibility for HR and Finance.
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Pillar 02
Business Protection
Professional, operational, contractual and management risk. Professional indemnity, directors and officers liability, cyber, employees’ compensation, public liability, office and event insurance — practical, defensible protection for companies. This includes a distinct capability for Multinational & International Insurance Programmes.
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Pillar 03
Private Client
Individuals, families, founders, family offices and collectors — across health, life, income, business continuity and valuable assets. International medical, life, critical illness, income protection, and cover for jewellery, watches and fine art.
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One structured process, applied across every area of advice.One Advisory Process
One Advisory Process
The same discipline, whatever the risk.
Understanding, review, market benchmarking, clear advice and ongoing support. Whatever the area, the questions we work through stay consistent.
Understand
We begin by understanding the client, the risk, the existing arrangements and the objective behind the review.
Review
We review existing cover, exclusions, limits, underwriting terms, claims experience and the gaps that actually matter.
Benchmark
Where appropriate, we benchmark the insurance market on appetite, pricing, service and suitability.
Advise
We explain the options, the trade-offs and the recommended structure in clear, non-technical language.
Support
We support clients beyond placement, including renewal review, claims guidance and changes over time.
Advisory Services at a Glance
Three connected areas, one independent standard of advice.
Whatever the risk, the discipline is the same: understand, review, benchmark, advise and support — with adviser judgement at the centre.
01
Three pillars
Employee Benefits, Business Protection and Private Client.
02
Independent
Advice across local and international insurance markets.
03
Structured
A consistent, documented review process at every stage.
04
Adviser-led
Human judgement, supported by modern workflow and technology.
Request a Confidential Review
Request a Confidential Review.
Start with a structured conversation about the area of insurance you would like to review.
Request a Confidential Review