Hong Kong · Business Protection
Business protection, structured around real commercial risk.
Trusted Union helps businesses review professional, operational, cyber and management liability risks, then structure insurance around contracts, exposures and long-term business resilience.
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Business insurance should not be treated as a list of disconnected policies.
For many companies, insurance is driven by client contracts, leases, statutory obligations, board concerns, professional exposures, cyber threats, operational risk and regional or international requirements.
The challenge is understanding what cover is actually required, where the gaps are, and whether the current programme remains suitable as the business changes.
Trusted Union works with businesses ranging from founder-led companies and professional firms to regional businesses and larger corporate groups.
We help clients review business protection arrangements in a more structured way, including professional indemnity, directors and officers liability, cyber risk, employees compensation, public liability, office insurance and event insurance.
Our role is not simply to obtain quotations. It is to help businesses understand their risk, satisfy contractual requirements, review insurer options and structure cover that is practical, appropriate and sustainable.
Distinct capability
Insurance across borders, structured around one business.
For groups managed from Hong Kong but operating through entities, offices and clients in several countries — coordinating central and local cover, insurer networks and programme administration, with clearer oversight from Hong Kong.
Explore Multinational & International ProgrammesWhat Trusted Union Reviews
A structured review, item by item.
Where the information is available, a review typically looks across the following.
- Nature of the business
- Professional services provided
- Client contracts and insurance clauses
- Lease, venue or landlord requirements
- Employee headcount and occupations
- Annual turnover and revenue split
- Geographic exposure
- Regional or international operations
- Cyber risk and data handling
- Management liability exposure
- Director and shareholder structure
- Claims history
- Existing policy limits and exclusions
- Insurer appetite
- Jurisdiction and territorial cover
- Renewal timing
- Certificates of insurance
- Premium sustainability
- Gaps between contractual requirements and actual cover
The Trusted Union Approach
Business insurance structured around real commercial risk, contracts and continuity.
Why It Matters
Why a structured review matters.
Business insurance often becomes urgent at the wrong time. A client may request proof of insurance before signing a contract. A landlord may require public liability or property cover. A professional services agreement may require indemnity limits that are not currently in place. A cyber incident may reveal gaps in incident response. A director may only consider D&O after investor, board or regulatory pressure.
For larger or more complex organisations, the issue may not be whether insurance exists, but whether the programme remains aligned with changing operations, regional exposure, contractual obligations, insurer appetite and renewal sustainability.
A structured business protection review helps companies identify issues earlier and avoid rushed decisions.
Why Trusted Union
Advice held to a consistent standard.
Advisory-Led Review
We help clients understand the risk behind the policy, not just the policy name.
Contract and Commercial Awareness
We review insurance requirements in the context of contracts, leases, client obligations, operating structure and business activity.
Market Access
We work with a range of local and international insurers and help clients understand which markets are suitable for their risk profile.
Claims and Renewal Perspective
We consider insurer quality, claims service, underwriting appetite and likely renewal behaviour, not just first-year pricing.
Support Across Business Sizes
We support founder-led businesses, professional firms, regional companies and larger corporate groups that need clear, commercially useful insurance advice.
Common Questions
Questions we’re often asked.
What is business protection insurance?
Business protection insurance is a broad term covering different types of commercial insurance that help protect a company against professional, operational, cyber, employment, property and liability risks.
What insurance does a business need in Hong Kong?
This depends on the nature of the business. Common areas include employees compensation, public liability, professional indemnity, cyber insurance, directors and officers liability and office or business package insurance.
Is employees compensation insurance mandatory in Hong Kong?
Yes. Employers in Hong Kong are generally required to arrange employees compensation insurance for their employees, subject to applicable legislation and policy terms.
What is the difference between professional indemnity and public liability?
Professional indemnity usually relates to claims arising from professional advice, design, services or errors. Public liability usually relates to third-party bodily injury or property damage arising from business activities or premises.
Do larger companies still need a business insurance review?
Yes. Larger and regional companies may already have insurance in place, but they still need to review whether cover remains suitable as contracts, operations, revenue, headcount, jurisdictions and insurer conditions change.
Can Trusted Union review our existing business insurance?
Yes. We can review existing policies, contractual requirements, renewal terms and insurer options to help identify whether the current programme remains suitable.
Should we choose the cheapest business insurance?
Not always. Premium is important, but policy wording, exclusions, claims service, insurer appetite, jurisdiction, renewal behaviour and contractual suitability may be more important than the lowest first-year price.
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