Hong Kong · Independent Insurance Advisory
Insurance advice for businesses, employers and private clients who need more than a quote.
Trusted Union is a Hong Kong-based independent insurance advisory firm helping businesses, HR and Finance leaders, founders, family offices and private clients make clearer decisions around risk, protection and insurance.
Request a Confidential ReviewInsurance decisions are rarely just product decisions.
For employers, the right structure can affect employee retention, claims resilience, medical inflation exposure, renewal sustainability and workforce confidence.
For companies, it can influence contractual risk, management responsibility, cyber exposure and business continuity. For private clients and family offices, it can affect continuity of care internationally, the protection of valuables and how a family plans across generations.
Trusted Union helps 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.
Advisory Areas
Here to help businesses and private clients make clearer insurance decisions.
Three advisory pillars. One structured, independent approach to reviewing cover, cost and long-term suitability.
01
Employee Benefits
Group medical, corporate health, group life, disability, wellbeing and renewal strategy for employers who want clearer visibility over cost, claims and long-term benefits sustainability.
02
Business Protection
Professional indemnity, directors and officers liability, cyber, employees’ compensation, public liability and other corporate risk arrangements for companies that need practical, defensible protection.
03
Private Client
International and private medical insurance, life protection, critical illness, income protection, founder protection, and cover for jewellery, watches, fine art and valuable collections.
Independent advice, structured process, and access to local and international insurance markets.Hong Kong · Independent Insurance Advisory
Human Advice. Modern Workflow. Market Access.
Trusted Union combines three things clients increasingly need from an insurance adviser.
The result is a more disciplined advisory experience: clearer recommendations, consistent review, and support that continues well beyond placement.
Human judgement
Insurance decisions involve trade-offs around cost, cover, exclusions, claims service and long-term suitability. Those judgements stay with an experienced adviser who knows the client and the market.
Modern workflow
Structured processes and technology-enabled workflow keep reviews consistent, well documented and repeatable at renewal — with adviser review and oversight retained at every stage.
Market access
We work with local and international insurance markets to help clients review suitable options across employee benefits, business protection and private client cover.
Our Process
A structured review process, from first conversation to ongoing support.
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.
Why Trusted Union
Independent. Structured. Relationship-led.
Founded and headquartered in Hong Kong, Trusted Union is an advisory-led, process-led business combining experienced advisers with modern systems behind the scenes.
- Independent advice across local and international insurance markets.
- A structured process that begins with understanding, not with a quotation.
- Experience supporting Hong Kong businesses, multinational operations, founders and private clients.
- Practical review of cost, cover, underwriting, exclusions and claims experience.
- Modern workflow and structured systems behind the scenes, with adviser oversight at every stage.
- Discreet, relationship-led support through placement, renewal and claims.
Hong Kong advice with international reach.
The businesses we serve are often too complex for an ordinary local broker, but too important to become a small account inside a large global one.
Trusted Union coordinated a Hong Kong-led liability programme supporting affiliated operations across approximately 12 international offices for a management consulting group.
Trusted Union’s role: central programme coordination, entity scheduling, insurer liaison, policy administration and renewal support.
Anonymised client engagement
Trusted Union at a Glance
The measure of an independent, advisory-led firm.
01
Independent
Not tied to any single insurer — advice across local and international markets.
02
Three pillars
Employee Benefits, Business Protection and Private Client, under one process.
03
Local and international markets.
Access to Hong Kong and international insurance markets and specialists.
04
Hong Kong
Founded and headquartered in Hong Kong, advising internationally mobile clients.
Claims Support
When you need the policy to work, we stay involved.
A claim can quickly become complicated. We help clients understand the process, organise the information insurers require, liaise with insurers and claims teams, and make sure the circumstances are clearly presented.
Have a claim or want to discuss a situation? Call us directly on +852 3643 1550
Client Reviews
Reviewed by the people we work with.
Excerpts from reviews our clients have published on Google and Trustpilot.
As an events company we have very specific insurance requirements, and Trusted Union have been able to provide solutions tailored to our needs. We’ve worked with Liam for several years now, and he is consistently professional, friendly and courteous – and took the time to understand the nuances of our business before recommending insurance policies that would suit. Most vitally, he makes himself available throughout the process if needing to activate said policies…
Over the 50 brokers and insurance companies I’ve contacted for my professional indemnity insurance, Trusted Union was the only one that gave prompt replies, quotations, and advice. They also endeavoured with their best efforts to help me explore all options and obtain different quotations that suited my practice and needs within a reasonable time.
Liam and his team were proactive in getting me best pricing, and when I had a large claim to make of over 1mm HKD, were persistent in getting this complex matter settled and paid to me. I’ve found Trusted Union to be reliable and honest and a higher standard of service than any of the competition I have tried.
I’ve been working with Trusted Union for nearly eight years and have consistently received exceptional, professional advice across all of our insurance needs. Their team is knowledgeable, responsive, and genuinely committed to finding the right solutions. It’s rare to find a broker that combines expertise with such a high level of personal service, and Trusted Union has delivered that year after year. Highly recommended.
Read more reviews on the live profiles
Request a Confidential Review
Start with a confidential review.
Whether you are reviewing employee benefits, business protection or private client insurance, Trusted Union can help you understand the options and structure the next step clearly.
Request a Confidential Review