In today’s business world, with new technology and new business regulation, a company runs into more risks than ever before. Information got hacked and leaked; directors got sued; clients are getting more savvy and know what their rights are and use it to their advantage.

Risk are no longer confine to Hong Kong but are now Worldwide. That’s why “RISK MANAGEMENT” is the new key phase for companies that want to stay in business and to growth. More people are now realizing that insurance product should be a standard part of risk management.

With the climate change, freak storm and weather is occurring more frequent and cause more accident at sea. That’s where Cargo insurance can help.

As trading company or manufacturers, Product Liability Insurance is now almost a basic requirement from the vendors.

As a professional service provider, Professional Indemnity Insurance is also needed to give your client a peace of mind.

As a director of an organization, changing business regulation and increase in duty means you are more likely to fall into legal tangle.

We at Grand Trust Underwriters pride ourselves in specializing complex liability insurance products.

Insurance like Product Liability Insurance, Directors and Officers Liability Insurance, Commercial General Liability Insurance, Kidnap & Ransom & Extortion Insurance, Environmental Liability Insurance, School’s Professional Indemnity and Board of Director’s Liability Insurance. We also provide a board range of insurance products for Business and Individual! For example, we provide full range of Medical Insurance, Employment Practices Liability Insurance, Travel Insurance and Personal Accident Insurance for all your Insurance needs. A new insurance concept had been developed for High Net Worth client as well. At Grand Trust,

WE’VE GOT YOU COVERED

The post Why do you need insurance? appeared first on Grand Trust Underwriters.

保險代理人是指代表保險公司的代理人，而在香港或從香港就保險合約提供意見或安排該等合約的人。

保險代理人必須同時獲保險公司委任成為代表並且須向香港保險業聯會轄下的保險代理登記委員會登記，方可以從事保險業務。

在現有的制度之下：

1) 保險代理人，他們的負責人及業務代表受到**保險代理登記委員會及其管理守則審慎的規管。登記委員會有權對向其登記的保險代理人、其負責人或業務代表執行紀律處分。

2) 保險代理人受他們所代理的保險公司所監察。保險公司有權向其代理人進行核數。

3)根據保險公司法例第六十八條，保險公司必須為代理人對於客戶所作出的保險承諾及行為負責。

所以透過保險代理人(AGENT)購買保險，可以令你加倍安心。一來保險代理人受不同的制度監察及規管，大大提升保險代理人的專業資格與商業操守。二來，因為保險代理人代表保險公司洽談保險合約。 除了可以利用保險公司資源來提高效率，保險公司更需要為代理人所作出的承諾負責，無疑令到客戶得到多一份的保障。

**保 險 代 理 登 記 委 員 會 備存 一 份 獲 委 任 的保 險 代 理 人 的 登 記 冊 ， 以 及 一 份 保 險 代 理 人 的 負 責 人 和 業 務 代 表 的 附 屬 登 記 冊。如 果 你 想 查 證 保 險 代 理 人、 他 們 的 負 責 人 及 業 務 代 表 是 否 已 經 正 式 登 記 ，可 分 別 查 閱 這 些 登 記冊 及 附 屬 登 記 冊 。 公 眾人 士 可 到香 港 保 險 業 聯 會 網 頁 查 閱 這 些 登 記 冊 ， 網 址 是 http://www.hkfi.org.hk。**

保險經紀(Brokers)

保險經紀是指作為保單持有人或有意購買保單的人的代表。他們的身分是完全地獨立。目前在自律規管制度之下，保險經紀可以申請成為其中一間獲保險監理署認可的保險經紀團體的成員並受該團體規管。

The post 保險代理人與經紀的分別 appeared first on Grand Trust Underwriters.