About Trusted Union
Independent advice, structured around understanding first.
Trusted Union is an independent insurance advisory firm based in Hong Kong, helping businesses, employers, founders, family offices, families and private clients make clearer decisions around risk, protection and insurance.
Meet Trusted Union
Advice at the intersection of people, business, family and risk.
Trusted Union provides independent insurance advice for clients who need more than a quick comparison or a generic product recommendation. We help employers review employee benefits, companies review corporate protection, and private clients review health, family protection, income continuity and valuable assets.
The firm is Hong Kong-based, but many of the clients we support have international lives, international businesses, overseas assets, multinational operations or family members in different jurisdictions — an international perspective that shapes how we advise.
Trusted Union has grown from a Hong Kong insurance brokerage into an independent advisory firm developed around three advisory pillars, each supported by structured review, market access, documentation, renewal management and technology-enabled workflow.
Who We Work With
Clients across business, leadership, family and jurisdiction.
What We Believe
Insurance should be advised, not simply sold.
Clients deserve clear explanations of cost, cover, exclusions, underwriting and long-term implications.
The cheapest option is not always the most suitable option.
Good advice considers renewal sustainability, claims support, future flexibility and insurer behaviour.
Confidentiality, documentation and clear process matter — with medical, financial, corporate and private information.
Technology should support better advice, but it should not replace human judgement.
Advice should begin with listening and needs analysis, not a quick product recommendation.
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 & 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.
The Story Behind Trusted Union
A personal origin, a deliberately broader future.
The firm was founded by Liam Morarjee, who has lived and worked in Hong Kong since 2003 and has spent many years advising clients across the local and international insurance market. His experience shaped an early belief that insurance advice should begin with listening, understanding and proper needs analysis — not with a quick product recommendation.
Today that approach has been developed into a more structured advisory model — combining independent advice, market access, team-based workflow, technology-enabled process and human adviser judgement. Personal enough to understand the client, but structured enough to support businesses, multinational clients, family offices and private clients over the long term.
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.
Coverage and settlement will always depend on the policy terms and the insurer’s assessment, but our role is to stay close to the process and help clients navigate it properly.
Have a claim or want to discuss a situation? Call us directly on +852 3643 1550
When I had a large claim to make of over HK$1m, Liam and his team were persistent in getting this complex matter settled and paid to me.
Client Reviews
Advice that stays involved, year after year.
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.
Highly efficient, with excellent product knowledge! The best thing about going through Trusted Union is that it’s not a pressured sale – they are working for YOU. Options are presented, clearly explained, and tailored. I won’t go anywhere else.
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Speak with Trusted Union.
If you are reviewing insurance for your business, employees, family or private assets, we can help you approach the decision with more structure and clarity.
Request a Confidential Review