Advisory Commentary
Practical perspectives from the Trusted Union advisory team on employee benefits, business protection and private client insurance — written to help HR, Finance, founders and private clients ask better questions before they decide.
From the advisory desk
Better questions, asked earlier, tend to produce better insurance decisions.
Latest Thinking
Business Protection
Reviewing professional indemnity insurance in Hong Kong? Learn what to check beyond premium and limits, from client contracts to retroactive dates and continuity.
Employee Benefits
A practical group medical review checklist for HR and Finance: understand renewal drivers, claims data, benefit design and whether switching insurer is worth it.
Private Client
Private hospital bills in Hong Kong include far more than room rates. See what drives costs and how deductibles and room entitlement shape your premium.
Business Protection
Event insurance should follow the event you are actually running. Learn how to review public liability, cancellation cover, weather triggers and artist fees.
Business Protection
Turn scattered local policies into one clear multinational insurance programme. Map entities, territories, contracts and exposures with Trusted Union.
General Advisory
Nine questions to ask before buying or renewing insurance – because better insurance decisions are usually better-framed decisions, not just cheaper quotes.
Private Client
A practical review framework for international families choosing private medical insurance in Hong Kong, covering access, underwriting and long-term cost.
Private Client
For older clients, guaranteed renewal and continuity of cover can be more valuable than a lower premium elsewhere. Here is how to review a policy before switching.
Private Client
Before choosing a policy, calculate your family’s protection gap. Trusted Union explains how to size life insurance cover based on real needs, not products.
Private Client
A longer illness list is not better cover. See why critical illness insurance definitions, early-stage benefits and claim mechanics matter more than headline numbers.
Employee Benefits
A renewal increase is a signal to investigate, not a decision in itself. Understand what drives medical premiums in Hong Kong before you switch or accept.
Business Protection
A D&O policy should match how your company is governed today. See what Hong Kong boards should review, from Side A protection to limits and exclusions.
Business Protection
Cyber insurance works best when policy wording and controls align. Use this management checklist to review exposure, underwriting and cover before renewal.
Employee Benefits
Review medical malpractice insurance as a professional-risk programme: scope of practice, insureds, claims-made terms, limits and cyber exposure for HK clinics.
Employee Benefits
A practical checklist for Hong Kong employers reviewing an EAP: confidentiality, scope of support, language reach, access, communication and reporting.
Our Insights hub is being developed. Article topics shown here are illustrative of the commentary Trusted Union is preparing across its three advisory pillars.
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If you are weighing a renewal, a claim or a change in circumstances, a confidential review is often more useful than a general article.
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