Building Insurance Literacy in Thailand
A structured approach to understanding protection strategies and making informed decisions
Insurance decisions shouldn't feel overwhelming. Our learning program breaks down complex concepts into practical knowledge you can actually use. Whether you're a business owner, professional, or someone planning for the future, this program gives you the tools to evaluate options confidently.
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Four Sessions That Actually Make Sense
Starting October 2025, we're running quarterly sessions in Hat Yai. Each one builds on the last, but you can join at any point depending on what you need to learn.
Understanding Risk Assessment
Risk isn't about worst-case scenarios. It's about understanding what could happen and deciding what matters most to protect.
We walk through real business cases from Southern Thailand. Manufacturing operations, service businesses, retail shops. You'll see how different industries think about risk and why some protections make sense while others don't. No theoretical frameworks, just practical examples from businesses similar to yours.
Reading Policy Documents
Policy language exists to be precise, not confusing. Once you know what to look for, it becomes much clearer.
We take actual policies and go through them line by line. What do terms like "reasonable care" actually mean? When does coverage start and stop? What's the difference between exclusions and limitations? By the end, you'll know exactly what questions to ask before signing anything.
Comparing Coverage Options
Similar policies can have very different details. Learning to compare them properly saves both money and future headaches.
We look at multiple policies side by side and break down what actually differs. Premium costs, deductible structures, claim processes, coverage limits. You'll learn how to build a comparison framework that works for your specific situation instead of just picking the cheapest option.
Managing Insurance Over Time
Your needs change as your business grows. Insurance should adapt with you, not stay frozen in place.
This session covers when to review coverage, how to handle claims effectively, and what triggers should prompt policy updates. We also discuss working with brokers and insurers to maintain coverage that actually reflects your current situation rather than what it was three years ago.
Practical Learning
Real Documents, Real Decisions
We don't use simplified examples or hypothetical scenarios. Every session works with actual insurance documents, real claim cases, and genuine business situations from the Thai market.
- Policy documents from major Thai and international insurers
- Case studies from businesses in Songkhla and surrounding provinces
- Claim documentation showing what works and what doesn't
- Comparison tools you can take home and use immediately
Sessions run in English with Thai context. Small groups of 12-15 participants mean you can ask questions specific to your situation without feeling like you're holding everyone up.
Who This Helps
Built for Business Owners and Professionals
This program started because we kept seeing the same pattern. Smart business owners making insurance decisions based on price alone, then discovering coverage gaps when it mattered. Or over-insuring because they didn't understand what they actually needed.
If you're running a business in Southern Thailand, managing operations for a larger company, or handling risk decisions for your organization, this gives you a framework to evaluate options properly. Not to become an insurance expert, but to ask better questions and make informed choices.
We designed it for people who don't have time for lengthy courses but need more than a sales pitch. Four half-day sessions, scheduled quarterly so you can attend when it fits your calendar. October, January, April, and July throughout 2025-2026.
Who Runs These Sessions
Two practitioners who've spent years helping businesses figure out insurance decisions. No theory without practice.
Torvald Bjørnstad
Insurance Analysis Specialist
Spent 14 years helping manufacturers in Southeast Asia structure their coverage. Originally trained in marine insurance in Bergen, then moved to Thailand in 2011. Now focuses on translating policy language into decisions that make sense for mid-size operations.
Branimir Kovačević
Commercial Insurance Consultant
Worked with Thai SMEs since 2013, primarily in logistics and distribution sectors. Background in commercial underwriting gives him insight into how insurers evaluate risk, which helps businesses present themselves better during the application process.