Making Insurance Decisions That Actually Make Sense
We've spent years helping people work through insurance decisions — and honestly, it's never about selling the most expensive policy. It's about understanding what you actually need and finding coverage that fits your situation without the usual pressure tactics.
How We Got Here
Started small in 2019. Just a couple of us who got frustrated watching people buy insurance they didn't understand. Now we work with clients across Thailand, but the approach hasn't changed much.
The Beginning
Launched in Hat Yai with a focus on small business owners who were tired of pushy insurance agents. We built our first client relationships by actually listening to budget constraints and business realities instead of pitching premium packages right away.
Finding Our Method
Developed our assessment framework after analyzing patterns in what clients actually needed versus what they were being sold. Turns out most people benefit more from thorough needs analysis than from feature-heavy policies that don't match their risk profile.
Expanding Reach
Started working with mid-sized companies on employee benefits analysis. These projects taught us how different insurance needs become when you're covering teams instead of individuals — different priorities, different evaluation criteria, completely different conversations.
Current Focus
Working with clients who want to understand their coverage options instead of just being told what to buy. We're continuing to refine how we explain complex insurance concepts and help people compare options based on what matters to their specific situation.
Different Industries, Different Insurance Challenges
Each sector has its own risk patterns and coverage priorities. Here's how we've helped clients across various fields identify and address their specific insurance gaps.
Equipment and Liability Coverage
Helped a mid-sized manufacturer in Samut Prakan analyze their property and equipment insurance. They'd been over-insuring some machinery while leaving critical production equipment under-covered. Restructured their coverage to match actual replacement costs and operational priorities.
Business Interruption Planning
Worked with a retail chain operating across southern Thailand to evaluate their business interruption coverage. Most of their policies focused on physical damage but didn't adequately address supply chain disruptions — which turned out to be their biggest operational risk.
Liability and Professional Indemnity
Assisted a consulting firm in Bangkok with professional indemnity assessment. They needed coverage that matched their project scopes and contract requirements, not generic professional liability packages. Built a framework for evaluating coverage against actual client contract terms.
Cyber Risk and Data Protection
Guided a software development company through cyber insurance evaluation. They were handling client data but their existing coverage barely addressed cyber risks. Worked through policy options to find appropriate coverage for data breaches and system failures.
Medical Malpractice and Facility Coverage
Helped a private clinic in Chiang Mai review their malpractice and facility insurance. Their coverage had grown piecemeal as they added services, creating gaps and redundancies. Consolidated their policies while ensuring adequate protection for their expanded operations.
Property and Guest Liability
Analyzed insurance structure for a boutique hotel group. They needed better balance between property coverage for renovated buildings and liability protection for guest activities. Found that some of their premium coverage duplicated protections while missing seasonal operation risks.
What We've Learned About Insurance Analysis
After working through hundreds of insurance assessments, we've developed some insights that consistently help clients make better coverage decisions.
Coverage Gaps Often Hide in Plain Sight
Most businesses have some insurance, but the gaps usually appear between policies rather than in obvious missing coverage. We look at how your policies interact and where protection might overlap or leave exposure.
Policy Language Matters More Than Features
Two policies can look similar on paper but have completely different exclusions and conditions. We spend time on the actual policy language because that's what determines whether a claim gets paid or denied.
Risk Changes Faster Than Coverage Updates
Your business evolves — new equipment, different services, additional locations. But insurance often stays static until renewal. We help identify when your coverage no longer matches your current risk profile.
Cost vs. Coverage Is Never Simple
Cheaper premiums sometimes mean inadequate coverage, but expensive policies don't automatically provide better protection. We analyze what you're actually getting for the price difference between policy options.
Prasert Wongcharoen
Senior Insurance AnalystWhat makes insurance analysis challenging is that every client's risk exposure is unique. A manufacturing plant faces completely different risks than a consulting firm, even if they're similar sizes. You can't just apply standard coverage formulas — you need to understand the actual operations, the specific vulnerabilities, and what would genuinely impact their business if something went wrong. That's where the real analysis work happens.
Our Assessment Process
We've developed a straightforward approach to insurance evaluation that focuses on understanding your actual needs before looking at policy options. No pressure, no sales pitch — just systematic analysis.
Current Coverage Review
We start by examining what insurance you already have. What's covered, what's excluded, where policies might overlap or leave gaps. This baseline helps us understand your starting point.
Risk Exposure Assessment
We look at your actual business operations to identify where you're exposed. This isn't about worst-case scenarios — it's about realistic risks based on your industry, location, and operations.
Coverage Gap Analysis
Once we understand your risks and current coverage, we identify specific gaps. Where are you under-protected? Where might you be paying for coverage you don't need?
Options and Recommendations
We present coverage options with clear explanations of what you'd gain and what it would cost. You make the final decision — we just make sure you have the information to choose wisely.
Let's Review Your Current Coverage
Whether you're questioning your existing insurance or starting from scratch, we can help you understand what coverage actually makes sense for your situation. No obligation — just honest analysis.
Schedule an Assessment