A fire, a theft, a customer slipping in your shop or the owner falling ill can stop a small business. As a licensed broker we compare cover from several insurers so you pay for what your business really needs, and we help when you claim.
Insurance for your shop and business,
compared across insurers
OIC non-life broker 6804-017-342 · life agent 6801-028-598
Shop & business insurance
Cover for the building, stock and equipment, for customers hurt on your premises, and for the owner the business depends on, compared across insurers.
Property & fire
Customer injured on site
Owner (Keyman) cover
Stock & equipment
Life & health
Life, health, accident and travel cover for you, your family and your staff.
Pet insurance
Vet bills for illness and accidents, for the dogs and cats in your family.
เครื่องคำนวณทุนประกันชีวิต
TWQs Needs Analysis Dashboard
คุ้มครองชีวิต
คำนวณทุนประกันชีวิตจากรายได้ต่อเดือน 36 เดือน บวกภาระหนี้สิน เพื่อให้ครอบครัวมีเวลาปรับตัวและจัดการภาระสำคัญ
หลักการวิเคราะห์
ผลลัพธ์เป็นค่าประมาณเบื้องต้นสำหรับใช้วางแผน ควรปรึกษาผู้เชี่ยวชาญ เพื่อวิเคราะห์ความเสี่ยงและผลิตภัณฑ์ที่เหมาะกับแต่ละบุคคล
Life Protection Analysis
เป้าหมายที่แนะนำ
฿2,800,000
บาทความคุ้มครองที่มี
฿500,000
ส่วนที่ขาด (Shortfall)ACTION NEEDED
฿2,300,000
บาทPeace of Mind Strategy
Broker or agent:
what changes for your business
Five things that change for a business owner when insurance goes through a broker instead of a single-insurer agent.
Comparison Dimension
TWQs (Independent Broker)
Traditional Tied Agent
01.
How many insurers you can choose from
Impact: You see several prices before deciding and avoid cover that does not fit.
With Us (Broker)
เทียบหลายบริษัท
A broker compares plans from several insurers and picks the cover that fits your business.
Traditional Tied Agent
An agent can only sell their own insurer’s plans, even when they fit less well or cost more.
02.
Whose side they are on when you claim
Impact: When the shop or warehouse burns, someone is on your side for the claim.
With Us (Broker)
อยู่ข้างลูกค้า
A broker works for the insured: we help with the paperwork and deal with the insurer for you.
Traditional Tied Agent
By law an agent acts for the insurer and follows its line if there is a dispute.
03.
At renewal each year
Impact: Keeps the business’s insurance costs in check over the years.
With Us (Broker)
เทียบใหม่ทุกปี
We compare prices again before renewal and show you any better option.
Traditional Tied Agent
The same renewal notice arrives; the premium can rise with nothing to compare against.
04.
Tax and accounting
Impact: Lowers the risk of a back-tax assessment over premiums.
With Us (Broker)
มีเอกสารรองรับ
We help organise the welfare policy and documents so your auditor can confirm the premiums are deductible.
Traditional Tied Agent
Focused on selling the policy, not on the company’s tax paperwork.
05.
What it costs you
Impact: Advice and comparison with no hidden cost.
With Us (Broker)
ไม่มีค่าบริการเพิ่ม
No extra advice fee: you pay the insurer’s premium.
Traditional Tied Agent
One insurer’s price, with no other quotes to compare.
Ready to Audit & Optimize Your SME Policies?
Send your current policy schedules for a complimentary coverage gap and pricing audit.
Tell us about your business. The first talk is free.
Insurance, mutual funds or ERP / POS: we look at how your business runs today before recommending anything. No commitment.
- 01
Chat
Message us on Messenger or call. Tell us about your shop or company; it takes about 15 minutes.
- 02
Look at the numbers
We review your current insurance, idle cash and daily workflow, free of charge.
- 03
Get a plan
You receive options with prices to compare. Nothing to buy unless you decide to.
Or leave your details, we will call you back
Tell us what you need: business insurance, mutual funds, or ERP / POS. We reply within one working day.
Licensed by the OIC and the SEC · Surin, Thailand
Corporate tax you could save
with insurance welfare & Keyman
Insurance premiums a company pays as welfare under a clearly written policy, for the business, are generally deductible because they fall outside the prohibited expenses in Section 65 ter (3) and (13) of the Revenue Code. Estimate what that could save.
Estimated Annual Net Profit฿3,000,000
฿500,000฿7,500,000฿15,000,000+
Target Executive/Keyman Annual Premium฿300,000
฿50,000฿1,000,000฿2,000,000+
Applicable SME Corporate Tax Bracket:15%
Estimated Tax Deducted
฿45,000per year, estimated, if the full premium is deductible
Gross Insurance Premium฿300,000
Tax Rebate Value- ฿45,000
Net Effective Cost to Company฿255,000
Estimate only, at the SME marginal rate (15% or 20%). Premiums paid for a person are generally taxable income for them; results depend on your company's facts. Confirm with your auditor.