As an insurance broker, we go far beyond policy placement. We work closely with your business to understand your unique risk profile, then design and secure insurance solutions that protect your assets, people, and operations — locally and globally.

With deep market insight and strong insurer relationships, we negotiate the best coverage and pricing available. Our role doesn’t stop once the policy is issued — we stand by your side throughout the policy term, including during complex claims, to ensure you receive the protection and service you deserve.

Whether you’re navigating high-risk industries, cross-border operations, or large-scale projects, we deliver clarity, confidence, and results-driven insurance strategies tailored to your business goals

Most brokers are paid through commissions by the insurance company when a policy is arranged. For more complex or high-value accounts, brokers may charge a service fee agreed upon with the client. Your broker should always explain the fee structure clearly upfront.

Not necessarily. In fact, working with a broker can often save you money. Brokers understand the insurance market and can negotiate competitive premiums on your behalf. They also help you avoid the costly consequences of being underinsured.
Brokers are required to be transparent about any fees charged for their services. All costs and advisory fees will be clearly outlined in a service agreement — with no hidden charges.
Keep in mind, cheaper insurance isn’t always better. A broker ensures the coverage you receive truly protects your business when it matters most.

Yes. At TIS, we actively support our clients throughout the entire claims process. Our team can help you prepare claim documentation, communicate directly with insurers, and negotiate the best possible settlement on your behalf.
Our goal is to minimize disruption and ensure your business recovers quickly — with fair, timely compensation and minimal hassle.

A broker saves you time, reduces risk exposure, and ensures that you’re properly protected. Rather than focusing solely on price, brokers help you avoid costly coverage gaps by matching you with the right insurance for your specific needs

Here are the 8 reasons to answer your questions

1. Independent Advice

Brokers work for you, not the insurer.

They assess your unique risks and recommend the most suitable coverage from various insurers.

2. Access to Multiple Markets

Brokers can source quotes from a wide range of local and international insurers.

This give options and helps find better coverage at competitive pricing.

3. Tailored Solutions

Brokers don’t sell “one-size-fits-all” policies.

They customize insurance programs to fit your business operations, exposures, and industry requirements.

4. Claims Support & Advocacy

When a loss happens, brokers guide and advocate for you during the claims process.

They help ensure faster and fairer settlement, often managing the paperwork and negotiations on your behalf.

5. Risk Management Expertise

Professional brokers offer risk analysis and mitigation advice, not just insurance.

This helps reduce future losses and control long-term insurance costs.

6. Regulatory and Legal Understanding

Brokers understand complex local and cross-border regulations, helping you stay compliant with laws and contractual obligations.

7. Time and Cost Efficiency

They save you time by handling research, paperwork, renewals, and claims follow-up.

They can also identify policy overlaps or gaps that could result in cost savings or better protection.

8. Transparency in Fees

Brokers are usually paid by insurers but must disclose any fees if paid by the client.

Their income doesn’t depend on selling one insurer’s product — they’re not incentivized to sell you more than you need.

Here is a  short comparison for your reference:

Criteria	Insurance Broker	Insurance Agent
Role	Independent intermediary representing the client Buy insurance on client’s behalf	Represents one or more insurance companies Sell insurance on insurer’s behalf
Duty of Care	Acts in the best interest of the client	Primarily serves the interest of the insurance company
Partnership with Insurers	Can work with multiple insurers, both local and international	Typically limited to the insurers they are appointed by
Product Offerings	Offers a wide range of insurance products from different insurers	Offers only the products of their affiliated insurer(s)
Client Advisory	Provides risk analysis, custom insurance solutions, and claim advocacy	Provides product information and sells policies
Claims Support	Often involved in managing and negotiating claims on behalf of the client	Limited claims support; refers client to the insurer
Independence	Fully independent from insurers	Acts as a representative or employee of the insurer
Fiduciary Responsibility	Has a fiduciary duty to the client	No fiduciary duty; obligation is to the insurer
Suitability for Clients	Best for corporate clients or tailored solutions	Suitable for individual clients with simple needs