Running a business is hard enough.
Buying insurance shouldn't be another trap.

Why does StandByBiz exist?

Our team has worked in wealth management and MPF advisory for well over a decade, dealing with Hong Kong business owners every day. We noticed a pattern: many companies' business insurance was bought hastily when the business first started — sold in passing by a bank or a familiar agent — and owners themselves often couldn't say exactly what they'd bought, whether the coverage was enough, or whether policies overlapped.

The problems only surface when something goes wrong: part-timers left off the Employees' Compensation declaration, public liability coverage below the lease requirement, fire insurance bought but no cover for lost income while closed. This isn't because owners are careless — it's because no one ever took the time to explain it properly.

So we built this site — writing up the four business covers SMEs use most, in language owners actually understand, and offering a free coverage assessment. Education first, sales second.

Who are we?

StandByBiz is operated by the IPP International Wealth Management Limited team — an independent wealth management office (WMO) rooted in Hong Kong since 2006, a licensee of the Securities and Futures Commission, managing over HK$10 billion in assets, and a long-standing advisor on MPF and employee benefits for businesses and employers (sister platform: Save Your MPF).

The person following up on your enquiry is licensed advisor Wing Yeung — licensed by the Insurance Authority (Licence No. JG4568), with general insurance business arranged through the licensed entity IPP Wealth Advisers Limited; also an MPF intermediary (Registration No. 154059) and an SFC-licensed individual (CE No. BWH233). From working out what you need, to comparing quotes across the market, to arranging the policy — it's all handled end to end. Business insurance, group medical, and MPF can all be sorted in one place. We're not tied to any single insurer, so there's no "quota to hit with one company this month."

Our three commitments

• Free assessment, no strings attached — needs analysis and existing-policy check-ups cost nothing. If you don't buy after the assessment, we still consider it time well spent.
• Don't sign anything you don't understand — our job is to make sure you understand exactly what you're buying. Any term you don't understand, we'll keep explaining until you do.
• Compare the whole market — we get quotes from several insurers and lay them side by side. Whether one's pricier or better value, the data speaks for itself.