Best Insurance at the Lowest Price.
Embedded in Your Workflow. Zero Liability.
Enable your software users to calculate, budget, and bind mandatory commercial insurance directly inside your platform. Deliver direct underwriter wholesale affinity rates to your merchants, earn recurring B2B software maintenance fees, and assume zero regulatory liability.
3-line drop-in integration. Go live in 2 hours.
Headless REST endpoints & native webhook control.
Strategic Architecture
Built for Founders, CPOs & Lead Engineers
How Winford Connect turns mandatory compliance friction into high-margin platform stickiness without triggering Insurance Authority licensing audits.
全港各大保險公司 • 一鍵即時格價
一次過聯動 Zurich、AXA、中銀、MSIG 等全港多家持牌保險公司。用戶輸入參數即時自動格價，精準匹配最優保障與費率，省去逐間詢價的繁瑣流程。
直通批發底價 • 消除中介溢價
用戶直接享有承保人機構級批發費率，消除傳統經紀中介層層加價；同時平台可合規獲取 B2B 軟件技術維護費，將用戶投保剛需轉化為平台收益與高黏性。
原生流程直購 • 平台零法規責任
用戶無需跳出您的系統，在現有工作流內 30 秒完成計價及投保。宏豐保險經紀 (FB1586) 作為法定持牌代表，承擔 100% 的諮詢、出單及理賠義務，平台全程零法規風險。
Interactive Developer Playground
Evaluate both integration modes: test the visual client-side SDK or simulate live headless REST request/response payloads.
// 自動帶入宿主系統當前登入用戶之 Session 參數：
<script src="https://cdn.winford-ins.com/winsurance.sdk.js"></script><div id="winsurance-container"
data-platform-key="PLAT_HK_SME_01"
data-user-email="hr@client-company.hk"
data-company-name="Acme Tech Limited"
data-theme="auto"></div>
三大高轉化嵌入式保險場景
涵蓋全行業通用的法定勞保與團體福利，以及深度綁定特定行業牌照規格的工程與商業險種。
HRM、計薪及入職管理 SaaS
全港所有僱主依法必備第282章勞保。僱主每月發薪或增聘時，系統自動同步名冊，30秒為企業補足法定勞保及高性價比團體醫療方案。
解答軟件團隊的法規與商業疑慮
白紙黑字解答 SaaS 創辦人、技術長 (CTO) 及法務團隊最關切的 6 大合規與營運問題。
Q: Does our software company need an insurance broker license from the IA?
No. Under our compliant structure, your platform functions purely as a technology interface and data transmission channel. All regulated insurance activities, underwriting negotiations, and policy binding are conducted exclusively by Winford Insurance Brokers Limited (HKIA Licence: FB1586).
Q: If you cannot pay referral commissions under Cap. 41, how does our platform benefit?
First, your merchants access direct underwriter wholesale terms with zero intermediary markups, increasing user retention. Second, Winford pays your company a legally documented B2B Software Service & Maintenance Fee for server bandwidth, API maintenance, and data routing, completely segregated from insurance premiums.
Q: How are client premiums collected? Does our platform need to touch client money?
Absolutely not. Your platform never touches or holds client premiums. In strict compliance with the Insurance Authority (Cap. 41) client money regulations, payments are made directly to the insurer's official billing gateway or to Winford's segregated statutory Client Trust Account. Your platform assumes zero escrow risk, fiduciary burden, or AML audit liability.
Q: How is user privacy protected under Hong Kong Law?
We operate under strict compliance with the Hong Kong Personal Data (Privacy) Ordinance (PDPO Cap. 486). Data transmitted through our widget or API uses TLS 1.3 encryption and is siloed strictly for quotation. Winford legally guarantees Zero Client Poaching and zero unsolicited marketing to your user base.
Q: What happens if a merchant has an accident or claim dispute? Will our platform be blamed?
Your platform has zero involvement in claims and bears zero liability. As an independent licensed broker, Winford provides 100% full-lifecycle Claims Advocacy. When workplace injuries or property accidents occur, our licensed team represents your user directly against insurers to secure rightful settlements. Rather than risking your brand, Winford acts as a dedicated claims shield for your merchants.
Q: Are there setup or developer fees? Who provides technical support during integration?
We provide 100% free, full-lifecycle technical support. Zero setup fees, zero annual developer fees, and zero API call charges. Winford's solutions engineering team provides dedicated staging credentials, sandbox webhook testing, and 1-on-1 technical integration assistance to ensure your team launches same-day.
Ready to Embed Insurance into Your Platform?
Contact our engineering desk to test staging payloads, review the standard B2B Technology Service Agreement, and test the 3-line widget.
合作申請已成功送達
我們已收到貴平台的對接需求！宏豐技術與核保團隊將於 24 小時內 透過電郵將測試環境 API Key 及標準 B2B 合作協議發送給您。