REMOVING THE RISK FROM WHAT MATTERS MOST
The insurance industry has provided security for people’s lives for thousands of years, but instead of improving, it has gotten worse.
We've heard and seen the complaints
I’m trying to read the policy I got from ******* feels like reading a legal textbook. Why can’t they just be clear about what’s covered and what’s not? It feels like they are intentionally making it complicated on purpose.
Better Business Bureau.
As of writing this it has been 16 months since I have been paying for my car comprehensive without a single accident, I get that coverage is just incase anything was to happen but my god it feel like such a waste.
Reddit User.
I pay and pay and pay… and if something does go wrong, I still have to deal with deductibles, fine print, and slow claims. And if nothing goes wrong, I just lose all the money I put in. Heads they win, tails I lose.
******* Customer.
I’ve paid for health coverage for years, however when my family need it the most, ***** found a loophole to deny our claim.
Mark, United Stated.
Coverage should work both ways. If I’m a low-risk customer, I should be rewarded, not just seen as a cash cow because I haven’t had an accident yet!
Insurance Customer.
It honestly feels like loyalty means nothing. I’ve had comprehensive coverage for 3 years and haven’t even had a scratch on my car, but my premiums keep going up. Shouldn’t I be getting a discount or some sort of benefit?
X User.
We want to do better!
The Caribbean is no different; 65% of risk management agencies offer the basics of services with no incentives for customers business or loyalty, limited customization, an unclear and lengthy claim processes.
We believes everyone deserves protection from accidents, illnesses + whatever matters. Coverage should also be simple, valuable, and accessible while giving peace of mind to focus on what truly matters.
We want to provide access to:
Health & Wellness
Health and wellness insurance helps when it comes on to covering medical costs, gives you access to doctors and hospitals, and encourages checkups to prevent sickness.
Whatever Matters To You
We understand that when persons are looking for insurance coverage, it’s not always for health, home and or motor vehicle because everyone has different things that matters to them.
Motor Vehicle Insurance
Coverage provides financial protection against losses or damages related to owning and operating a vehicle.
Health & Wellness
Health and wellness insurance helps when it comes on to covering medical costs, gives you access to doctors and hospitals, and encourages checkups to prevent sickness.
Whatever Matters To You
We understand that when persons are looking for insurance coverage, it’s not always for health, home and or motor vehicle because everyone has different things that matters to them.
Motor Vehicle Coverage
Coverage provides financial protection against losses or damages related to owning and operating a vehicle.
We want customers to be able to create custom solutions that work for their needs.
Travel
Whatever Matters To You
Travel
Whatever Matters To You
Our goal is to offer coverage while:
Creating customization
We want to create true customization – if a specific coverage option doesn’t suit your need, remove it and add what works. Learn more.
Creating value
As we prioritize what matters most, our goal is to create value through strategic investments.
Creating a sustainable future
Creating a sustainable future is our core value for our customers and investors.
Our aim to simplify the entire process—from making sure what you need covered is an option to helping you understand what’s included in said coverage to applying, customizing, getting rewarded, modifying, and filing/checking claims.
Risk Solution Options
Our aims to offer more than just the ordinary, HRM’s commitment is to cover whatever matters most.
Risk Solution Options
We want to offer coverage for more than just the ordinary, our commitment is to cover whatever matters most.
About HRM
Hague Risk Management (HRM) is an insurance startup preparing to launch in Jamaica as our first market, with a long-term vision to expand into international territories. While our roots are Caribbean, our mindset is global – we’re building a forward-thinking insurance company that adapts to evolving lifestyles and delivers real, lasting value.
From the ground up, HRM intend on being shaped through strategic investments not just in insurance infrastructure, but also in everyday services that matter to our customers, such as supermarkets, medical centers, and other essential businesses. These investments will help us stay deeply connected to our communities while strengthening both revenue and customer loyalty. We’re actively seeking investors who share our vision and want to be part of building a modern, sustainable ecosystem.
Why HRM?
We want to do better!
It is that simple.
Making Strategic Investments
At HRM, we intend to make our investors investment works harder, by tapping into essential industries that offer both stability and high-growth potential.
Empowering The Exchange Rate
Seeking Investors
We want to do better!
It is that simple.
Strategic Investments
At HRM, we intend to make our investors investment works harder, by tapping into essential industries that offer both stability and high-growth potential.
Empowering The Exchange Rate
Seeking Investors
Frequently asked questions
How does HRM plan to attract and retain customers?
HRM plans to attract new customers by offering attractive sign-up incentives and launching a comprehensive advertising campaign that educates potential customers about the value of doing business with Hague Risk Management (HRM), that includes convenience, comfort and rewards just for deciding to do business with our network of companies. With every dollar spent, customers earns virtual points, which can be applied toward renewing their coverage in various flexible ways (using a combination of cash and points) donate or if customer rather to transfer said points to help family and friends with their own purchases and or policy renewal.
For customer retention, HRM will employ strategic investments in various businesses so customer can truly profit more ( while increasing our profits). Our vision is to build a rewards system to ensure that no matter how much a customer spends, they receive virtual points that can be used to reduce their out-of-pocket costs, it’ll be our aim to make virtual points be redeemable across our extensive network of partner companies, thus continuously adding value to the customer’s experience.
What is the size and growth potential of HRM?
At HRM, we see limitless growth potential. Our vision is to transform Hague Risk Management (HRM) into an internationally recognized company operating across the Caribbean, North America, and South America among other countries/regions. In the first 12 to 24 months, however, our complete focus will be on Jamaica. This strategic approach provides us the time needed to meticulously develop and optimize our key policies and systems, including:
- Coverage Management
- Payment Handling/Scheduling
- Claims Processing and Reporting
- Tracking and Transferring Virtual Points
By fully implementing these systems and policies, we aim to build a strong foundation that will inspire confidence among our investors and pave the way for HRM’s expansion into additional sectors and regions. Our immediate plans for sector expansion include:
→ Supermarkets
→ Pharmacies
→ Medical Centers
How do you plan to stay competitive?
Remaining competitive is crucial to our sustainability, and we plan to do so by focusing on three key strategies:
Simplified Processes:
We will ensure that our customer experience remains straightforward by streamlining every step, from accessing information about coverage options (what’s included and what’s not) to applying, making payments, and making any necessary changes. This simplicity minimizes risk and confusion for our customers.Customer-Centric Feedback:
We plan to actively gather and incorporate customer feedback regarding our coverage offerings. By understanding their needs and concerns, we can adjust our products to better match what they value most.Strategic Investments:
We will make targeted investments in services that create the highest value for our customers. These investments will also be integrated into our reward system, ensuring that customers benefit directly from our improvements and innovations.
How much funding are you seeking, and how will it be used?
We are currently seeking an investment of $250,000 USD, which is approximately 39,225,000.00 JMD. Upon reaching our target, these funds will be allocated as follows:
System Development: To build and optimize our technology platform, including software development for claims processing and customer management systems.
Policies And Procedures: To develop robust internal protocols and training programs that ensure operational excellence and quality customer service.
Legal, Licensing, And Compliance: To secure necessary legal counsel, licensing, and to ensure full regulatory compliance, safeguarding our operations.
Who are your main competitors, and what is your competitive advantage?
All insurance agencies in the region will be our competitor, however HRM’s competitive advantage while be our ability to deliver simple, transparent insurance services that are fully integrated with our rewards system and essential businesses like our supermarkets, pharmacies, and medical centers. Customers being able to earn virtual points through everyday purchases, which they can then use to make payment through our business networks, reduce insurance costs or share with others.
By listening to customer feedback and strategically investing in value-driven services, HRM intend on creating a unique, loyalty-based ecosystem that keeps customers engaged and satisfied.
More Questions?
More Questions?
Removing the risk from what matters most
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