REMOVING THE RISK FROM WHAT MATTERS MOST
Insurance Isn’t Working for Everyone — Yet
Don’t take our word for it, here’s what some dissatisfied customers have to say.
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.
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?
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.
Experience matters. See more honest feedback from real customers.
The Caribbean insurance market is no exception, 3 out of 4 providers offer only basic coverage, with weak incentives, limited flexibility, and frustrating claims processes. We want to better!
Coverage, The Client's Way:
Health & Wellness
Health insurance helps cover the cost of medical care, allows you to see doctors, and supports staying healthy through regular checkups.
Whatever Matters To You
Insurance with a twist. It’s not just about homes and cars, but about your one-of-a-kind treasures.
Motor Vehicle Insurance
Provides financial protection to vehicle owners in event their car is damaged, stolen, or involved in an accident.
Health & Wellness
Health insurance helps cover the cost of medical care, allows you to see doctors, and supports staying healthy through regular checkups.
Whatever Matters To You
Insurance with a twist. It’s not just about homes and cars, but about your one-of-a-kind treasures.
Motor Vehicle Coverage
Provides financial protection to vehicle owners in event their car is damaged, stolen, or involved in an accident.
With coverage, the goal is to enable clients to create custom solutions that work for their needs.
Travel
Whatever Matters To You
Travel
Whatever Matters To You
Custom solutions that pairs with:
Sustainability
Meaning a future for both our customers and investors.
Strategic Investments
Invest in services customers value most, then tie them to our rewards program to boost engagement and loyalty.
Customization/Flexibility
Easily remove coverage options that no longer fit and add the ones that do. Customize your plan anytime, your way. Learn more.
Our aims to help people understand their coverage, apply, make changes, and manage claims, all while gaining more value.
Our solutions
Will be based around offering more than just the ordinary, our commitment is to cover whatever matters most.
Our solutions
Will be based around offering more than just the ordinary, our commitment is to cover whatever matters most.
Our mission
Is to empower and support our people “our greatest asset” as they work each day to shape a better future for the next generation, we will be committed to doing more to help secure their future. It’s also our aim to:
Customers serve in our first 2 years.
24/7
Claims Support Availability.
Because peace of mind shouldn’t wait.
98%
Customer Satisfaction Rating.
82%
Active Rewards Participation Rate.
Invest in the Ecosystem
It's Simple
We want to do better!
Strategic Investing
At HRM, we intend to make our investors investment works harder, by tapping into essential industries that offer both stability and high-growth potential.
The Currency Play
The Currency Advantage: Not all dollars buy the same future. We are leveraging the fundamental difference in cross-border purchasing …
Seeking Investors
Invest in a venture that works harder. Join us in tapping into essential, stable industries while delivering high-growth potential through our innovative, customer-focused ecosystem.
Frequently asked questions
1. How does HRM plan to attract and retain customers?
HRM plans to attract new customers by offering appealing sign-up incentives. A comprehensive advertising campaign will educate potential customers about the unique value of doing business with Hague Risk Management (HRM), including access to rewards for engaging with one or more of our network companies.
Customers will earn virtual points with every dollar spent, which can be used toward:
Renewing coverage using cash, points, or a combination of both
Donating to supported charities
Transferring points to assist family or friends with their own purchases or policy renewals across our companies
To retain customers, HRM will make strategic investments across multiple business sectors, allowing customers to benefit financially while also increasing returns for investors.
2. What is the size and growth potential of HRM?
Hague Risk Management (HRM) envisions becoming an internationally recognized company with operations across the Caribbean, North America, South America, and other global regions.
However, during the first 12 to 24 months, our focus will remain exclusively on Jamaica. This deliberate approach allows us to carefully develop and refine our core policies, financial systems, and operational frameworks, including:
Coverage management
Payment scheduling and processing
Claims handling and reporting
Reward system
By fully implementing these systems, we aim to establish a strong foundation that earns the trust of both customers and investors, setting the stage for regional and sectoral expansion.
Our immediate plans for sector growth include entry into:
Supermarkets
Pharmacies
Medical centers
3. 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.
4. How much funding are you seeking, and how will it be used?
We are currently seeking an investment of $650,000 USD, which converts to approximately $103.7 Million JMD. Once this funding target is met, the capital will be allocated as follows:
Legal, Licensing & Compliance
To secure all necessary regulatory approvals, licenses, and ensure strict adherence to local and international insurance compliance standards from day one.Technology and Software Leasing & Website Development
This allocation covers leasing necessary insurance software for operational efficiency and compliance, alongside development of our integrated website and proprietary reward system. Leasing allows for rapid adoption, flexibility, and avoidance of high upfront development costs.Operational Setup (Initial Staffing, CRM, Training)
Recruitment and Training of key personnel, CRM integration, and establishing efficient customer onboarding processes for launch.” (Slightly shorter, more action-oriented.
5. Who are your main competitors, and what is your competitive advantage?
All insurance agencies within the region are considered competitors. However, HRM’s competitive advantage will stem from our ability to offer simple, transparent insurance services that are fully integrated with a unique rewards system and essential businesse, such as supermarkets, pharmacies, and medical centers.
Our key advantages include:
Reward System
Customers earn virtual points through everyday purchases within our business network, which can then be used toward insurance payments or through our reward partner network.Product and Service Integration
By embedding insurance within daily-use services, we increase customer convenience and value.
Additionally, by actively listening to customer feedback and strategically investing in value-driven services, HRM aims to build a loyalty-based ecosystem that keeps customers engaged and satisfied
6. Why combine insurance with a supermarket and wellness center
To offer the most value to customers.
7. What perk will investors receive?
We’re rolling out exclusive investment opportunities just for you. Take a look.
8. Will non-policyholders be able to do business with Hague Risk Management businesses
Yes, non-policy holders will be able to do business with Hague Risk Management (HRM) and will still have the ability to earn, redeem, receive, and transfer rewards through our integrated system.
9. How will points be tracked and redeemed?
We will build an integrated digital reward system that allows customers to redeem, view, track, and transfer their earned points with ease. This system will be directly linked to each customer’s account, giving them full visibility and control over their rewards.
For example, when shopping at our supermarket and or any reward partners, customers will be able to redeem their points in real time at checkout by scanning a membership ID or using a mobile app. The system will instantly deduct the applicable points from their balance, making the process seamless and efficient.
Customers will also be able to check their points balance anytime online or through our planned mobile app, helping them stay informed, plan future redemptions etc. Our digital reward system will deliver a smooth, transparent experience that connects our insurance services with our other businesses, promoting customer loyalty.
*All customers will have the ability to earn, redeem, receive and transfer rewards from all our different business sectors.
Don't see the answer to your question?
Removing the risk from what matters most
© Hague Risk Management 2025. All Rights Reserved.
Privacy Statement
2025 HRM