REMOVING THE RISK FROM WHAT MATTERS MOST
Real Complaints. Real Frustration.
Don’t take our word for it – see what unhappy customers are saying.
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.
1,020+ Reviews
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 want to provide better 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
Coverage isn’t one-size-fits-all. Sometimes, what matters most isn’t your home, health, or car. Whatever Matters To You is your bridge to protecting what you value most, no matter how unique it may be.
Motor Vehicle Insurance
Motor vehicle coverage protects you financially against car damage, theft, accidents, and related injuries or property damage.
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
Coverage isn’t one-size-fits-all. Sometimes, what matters most isn’t your home, health, or car. Whatever Matters To You is your bridge to protecting what you value most, no matter how unique it may be.
Motor Vehicle Coverage
Motor vehicle coverage protects you financially against car damage, theft, accidents, and related injuries or property damage.
As part of offering the above coverage 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
The goal is to offer said coverage ability/options while:
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.
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.
Our aim is to simplify the entire process, from helping customers understand what’s covered, to applying, customizing their coverage, getting rewarded, making changes, and filing or checking claims
Our solutions
The aims will be to offer more than just the ordinary, the commitment will be to cover whatever matters most.
Solution Options
The aims will be to offer more than just the ordinary, the commitment will be 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:
15,000+
Customers we aim to serve in our first 2 years.
24/7
Claims Support Availability
Because peace of mind shouldn’t wait.
98%
Customer Satisfaction Score.
82%
Active Rewards Participation Rate
Most of our members are actively earning rewards.
Why HRM?
We want to do better!
It is that simple.
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.
Empowering The Exchange Rate (USD-JMD)
Seeking Investors
We want to do better!
It is that simple.
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.
Empowering The Exchange Rate (USD-JMD)
Seeking Investors
Have questions? Tap "here" first
1. How does HRM plan to attract and retain customers?
HRM plans to attract new customers by offering attractive sign-up incentives to new customers. With the launching of our comprehensive advertising campaign we’ll educates customers about the value of doing business with Hague Risk Management (HRM) which are:
- Convenience
- Comfort
- Rewards (For deciding to doing business with one (1) or all our network of companies.)
- Our network of companies
It will be clear that with every dollar spent, customers earns virtual points, which can be applied toward:
- Renewing their coverage (using a combination of cash or points and or cash + points).
- Donating to a supported charity.
- Transferring points to help family and friends with their own purchases and or policy renewal (companywide).
For customer retention, HRM will employ strategic investments in various business sectors so customer can truly profit more (while increasing investors return).
2. What is the size and growth potential of HRM?
The vision is to transform Hague Risk Management (HRM) into an internationally recognized company operating across the:
- Caribbean
- North America
- South America among other countries/regions.
In the first 12 to 24 months, however, our complete focus will be on Jamaica. This strategic approach will provide us the time needed to meticulously develop and optimize our key policies, finances 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 customers and investors and pave the way for expansion into additional sectors and regions. Our immediate plans for sector expansion include:
→ 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 $600,000 USD, which convert to approximately $95,457,903.6 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.
5. 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. Our advantage will stem from:
- Customers being able to earn virtual points through everyday purchases (which they can then use to make payment through our business networks)
- Product and service integration
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.
6. Why combine insurance with a supermarket and wellness center
To offer the most value to customers.
7. What perk will investors receive?
—
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, 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? Ask us directly.
Removing the risk from what matters most
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