AI for insurance brokers and modern small businesses

Two practices, one operating system

We sell two things, priced separately.

An Operations OS for service businesses that want to stop running their stack from five tabs. And an Insurance Practice Suite for HK brokers who need bilingual workflows the US tools never built. Pick one. Or both.

What we build

Start with the audit. Then pick the capabilities.

Every engagement starts with a paid Operations Audit. The deliverable is a bilingual roadmap and a working prototype. Build is optional, the doc is yours either way.

Start here · paid deliverable

AI Operations Audit

Two weeks. We sit with your team, map every workflow, and hand you a bilingual roadmap with a working prototype demoed live. The audit IS the deliverable.

Insurance brokers · Charities · Service businesses · Family offices · Mid-market SMEs

Three-hour interview with the owner / managing partner
60-90 min interviews with 3-5 of your team (ops, CSR, sales, finance)
Tool + workflow + data inventory across the business
Bilingual plain-language roadmap doc (EN broker view + 繁中 client one-pager for insurance)
Working prototype of 1-2 highest-ROI automations, demoed live in week 2
Investment Calculator with your specific architecture foundation + capability scope

The audit is paid up front. The roadmap doc, the workflow map, and the working prototype are yours regardless of whether we go on to build the system together. No pitch, no refund clause, no obligation. The doc itself is the value.

HK$15,000 SMB · HK$25,000 Insurance broker Book a discovery call →

Operations OS For service businesses, charities, and SMBs that want to stop running their stack from five tabs.

For service businesses

SME Business Essential Pack

Smart website, CRM, database, calendar, and lead automation, set up and tuned by us. Not a tool you have to learn, a system we run for you.

Medspa · Salon · Gym · Hair · Beauty · F&B

Smart website that captures leads instead of just looking pretty
Lead capture + auto follow-up via SMS, email, WhatsApp
Google review automation, missed-call SMS recovery
Calendar booking + payment processing
Bilingual setup (zh-Hant + EN), one throat to choke

From HK$888/mo + HK$5k setup · DTSPP-eligible See package details →

24/7 lead handling

VoiceAI Agents

Cantonese voice AI for the price of an English-only US competitor's premium tier. The tier nobody else serves.

Phone-driven SMBs · Personal-lines insurance · Brokers with high inbound volume

Cantonese + English voice (Retell + ElevenLabs)
WhatsApp Business inbound, missed-call SMS recovery
CRM routing with full call summary, in your stack
PCPD-aligned consent. AI never quotes, binds, or commits.

From HK$5,888/mo · HK$25k setup · bundle with Essential at HK$9,888/mo How it works →

Insurance Practice Suite For HK insurance brokers who need bilingual workflows the US tools never built.

For HK insurance brokers

Insurance Workflow Suite

Built for the 803 IA-licensed broker firms^[1] in HK, because nothing like InsurGrid exists here yet.

Broker firms · 5-50 producers · P&C, group medical, MPF, life

Bilingual renewal brief: EN broker view + zh-Hant client one-pager
Cross-sell triggers: VHIS top-up, Critical Illness, MPF, employee D&O
WhatsApp + email + call-summary copilot for CSR teams
WhatsApp-first. HK brokers run on WhatsApp, not email.
Works with the tools your team already uses. No AMS lock-in.

HK-resident, HK-regulated. We're not getting acquired by a US carrier next year. PCPD AI Model Framework alignment + IA GL3 AML/CFT-aware audit trails. Broker-of-record approves every output.

From HK$9,888/mo + HK$25-35k setup Book a call →

Open-source · regulated buyers

Tigerpaw

Self-hosted, policy-gated AI on your infrastructure. Open-source, read every line on GitHub.

HK insurance carriers · Large agencies · Family offices · Regulated SMBs

Local-first deployment. Data + API keys never leave your network.
HMAC-signed, append-only audit log of every AI action
Approval gates: Auto / Confirm / Manual per use case
Plugin permission manifests, declarative tool access control
Application-layer governance, sits above Bedrock, Azure OpenAI, Anthropic-in-VPC, or local Ollama
Built and operated by the founders. Direct line to the engineer.

AGPL-3.0 open source. Self-hosted means we never touch your data after install. Audit log lives in your stack, signed by your key.

Custom · early-access pilot github.com/varunrazdan/tigerpaw →

For your team and your clients

Practice Q&A AI

One AI that answers questions for your staff internally and your clients externally. Trilingual, source-cited, audit-logged.

Internal: brokers, CSRs, ops · External: WhatsApp, web chat, email

Internal Q&A in Slack or Teams: SOPs, policy library, past renewals. Your team's institutional memory, searchable.
External Q&A in WhatsApp, email, or web chat: coverage, claim status, T&C clauses, every answer cites the source
Trilingual: English, Traditional Chinese (Cantonese, HK), German, code-switches per client
Tigerpaw policy gates per audience: auto-reply internally, broker-of-record sign-off for client-facing answers that touch quote, claim, or commitment
Full audit log of what the AI said, to whom, citing what source. PCPD + IA-ready.

Not legal advice. Every client-facing reply that touches a quote, claim, or commitment routes through broker-of-record sign-off before send.

From HK$3,888/mo + HK$15-25k setup Book a 40-min call →

What you feel first

Three things that change your day.
From day one.

Daily Brief at 7am on your phone.

Stripe + Calendar + Inbox + Ads + KPIs synthesized in one PDF, delivered via Telegram. No more dashboard-hopping.

1 PDF · 6 sources · 90 sec read

Setup Day. One day, one bottleneck fixed by 6pm.

You go home with a working automation, not a plan. If we don't ship something live by end of day: you don't pay.

1 day · in Hong Kong · $0 if no win

Talk to your business.

"Send Müller's invoice." → done. "MRR Q2 vs Q1?" → answer in 30 seconds. WhatsApp or Telegram, voice or text.

Voice + Text · DE/EN · 24/7

In five steps

Audit first. Build second. Partner third.

Real consulting work before any code. The audit is a paid deliverable, the proposal is signed at the call, the build deploys on your stack.

Step 01

Discovery Call

A free 40-minute call about your biggest bottlenecks. We map where AI actually moves the needle, and tell you honestly if we're not the right fit.

40 min · free · no pitch

Step 02

Operations Audit

Two weeks of real work. Three-hour interview with the owner, 60-90 min with 3-5 of your team. Workflow + tool inventory. Bilingual roadmap doc, working prototype demoed live in week 2.

2 weeks · HK$15k SMB · HK$25k broker · live prototype

Step 03

Investment Proposal

We walk through the calculator together. Architecture foundation is required; capability modules toggle on as you need them. Live total. You sign at the call, or you don't.

1 call · live pricing · no sales pressure

Step 04

Build

Four to eight weeks depending on what you toggled on. We deploy on your stack, integrate your tools, ship the audit log. Team trained as we go. First automations in production by week 4.

4-8 weeks · deployed on your stack · team trained as we ship

Step 05

Ongoing Partnership

Month after month, your system grows with your business. New capabilities, monitoring, evolution. WhatsApp support when something breaks. Cancel anytime.

HK$5,888/mo basic · HK$9,888/mo growth · cancel anytime · DTSPP-eligible

Book your discovery call →

Who you work with

Founder-led. From scoping call to the 2 a.m. fix.

The people who sell the work are the people who build it. No handoff to a junior team after kickoff.

Founder · Technical Lead, AI Engineer

Varun Razdan

15+ years driving digital transformation and delivery across APAC. AI engineer and Make.com advanced practitioner. Built Tigerpaw, our open-source AI gateway with policy-gated risk controls. GHL certified admin who runs implementation end-to-end on the Make + GHL stack.

GHL Certified Admin Make Advanced Practitioner Tigerpaw author

Co-founder · Engineering, n8n expert

Luka Knieling

Engineering, integrations, and the 2 a.m. fix when a webhook goes sideways. n8n expert across complex multi-system workflows. Bilingual: German and English.

n8n Expert Backend & Integrations Multi-system integrations

Pocket CEO Limited · HK BR 78290657 · Sheung Wan, Hong Kong

Investment

Three numbers. No surprises.

Audit you sign up for. Foundation that goes live. Retainer that keeps it healthy. The Investment Calculator below builds your specific build cost.

HK$15-25k

Operations Audit · paid up front

Two-week audit, the doc is yours

HK$15,000 for SMBs / charities / service businesses. HK$25,000 for HK insurance brokers (more interviews, broker-of-record sign-off scoping, bilingual deliverable). The roadmap, workflow map, and working prototype are yours regardless of whether we go on to build.

HK$50,000 / ~US$6,400

Architecture Foundation · one-time

Required base for any build

Tigerpaw runtime on your infrastructure, WhatsApp Business API integration, your CRM connected, audit log signed by your key. Capability modules sit on top. DTSPP-eligible^[2] (1:1 government match, up to HK$50k) for HK SMBs in F&B, retail, tourism, or personal services.

HK$5,888 / mo

Retainer · from go-live

Ongoing partnership

Monitoring, prompt + model tuning, small evolutions, monthly review. WhatsApp support when something breaks. Cancel anytime. Insurance brokers run on the growth tier (HK$9,888/mo) which matches the broker workflow scope.

Investment Calculator

Toggle capabilities. The architecture foundation is required.

One-time build cost. The audit (paid first) and the monthly retainer are separate, see above. We'll walk through this with you live in your investment-proposal call.

Architecture Foundation Tigerpaw runtime · WhatsApp Business API · your CRM connected · audit log signed by your key

HK$50,000REQUIRED

Bilingual renewal brief EN broker view + 繁中 client one-pager, generated from policy + carrier quote PDFs

HK$15,000

Cross-sell trigger detection Scheduled scan of your CRM, flags VHIS top-up / CI / MPF / D&O opportunities to the broker

HK$8,000

CSR copilot (WhatsApp + email + call summary) Inbound classified, drafts go through Tigerpaw approval gates, broker-of-record signs off on anything client-facing

HK$15,000

Practice Q&A AI · internal (Slack / Teams) RAG over your SOPs, policy library, past renewals. Source-cited replies, auto-mode for staff queries

HK$12,000

Practice Q&A AI · external (WhatsApp / web) Customer-facing answers cite policy clauses, broker-of-record sign-off for anything quote / claim / commitment-adjacent

HK$15,000

VoiceAI receptionist Cantonese + English voice agent, missed-call SMS recovery, CRM routing with full call summary

HK$15,000

Your build total

HK$50,000

Required architecture: HK$50,000 · 0 of 6 capabilities active. Audit (HK$15-25k) and retainer (HK$5,888-9,888/mo) are separate.

Questions

What people ask us before they book.

8 to 12 weeks from kickoff to a system running in production. Tight scope sits on the shorter end; multi-workflow builds on the longer. We give you a sharp date in the scoping call, not a range you can hide behind.
Strategy decks without a build attached. Toy chatbots without a workflow underneath. Anything where you want us to "just plug in ChatGPT".that's not infrastructure, that's a toy. We build production systems or we turn the work down.
Usually 1–2 weeks. We take on a limited number of parallel builds to keep delivery tight, if we're full, we'll tell you the next slot, not string you along.
Founder-led. The person on the scoping call is the person writing the code. For larger builds we pull in specialist collaborators, but the point of contact and the technical owner never change.
Fixed project fee for the build (scope-locked after Phase 02) plus a monthly operate-and-evolve retainer. No per-seat games, no hourly billing. You see the math on the proposal.
Three numbers. Audit: HK$15,000 SMB / HK$25,000 insurance broker, paid up front, the doc is yours. Architecture Foundation: HK$50,000 one-time (Tigerpaw + WhatsApp + CRM + audit log). Retainer from go-live: HK$5,888/mo basic or HK$9,888/mo growth (insurance broker scope). Capability modules priced individually in the Investment Calculator. HK SMBs in F&B, retail, tourism, or personal services can apply for up to HK$50k DTSPP matching funds, we help with the paperwork. We'll tell you on the discovery call if we're a bad fit before you write anything down.
Monitoring, fixes, prompt and model tuning, small feature additions, and a monthly review of what the system should learn next. Big new workflows are scoped separately, we don't sneak scope-creep into the retainer.
Yes, that's most of what we do. GoHighLevel, Salesforce, n8n, Zapier, Make, Twilio, bespoke internal tooling. If it has an API or a webhook, we've shipped against it.
It keeps running. You own the code, the accounts, the data. We hand over a runbook. That's the entire point of "you own it, we run it."
Yes. For clients with GDPR, legal, healthcare, or finance constraints, we deploy local-only, open-weights models, private RAG, no data leaving your network. Costs more to run, but nothing crosses the wire.
Whichever is the right tool for the job. Claude for reasoning-heavy agents, OpenAI for voice and broad tool use, open-weights (Llama, Mistral) for on-prem or cost-sensitive workloads. We pick per-task, not per-vendor.
Yes. Based in Hong Kong and Munich; clients across APAC, EMEA, and North America. We run calls in English (and German if you prefer).
Industry-agnostic. The real filter is the shape of the problem: business owners with messy inbound, manual copy-paste, and a team that's too expensive to waste on it. Past builds span real estate, fitness, logistics, professional services, and more.
GDPR-first by default. EU data residency, DPA in place, minimal retention. For regulated verticals (health, legal, finance) we deploy on-prem or EU-only cloud regions. We don't train on your data, and we don't route through vendors who do.

We rebuild your operation as one connected system.

We sell two things, priced separately.

Start with the audit. Then pick the capabilities.

AI Operations Audit

SME Business Essential Pack

VoiceAI Agents

Insurance Workflow Suite

Tigerpaw

Practice Q&A AI

Three things that change your day.
From day one.

Daily Brief at 7am on your phone.

Setup Day. One day, one bottleneck fixed by 6pm.

Talk to your business.

Audit first. Build second. Partner third.

Discovery Call

Operations Audit

Investment Proposal

Build

Ongoing Partnership

Founder-led. From scoping call to the 2 a.m. fix.

Varun Razdan

Luka Knieling

Three numbers. No surprises.

Two-week audit, the doc is yours

Required base for any build

Ongoing partnership

Toggle capabilities. The architecture foundation is required.

What people ask us before they book.

40 minutes. Real diagnosis. No pitch deck.

We sell two things, priced separately.

Start with the audit. Then pick the capabilities.

AI Operations Audit

SME Business Essential Pack

VoiceAI Agents

Insurance Workflow Suite

Tigerpaw

Practice Q&A AI

Three things that change your day.From day one.

Daily Brief at 7am on your phone.

Setup Day. One day, one bottleneck fixed by 6pm.

Talk to your business.

Audit first. Build second. Partner third.

Discovery Call

Operations Audit

Investment Proposal

Build

Ongoing Partnership

Founder-led. From scoping call to the 2 a.m. fix.

Varun Razdan

Luka Knieling

Three numbers. No surprises.

Two-week audit, the doc is yours

Required base for any build

Ongoing partnership

Toggle capabilities. The architecture foundation is required.

What people ask us before they book.

40 minutes. Real diagnosis. No pitch deck.

Three things that change your day.
From day one.