WINSURANCE // 室內設計及裝修配對平台專屬引擎

4小時為室內設計及裝修師傅出具屋苑入閘施工證。
原生嵌入室內裝修全保 (CAR) 及法定勞保 (EC)，平台零法規責任。

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.

Test Interactive Sandbox Request Staging API Access ➔

Winford Connect

0 研發排期

以專屬二級域名 (partner.winfordinsurance.com) 配合 URL Query 參數直傳，下週即刻上線。

Phase 1 • 聯名跳轉 ★ 即刻上線

Winsurance SDK

極速輕量

前端 3 行腳本 drop-in 嵌入，於 SaaS 後台直接渲染動態報價組件，2 小時快速上線。

Phase 2 • 前端組件 3 行代碼

Winsurance API

深度靈活

Headless 原生深度定制，全無頭 REST 端點及雙向 Webhook 狀態同步，深度鎖定企業護城河。

Phase 3 • 無頭 REST 自定義 Webhook

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。

✓ 聯動全港 42+ 間認可機構即時比對

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。

✓ 機構專屬批發費率 • 免中介行政費

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。

✓ 嚴格恪守《保險業條例》第41章牌照防火牆

LIVE INTEGRATION PLAYGROUND

Interactive Developer Playground

Evaluate both integration modes: test the visual client-side SDK or simulate live headless REST request/response payloads.

Phase 1: Winford Connect (URL 參數直傳)

0 SPRINT • 下週即可上線

動態聯名跳轉 URL (SaaS 系統內按鈕直接指向)： TLS 1.3 ENCRYPTED

https://hrsoftware.winfordinsurance.com/?company=ABC+Engineering&br=13031878&headcount=28&wages=11430435&cat3=17&email=hr@abc-engineering.hk

URL Parameter Mapping (Mini-Doc) 點擊下方數值即時連動預覽

company (String)

br (8-digit BR)

headcount (Int)

wages (HKD Number)

cat3 (Manual Workers)

email (Delivery Email)

HR Software

專屬會員法定保險直通車

✓ 自動載入 100% 薪酬名冊

投保機構 / 商業登記：

ABC Engineering Ltd (BR: 13031878)

法定受保名額及申報總工資：

28 人名冊 • 全年總工資 HK$ 11,430,435

直通承保批發價： HK$ 126,000 / 年起

✓ 已消除少報工資「比例分擔」受罰風險 (Average Clause Protected)

承保機構：中銀保險 (BOCG) / 大新保險 / 蘇黎世保險 (HK$0 自負額專案)

即刻查看自動生成的 2 頁標準 ECI 投保書 PDF ➔ 零法規負擔 • 宏豐 (FB1586) 承擔 100% 保監局牌照責任

室內設計及裝修配對平台 // 師傅合約管理後台

Target Industry Workflow

Employee Headcount / Tier

上傳室內設計合約、全屋翻新報價單或屋苑施工規約 (PDF / Excel) Auto-Sync

Winsurance SDK // Embed Container

🌐 SDK LANG: AUTO WHOLESALE DIRECT RATE

裝修工程全保 (第三者責任 HK$1,000萬 + 物管共同受保人): HK$ 1,980

法定僱員補償勞保 (第282章 HK$2億上限 + 搭棚換窗批註): HK$ 1,820

Statutory Levies (IA Levy 0.0015% & Insolvency Fund): BUFFERED (Included)

Standard Retail Broker Price HK$ 4,750

Platform Wholesale Budget Slip HK$ 3,800

* 商業保單由 Bupa / Zurich / Allied World / BOCG 承保。正式報價單將於2小時內發送至客戶電郵及平台站內信箱。

PDPO (第486章) 數據安全隔離：資料僅用於本次核保，絕不未授權跨界推廣。主機平台承擔零法規責任。

前端僅需 3 行嵌入代碼即可完整渲染本界面： ZERO BACKLOG

// 自動帶入室內設計裝修合約及項目參數：

NATIVE SAAS EMBEDDED BLUEPRINT

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。

01 • 全員勞保第282章法定剛需

HRM、計薪及入職管理 SaaS

全港僱主依法必備第282章勞保。系統原生串接雲端 HR 計薪及強積金數據，精準提取「純文職、外勤監督、前線體力」三級工資，一鍵產出符合法定規範的 2 頁標準投保書（ECI Proposal Form）並即時比價出單。

✓ 動態薪金對帳: 每月發薪結算自動比對勞保基數，消除少報工資「比例分擔」罰則

✓ 法定三級歸類: 自動區分純文職 (Cat 1)、監理 (Cat 2) 及前線體力/工程/餐飲 (Cat 3)

✓ 一鍵生成投保書: 30秒生成具法律約束力的雙語 ECI 投保書 PDF，免手動填表

✓ 平台商業回報: 零牌照責任 + 獲取合規 B2B 軟件技術維護費

申請本場景接入協議與 API Key ➔

https://app.hr-payroll-cloud.hk/payroll/eci-compliance

● PAYROLL SYNC ACTIVE

切換行業名冊: LIVE CALC

Cloud HR SaaS

ABC 工程有限公司

儀表板 (Dashboard)

員工名冊 (P-File)

薪酬出糧 (Payroll)

強積金 (MPF/Tax)

法定保險 (ECI)

ISO 27001 • TLS 1.3

2026/27 年度薪酬總額申報總覽 全職員工 27人＋兼職會計 1人 (總人數 28人)

全年申報總工資 (Wage Roll) HK$ 11,430,435

法定工種類別 (ECI Rating Basis) 人數 | 全年申報工資

Cat 1: 純寫字樓文職/後勤 (Clerical) 3人 | HK$ 587,100

Cat 2: 地盤非體力監理 (Supervisory) 8人 | HK$ 3,250,800

Cat 3: 直屬體力/工程技工 (Manual) 17人 | HK$ 7,592,535

⚡ Winford Connect // 全港保司實時比價引擎

✓ 自動匹配中銀、大新、蘇黎世、安盛核保 API • 消除少報工資「比例分擔」追討風險

已校驗 2 頁標準 ECI 投保書 HK$ 126,000 / 年起

01 • 室內設計 & 裝修 4H 屋苑入閘施工證

室內設計公司 (Interior Design) 及裝修配對平台

徹底解決室內設計師及裝修師傅「業主簽約後入唔到屋苑開工」的痛點。業主確認合約時，系統自動帶入各大私人屋苑（太古城、美孚新邨、海怡半島、日出康城）物管規格，自動升級至合規 HK$1,000萬至 3,500萬第三者責任及外牆搭棚換窗批註，4小時出單放行入場。

✓ 觸發工作流: 業主確認設計報價簽約 / 師傅申請屋苑裝修許可證 (Work Permit)

✓ 法定必備保障: 施工團隊全員法定勞保 (第282章 HK$2億法定上限)

✓ 物管入閘升級: 第三者責任由 500 萬升級至 1,000 萬 - 3,500 萬（含搭棚換窗）

✓ 屋苑放行標準: 符合長實高衛、新鴻基啟勝/康業、太古等全港物管標準

申請本場景接入協議與 API Key ➔

https://app.design-platform.hk/projects/fitout-permit

PERMIT READY

DESIGN

DESIGN & DECO SAAS

Projects

Work Permit

Drawings

Design 3D

Fit-Out Pass

太古城海景花園 3房全屋室內設計翻新工程 認證設計公司: 順景室內設計工程 (ABC Design)

TPL: $30M

⚡ Winsurance Policy Verification TURNSTILE PASS

✓ 裝修全保 (TPL $10M) + 法定勞保 ($2億) • 太古城物管及法團共同受保人批註完成

Underwriting Facility: Zurich / Allied World / BOCG Panel

平台專屬批發費率: HK$ 3,770 (Cleared)

03 • RETAIL & POS FEHD LICENSING & KITCHEN EC

餐飲收銀 POS 及商戶開店系統

餐飲業屬於工傷高危行業。餐廳開分店時，系統自動帶入廚房及樓面人數，一鍵出具勞工處法定強制勞保 (第282章) 及食環署 (FEHD) 發牌規格之公責保單。

✓ 觸發工作流: 開設新分店登記 / POS 終端機聯網開通

✓ 法定必備保障: 廚房及樓面員工法定勞保 (Cap. 282 EC 燙傷/割傷)

✓ 食環發牌必備: 食環署 (FEHD) 普通食肆大牌公眾責任險 (HK$10M)

✓ 大業主驗樓交吉: 符合領展、太古、信和、九倉等商場租約保險規格

申請本場景接入協議與 API Key ➔

https://app.pos-platform.com/outlets/register

FEHD READY

POS

STORE POS

Live Cashier

Outlets

Menu Setup

Inventory

Licensing

Causeway Bay Flagship Dining 10 Staff (Kitchen + Floor) • 1,200 sq ft

FEHD Full License

⚡ Winsurance FEHD Package ISSUED

✓ Kitchen & Floor EC + FEHD TPL ($10M) Policy Schedule Bound

Underwriting Facility: Dah Sing / Taiping / Allied World

Pre-Inspection Package: HK$ 3,950 / yr

REGULATORY & REPUTATIONAL FIREWALL

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。

REGULATORY LICENSING

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).

✓ Cap. 41 Regulatory Firewall Protected

MONETIZATION & REVENUE

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.

✓ Compliant B2B Technology Maintenance Agreement

CLIENT MONEY & PREMIUM ESCROW

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.

✓ Zero Money Handling • Zero AML Liability

DATA PRIVACY & NON-SOLICITATION

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.

✓ PDPO Cap. 486 Strictly Enforced • Non-Disclosure Signed

CLAIMS ADVOCACY & REPUTATION SHIELD

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.

✓ 100% Winford Broker Claims Advocacy • Reputational Shield

INTEGRATION & DEV SUPPORT

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.

✓ Zero Setup Fees • Free 1-on-1 Solutions Engineering

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.

Prefer direct partnership chat? WhatsApp Benjamin Ho (+852 5190 9569) ➔

4小時為室內設計及裝修師傅出具屋苑入閘施工證。 原生嵌入室內裝修全保 (CAR) 及法定勞保 (EC)，平台零法規責任。

Strategic Architecture

全港各大保險公司 • 一鍵即時格價

直通批發底價 • 消除中介溢價

原生流程直購 • 平台零法規責任

Interactive Developer Playground

三大高轉化嵌入式保險場景

HRM、計薪及入職管理 SaaS

室內設計公司 (Interior Design) 及裝修配對平台

餐飲收銀 POS 及商戶開店系統

解答軟件團隊的法規與商業疑慮

Q: Does our software company need an insurance broker license from the IA?

Q: If you cannot pay referral commissions under Cap. 41, how does our platform benefit?

Q: How are client premiums collected? Does our platform need to touch client money?

Q: How is user privacy protected under Hong Kong Law?

Q: What happens if a merchant has an accident or claim dispute? Will our platform be blamed?

Q: Are there setup or developer fees? Who provides technical support during integration?

Ready to Embed Insurance into Your Platform?

合作申請已成功送達

4小時為室內設計及裝修師傅出具屋苑入閘施工證。
原生嵌入室內裝修全保 (CAR) 及法定勞保 (EC)，平台零法規責任。