A member of the Singapore Insurance Brokers' Association 


A subsidiary of    citystate                      



Management Team


Mr. George Thomas, Chief Executive Officer

Senior Associate (ANZIIF)


George brings more than 40 years of working experience covering the full spectrum of the insurance business which includes insurance broking business development, marketing, and underwriting including leadership development.


His expertise is in all classes of non-marine business and exudes his competency and capabilities at the helm. His experience includes the international broking arena both in Asia Pacific and Europe.


George holds an ANZIIF (Australian and New Zealand Institute of Insurance and Finance) Senior Associate and holding office as a Council Member of the Singapore Insurance Brokers Association.



Dr. Michael Teo, Executive Director

PhD (Psychology); MA (Education Training & Development); SHRP;

G. Dip. B.A.; Associate CIP (ANZIIF); Advanced Dip. ISJ.


Michael brings 37 years of working experience covering the full spectrum of the business which includes human resource and training functions and initiatives, facilitates knowledge transfer, counseling, behavioral management and modification, leadership development, insurance underwriting, marketing and business development.


His experience includes the international arena with attachments and working experience in Lloyds of London and other insurance companies in the United Kingdom.


Michael holds a Doctorate Degree in Philosophy in Psychology (PhD), Masters Degree in Education, Training & Development, accredited HR Practitioner as Senior Human Resource Professional (SHRP), Graduate Diploma in Business Administration, ANZIIF Associate CIP and an Advanced Diploma from the Insurance School of Japan.


Michael consulted and facilitated on insurance education and infrastructure development with the insurance authority of the Ministry of Economy and Finance Cambodia, Malaysian Insurance Institute (MII) and various insurance companies in the region.


An adjunct lecturer, Michael lectured for the Singapore College of Insurance. He also delivers speaking engagements at various organizations including Polytechnics in Singapore. 



Mr. Sam Tai, General Manager - Operations

Chartered Insurance Broker

Associate of the Chartered Insurance Institute (ACII)


Sam Tai graduated from the National University of Singapore with a Bachelor (Hons) degree in Chemical Engineering. Sam also currently holds the Chartered Insurance Brokers Status and is an Associate of the Chartered Insurance Institute (ACII).


Sam’s areas of expertise are in the non-marine insurance classes such as Property, Casualty, Construction & Engineering classes of Insurance. Sam is also familiar and experienced in arranging and structuring complex large risks and multi-national global programs for clients with international exposure.



Mr. Ronald How, General Manager - Marine

Senior Associate CIP (ANZIIF)

Associate of Singapore Insurance Institute (ASII)

Chartered Member of Institute of Chartered Institute of Logistics & Transport (CMILT)


Ronald brings with him a wealth of experience from both the insurance and shipping industries. 


He has spent over 30 years in the insurance industry where he acquired much of his well-rounded experience in underwriting, international insurance broking and reinsurance. He spent some 10 years as Head of Insurance, Claims and Legal Dept. in major shipping companies where he handled marine related insurances for large fleet of vessels and complex claims.


Undoubtedly, Ronald’s complementary experience in the shipping sector coupled with his vast insurance broking experience will add value to clients that we service.


Currently, Ronald heads the Marine Division in Newstate. Apart from the usual Marine Hull, Protection & Indemnity and Cargo Insurance that he handles, his expertise includes Marine Liability Products and Marine Claims.