We are a team of committed and very experienced underwriting specialists and claims professionals, with years of in-depth knowledge on industry cycles, unique hazards and exposures of the Asia-Pacific market.

Our Team

Joseph Lo
Chief Executive Officer

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Joseph is responsible for development of Hawkes Bay Underwriting in Asia. He has more than 25 years of underwriting experience and portfolio management in international markets with major international insurers and reinsurers. He joined the Company in September 2012 after he worked for Berkley Re Asia as a Vice President and Head of Casualty for underwriting and managing the treaty and facultative portfolio in Asia.

Previously, he worked for Swiss Re as Senior Underwriter for Casualty overseeing the market for North Asia with technical referral and underwriting responsibilities. Joseph also has worked with ACE and was subsequently appointed as Casualty Underwriting Manager. Joseph has successfully built up a high quality casualty book with a track record of delivering profitable results as well as developing long term relationship with clients all throughout the Asia Pacific.
Elsa Wong
Head of Finance and Operations

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Elsa is a well-qualified Certified Public Accountant, including a fellow member of The Association of Chartered Certified Accountants in the United Kingdom, a fellow member of The Institute of Chartered Accountants in England and Wales and an associate member of Hong Kong Institute of Certified Public Accountants, and is responsible for the Group’s overall finance, operations and compliance functions.

With several professional and competent senior management careers in excess of 26 years, Elsa has proven and strong experience in general and operations management, corporate finance and restructuring, audit and tax compliance, accounting, treasury, receiverships and company secretarial experience in Hong Kong, the Mainland China, the United Kingdom and the United States. She has a wide spectrum of experience in different fields including Ernst & Young, the Government of the HKSAR, a Multi-national trading and manufacturing company.
Ronald Chow
Underwriting Manager (Casualty)

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Ronald started his career in insurance since 1991 in the Winterthur Asia Ltd. In 1992 he moved to the Aon HK (formerly known as Heath Hudig) as a broker placing insurance into global market strengthened in Casualty non-financial lines. He also had responsibility for running the US Exports Products Liability Scheme for various major international vendors and had run very profitably for a period of over 10 years, mostly was under Ronald’s tenure. He has more than 20 years of (re)insurance and risk management experience in Greater Chin and Korean markets.

Ronald joined Hawkes Bay Underwriting in 2012 and responsible for the underwriting and portfolio management of general liability and financial lines. His extensive experience in marketing and recognized technical knowledge where he was get promoted to the position of Casualty Underwriting Manager in 2017.
Manson Ma
Chief Operating Officer
Head of Specialty, Marine

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An energetic professional with 16 years’ insurance and reinsurance experiences focusing on a matrix of local and international businesses in both broking (8 years) and underwriting (8 years). Embrace disciplined underwriting as the core to achieve sustainability and long-term success. Experienced in portfolio management and re-engineering the businesses according to the company’s vision and strategy. Well-connected individual beyond insurance. Firm believer of entrepreneurship and innovation. Prior to his current roles as COO & Head of Specialty (Marine), Manson worked for AXA XL as marine underwriter and Berkley Insurance as Head of Marine for Greater China region. Manson holds a bachelor’s degree (in Business Administration) and 2 master's degrees (in Global Political Economy majoring in Soft Power Politics, and in International Shipping and Transport Logistics). Manson is also a Senior Associate of ANZIIF and Committee Member of Marine Insurance Association of HKFI in 2019 – 2021.

Outside of work, Manson is a keen sailor at yacht racing and a UK qualified yacht sailing instructor. He is actively sharing his knowledge by engaging the local community & charitable organizations via various leadership / teaching roles. Manson is also the founder of Swiss Re Alma Mater Sailing Race at Royal Hong Kong Yacht Club - an idea to bridge marine, reinsurance industry, sustainability and the HK community - things he cares the most altogether.