Trinity Insurance and Reinsurance Brokers

What Trinity Insurance and Reinsurance Brokers does

Trinity Insurance and Reinsurance Brokers, Inc. (TIRBI) is a Philippines-based insurance and reinsurance brokerage founded in 1987 in Makati City. The firm provides a full spectrum of general insurance and employee benefits products to over 2,000 clients spanning large Philippine conglomerates, regional multinationals, small and medium businesses, shipping/maritime operators, and individual consumers. Its product portfolio is organized into three lines: General Insurance (motorcar, cybercrime, marine cargo/hull/aviation, professional indemnity, D&O liability, bonds, product recall and contamination, poultry and livestock), Employee Benefits (HMO under the Trinity Shield sub-brand, international medical in peso and dollar plans, critical illness, Amended Migrant Workers Act coverage), and Service Solutions (third party administration, claims management, industry benchmarking, wellness program development). Consumer-facing products such as bicycle and big bike insurance are sold through an e-commerce storefront on trinity-insures.com, while corporate clients are served via dedicated account managers. Travel insurance is co-distributed through a partnership with STARR Insurance, redirecting buyers to STARR's portal at point of sale.

The firm operates an insurance brokerage platform with a digital client portal for policy administration, an online application and quote engine, and internal claims management workflows. No public API, SDK, or developer-facing integrations are disclosed. The technology stack is conventional for the brokerage industry and is positioned as a service-enablement layer rather than a differentiated product. Trinity is a partner of Brokerslink, a global network of independent brokers covering 100+ countries, which provides international placement capability for multinational clients. The company is privately held, majority-controlled by the Garcia family, and operates through TIRBI as the parent and two wholly-owned subsidiaries: Trinity Healthcare Services (THS, established 1994 to handle employee benefits) and Trinity Insurance Brokers Cebu, Inc. (TIBC, 2004). Headcount is stated at 101–250 employees across two offices in Makati (headquarters, Trinity Insurance Center, 2017) and Cebu.

Revenue is generated primarily through commissions earned from local and global insurance carriers on policies placed, with tiered unit pricing for consumer products (bicycle insurance PHP 1,500–6,000; big bike PHP 8,600–38,500), subscription-style annual HMO plans starting at PHP 6,000 per employee per year, and quote-based pricing for corporate accounts. Reported premiums written grew from PHP 3 million in the founding year to PHP 1 billion in 2015 and PHP 2 billion in 2019, indicating sustained double-digit compound growth across the 32-year track record.

Name

Trinity Insurance and Reinsurance Brokers

Legal name

Trinity Insurance and Reinsurance Brokers, Inc.

Website

https://trinity-insures.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

Trinity Insurance and Reinsurance Brokers is a Philippines-based insurance brokerage founded in 1987, offering general insurance, employee benefits, and service solutions to over 2,000 corporate and individual clients domestically, with global reach via the Brokerslink network spanning 100+ countries.

Ownership category

akta.pro rank

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Trinity acts as an insurance broker earning commissions from insurance providers (both local and global risk carriers) for placing insurance policies with clients. The company matches clients with appropriate insurance products from their network of partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Trinity Insurance and Reinsurance Brokers is an independent insurance and reinsurance brokerage that arranges general insurance, employee benefits, bonds, and personal insurance coverage on behalf of clients by placing risks with multiple domestic and international carriers. It also provides risk advisory, claims support, and HMO administration through its subsidiary Trinity Healthcare Services, serving both corporate enterprises and individual consumers in the Philippines.

Product overview

Trinity Insurance and Reinsurance Brokers is a full-line insurance broker offering a broad portfolio of General Insurance and Employee Benefits products and service solutions. The General Insurance portfolio includes Motorcar Insurance, Cybercrime Insurance, Poultry and Livestock Insurance, Marine Cargo/Hull/Aviation Insurance, Professional Indemnity Insurance, Directors and Officers Liability Insurance, Bonds, and Product Recall and Contamination Insurance. The Employee Benefits portfolio includes HMO (Trinity Shield), International Medical Insurance, Critical Illness, Amended Migrant Workers Act (AMWA) Insurance, and Travel Insurance (via STARR partnership). Consumer-facing products also include Bicycle Insurance and Big Bike Insurance. Service Solutions encompass Third Party Administration, Claims Management, Industry Benchmarking, and Wellness Program Development and Management. The company serves over 2,000 clients across diverse industries in the Philippines through partnerships with local and global insurers, with global reach via Brokerslink spanning over 100 countries.

Differentiator

Problem solved

Functional benefit

Brands

• TRINITY SHIELD: HMO program for companies with 5 to 249 employees providing comprehensive and cost-effective healthcare coverage including in-patient, out-patient, emergency care, annual physical exam, financial assistance, maternity assistance, dental, tele-consultation, and wellness program benefits.

Products and services

• General Insurance Brokerage Placement and ongoing servicing of commercial general insurance lines including property, marine cargo, motor, bonds, aviation, and engineering for corporate clients in the Philippines and abroad via Brokerslink.
• Employee Benefits Solutions Design, placement, and administration of employee benefits programs including HMO (via Trinity Healthcare Services), group life, accident insurance, and other group health benefits for corporate clients.
• Personal Lines Insurance (Online Shop) Online purchase of personal insurance products including bicycle, big bike, motorcar, fire, and travel insurance for individual consumers in the Philippines.
• Bonds and Guarantees Arrangement of surety bonds and guarantees for corporate clients requiring statutory, contractual, or performance bonding.
• Risk Management and Advisory Services Risk advisory, claims advocacy, and program structuring support provided alongside insurance placement to help clients manage and mitigate insurable risks.
• Trinity Healthcare Services (HMO Administration) Subsidiary offering HMO administration and provider network management as part of Trinity's employee benefits offering for corporate clients.

Quantifiable outcome

• Over 2,000 clients served across various industries
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• BrokerslinkcoreStrategic or Co-development PartnerTrinity is a Brokerslink partner, providing access to a global broking company that brings together market-leading independent brokers from more than 100 countries. This partnership enables Trinity to serve clients with risk management services globally while maintaining local expertise. Brokerslink delivers a powerful alternative to the world's largest brokers.
• STARR InsurancecoreChannel Partner/ Reseller/ DistributorTrinity partners with STARR Insurance to provide comprehensive Travel Insurance designed to protect clients against international travel inconveniences. Through this partnership, clients are redirected to STARR Insurance's portal to complete travel insurance purchases.
• Asia-Australia AllianceminorStrategic or Co-development PartnerListed as an external partner link, suggesting a regional alliance for insurance services in the Asia-Australia region.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Others

• Insurance Commission of the Philippines (regulator) — n/a, replaced with peer: Sedgwick Philippines: Global claims management and loss-adjusting firm with Philippine operations. Comparable as an adjacent insurance services provider supporting the same enterprise and SMB clients Trinity serves, particularly around claims management services Trinity markets.
• Pioneer Insurance: Philippine non-life insurance carrier. Comparable as a Philippines-headquartered insurance market participant; interacts with Trinity as a carrier partner on the broking side while competing for end-customer mindshare.

Direct peers

• Willis Towers Watson Philippines: Local presence of WTW, a global broker and advisory firm. Competes directly for risk management, insurance placement, and employee benefits mandates from Philippine conglomerates and multinational clients.
• Aon Philippines: Philippines office of Aon plc, the world's largest insurance broker by revenue. Direct competitor for Philippine enterprise and multinational accounts, with overlapping product lines in P&C, employee benefits, and risk advisory.
• Kacific Insurance Brokers: Philippine-domiciled insurance broker serving corporate and individual clients. Competes with Trinity on general insurance placement, HMO/healthcare products, and SMB consumer products in the Philippines.
• Lockton Philippines: World's largest independent insurance broker with Asia-Pacific operations. Competes for enterprise risk management, insurance placement, and employee benefits work across the Philippines and the region.
• Arthur J. Gallagher (Philippines / Asia): Global insurance brokerage expanding in Asia-Pacific. Competes with Trinity on P&C, employee benefits, and risk management for medium-to-large Philippine corporates and multinational accounts.
• Marsh Philippines: Philippines office of Marsh McLennan. Direct competitor offering insurance brokerage, risk consulting, and employee benefits services to Philippine corporates and multinational subsidiaries across the same lines Trinity brokers.
• Howden Philippines: Asia-expanding global insurance broker with a growing Philippine footprint. Competes with Trinity for mid-market and enterprise insurance placement, especially for clients needing cross-border programs across Southeast Asia.

Regional players

• FPG Insurance: Philippine-domiciled insurance provider and broker network. Comparable as a regional Filipino insurance intermediary competing for similar enterprise and consumer insurance placements.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/trinityinsures
• LinkedInlinkedin.com/company/trinity-insurance-brokers-inc.
• Xx.com/trinityinsures

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Trinity Insurance and Reinsurance Brokers