Risk & insurance advisory for businesses
We survey risks before an incident, arrange insurance that fits how you actually operate, and represent your interests from the moment of loss until the claim is paid.
Understand the risks at your sites, reduce the chance of an incident and improve your insurability.
Cover that matches real exposures, clear wording, sensible cost.
Quantify the loss, build the claim file and deal with insurers so you are paid correctly and in full.
+ Business administration consulting
Cumulative figures from our experts' careers at insurers, adjusting firms and marine services companies.
Right after an incident
Decisions taken in the first 24 hours often decide how much you recover. Call us and we will guide you step by step, free of charge.
Call the hotline
0919 081 000Limit further damage
Cut power, move stock, cover assets. It is also a duty of the insured under the policy.
Notify your insurer
Notify early and in writing (email or letter), and keep a record of when you did.
Record the scene
Take wide and close-up photos and video before cleaning or repairing. Keep damaged goods and equipment.
Report to the authorities when needed
Police, fire service, port authority or local government. Ask for an incident report.
Do not admit liability
Do not sign agreements with third parties without advice. For cargo, send a notice of claim to the carrier within the time limit.
How we work
When a loss happens, the insurer has its adjusters and claims handlers. The insured business usually has an accountant and an incomplete file. Fo4U fills that gap.
We review your current policies and flag exclusions, deductibles and under-insurance conditions that could reduce a payout.
We build the loss calculation for property, stock and business interruption with supporting documents, the way adjusters and insurers will test it.
We attend surveys, answer information requests and negotiate open points through to settlement.
Sectors
Our team includes marine engineers, civil engineers, automotive engineers and claims legal specialists. Each sector has its own risks and its own way claims get settled.
Cargo losses, hull, recovery from carriers.
Contractors' all risks (CAR), erection all risks (EAR), contractors' plant.
Factories, warehouses, fire and flood damage, lost profits.
Accidents, third-party liability, fleet risk management.
Case studies
Warehouse · Flood
Cargo · Sea freight
Construction · CAR
Illustrative scenarios drawn from common market cases, not the file of a specific client.
Insights
Claims · 20 October 2026
Right after an incident many businesses rush to clean up and resume operations, and lose evidence in the process. Here is what to do, in order.
Read article · 5 min readInsurance programme · 14 October 2026
Declaring a low sum insured to save premium can cost you a large share of a claim, even for a small loss.
Read article · 4 min readMarine · 7 October 2026
Your right to claim against a carrier can be lost through a single signature on a delivery receipt or a late notice.
Read article · 5 min readTeam
Each case is led end to end by a specialist with the right engineering or legal background.
Truong Ngoc Trac
Chief Operating Officer
Marine engineer · Surveying & marine insurance
Nguyen Huu Ngoc Hien
Independent Board Member
20+ years in insurance · Claims, ERM, training
Do Thanh Thao
Specialist
Automotive engineering · Motor insurance
Le Hong Hung
Specialist
Legal · 10+ years managing claims
Hoang Quang Le
Specialist
Marine engineer & law graduate · Marine
Vo Quang Truc
Specialist
Marine engineer · Deck officer at Maersk Line, PTSC Marine
Tran Thien Hai
Specialist
Civil engineer · Construction insurance
Nguyen Minh Tam
Officer
Document translation & communications
Send us your policy or a description of what happened and the relevant specialist will reply the same day. Advice is free; fees apply only once you decide to engage our services.
