Protecting Penang businesses since 1997. 守护槟城企业，始于1997。
AY Shield Risk Advisory was founded on a simple principle: that every business owner deserves an advisor who actually reads their policy. AY Shield Risk Advisory 创立于一个简单的原则：每位企业主都值得拥有一位真正读懂他们保单的顾问。
A legacy built over decades数十年铸就的传承
A father starts a practice on one belief — that SMEs deserve honest advice, not just a signed form.一位父亲创立了这家事务所，只凭一个信念——中小企业值得真诚的建议，而不只是一张签好的表格。
Clients stay — not for the cheapest quote, but because someone picks up the phone. When a claim is unfairly rejected, we fight it, and we win. Claims advocacy becomes who we are.客户留下来——不是因为报价最低，而是因为有人接电话。当理赔被无理拒付，我们据理力争，并且赢下来。理赔陪跑，从此成为我们的底色。
A son joins his father. A profession becomes a legacy.儿子加入父亲的事业。一份职业，成为一份传承。
Technology joins the team — so Liang-Hin and Yong-En can focus on what only people can do: judgment, and fighting for your claim.科技加入团队——让良鑫与勇恩专注于只有人才能做的事：判断，以及为你的理赔而战。
The advisors behind the advice建议背后的顾问团队
Specialises in claims advocacy and policy audit for manufacturing, engineering, and logistics clients. Has recovered millions in disputed claims over a 30-year career.专注于制造业、工程业与物流业客户的理赔倡导与保单审查。从事商业保险逾30年，曾为客户追回数百万令吉的争议赔款。
Handles client onboarding, policy explanations in Mandarin, and day-to-day advisory support. Bringing fresh perspective to a practice built on decades of trust.负责客户接待、中文保单讲解及日常顾问支援。以新生代视角，延续数十年积累的信任与专业。
Four services we bring to every client — any industry每一位客户，我们都做这四件事——无论何种行业
"To be a trusted guardian of businesses — protecting livelihoods and communities through integrity, stewardship and compassionate service."「成为企业最值得信赖的守护者，以诚信、管家精神与关怀服务守护企业、家庭与社区的未来。」
We serve businesses with honesty and excellence — providing responsible risk protection, wise counsel and faithful support to help our clients endure, recover and thrive.我们以诚信与卓越服务企业——提供负责任的风险保障、睿智的建议和忠实的支持，帮助客户在逆境中坚守、恢复并茁壮成长。
We tell you what your policy doesn't cover — even if it means less commission.我们告知保单不涵盖的内容——即使这意味着减少佣金。
Your risks are our responsibility to understand, not just to document.您的风险是我们真正需要理解的责任，而非只是记录在案。
When claims arise, we fight on your behalf. We don't disappear after the policy is signed.理赔发生时，我们代您全力争取。保单签署后我们不会消失。
New risks, new regulations, new products — so your coverage never falls behind.新风险、新法规、新产品——让您的保障永不过时。