Zhongmiao Holdings
Digital insurance agency and scenario-based distribution platform based in Qingdao, China.
Overview
Zhongmiao Holdings is a digital insurance agency serving corporate and household clients in China's Shandong, Hebei, Henan, and Jilin provinces. Headquartered in Qingdao, the company was founded in March 2017 and grew out of its role as the designated insurance agency for Haier Group, though it has since diversified and reduced its reliance on Haier-affiliated business.
The agency distributes property, life and health, accident, and automobile insurance products through insurance agents, roughly 20 strategic channel partners, and direct online channels, working with approximately 70-80 insurance company partners. Its scenario-based product lineup includes enterprise and truck-driver employer liability coverage, Haier distributor protection plans, construction-related liability products, SME HR-linked insurance, long-term critical-illness medical coverage, and special equipment liability insurance, offered alongside a mobile and WeChat-integrated app (全掌柜, QuanZhangGui) for policy management.
Beyond distribution, Zhongmiao operates a Finance Technology Services segment supplying insurance-related IT systems, AI-driven risk-control and claims tools, and HR consulting to enterprise clients and channel partners. It listed on the main board of the Hong Kong Stock Exchange (HKEX: 1471) in August 2024, becoming the first mainland Chinese insurance intermediary to do so, and in July 2026 announced a strategic alliance with carrier ZhongAn Online to jointly build a digital insurance platform for sectors including digital industry, robotics, new energy, and health.
Products & Services
Insurance Agency Distribution
Core brokerage business distributing property, life and health, accident, and automobile insurance products to corporate and household clients.
Key Features
- Products sold through insurance agents, strategic channel partners, and direct online channels
- Approximately 70-80 insurance company partnerships
- Coverage across Shandong, Hebei, Henan, and Jilin provinces
Target Users: Corporate and household insurance buyers in China
Scenario-Specific Insurance Products
A line of scenario-based insurance products addressing specific occupational and commercial risks.
Key Features
- Enterprise and group employer liability insurance
- Truck driver employer liability insurance
- Haier distributor protection plans
- Construction-related liability products
- SME HR-linked insurance products
- Long-term and critical-illness medical insurance (branded "million-yuan medical insurance")
- Special equipment liability insurance
Finance Technology Services
A second business segment providing insurance-related IT systems and AI-driven tools to enterprise clients and channel partners.
Key Features
- Claims-processing and marketing/distribution IT systems
- AI-driven risk-control and smart-claims tooling
- HR consulting, recruitment, and promotion services
QuanZhangGui App (全掌柜)
A mobile app and WeChat-integrated digital insurance marketplace for account management and policy servicing.
Key Features
- Policy management and servicing
- WeChat integration
- User engagement tools
Target Users: Registered individual and household policyholders
At a Glance
- Founded
- 2017
- Headquarters
- Qingdao, Shandong, China
- Employees
- 51-200
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Insurance Agency Digital Distribution Embedded Insurance
- Insurance Verticals
- P&C Commercial P&C Personal Health
- Target Customers
- Employers, Consumers, Agents/Agencies
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Last updated: 2026-08-06