Insurance broking & risk management
Insurance and Risk Management Solutions for Individuals and Businesses
We design the cover, negotiate with insurers, and stay with you through renewals and claims - so you are not reading a policy wording for the first time on the worst day of your year.
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- Independent advice across a panel of insurers
- Corporate programmes and personal cover under one roof
- Claims handled by us, not left to you
What do you want to protect?
Corporate insurance
Cover for the risks that stop a business trading: cyber incidents, property damage, liability claims, cargo in transit, project plant, and the health of the people who work there.
Cyber Insurance
Cover for the cost of a breach, a ransomware event and the downtime that follows.
Learn moreProperty Insurance
Fire, special perils and the trading income you lose while you rebuild.
Learn moreLiability Insurance
When a third party claims your business caused their loss.
Learn moreCredit Insurance
Sell on credit terms without carrying the whole risk of non-payment.
Learn moreMarine Insurance
Goods in transit, by sea, air, road or rail - domestic and export.
Learn moreEngineering Insurance
Projects under construction, plant being erected, and machinery that breaks down.
Learn moreEmployee Benefits
Medical, accident and life cover for the people who run your business.
Learn moreGroup Health Insurance
Group mediclaim for employees, and the family members they support.
Learn morePersonal insurance
Health, life and motor cover chosen on terms rather than on price alone - room rent limits, waiting periods and claim ratios all get checked before we recommend anything.
Health Insurance
Hospitalisation cover that behaves the way you expect at the counter.
Learn moreLife Insurance
Cover matched to what your family would actually need without you.
Learn moreMotor Insurance
Third party cover is the law. Own damage is what saves you money.
Learn moreTerm Insurance
The most cover per rupee, for the years it is actually needed.
Learn moreFamily Health Insurance
One sum insured, shared across the family - including parents.
Learn moreCar Insurance
Renew on time, at the right IDV, with add-ons worth paying for.
Learn moreHow we work
Understand the risk
What you own, what you owe, who depends on you, and what a bad day actually costs.
Design the programme
Limits, deductibles and extensions that match the exposure, not a template.
Negotiate the market
We approach multiple insurers and compare on wording and service, not on premium alone.
Service and renew
Endorsements, additions, reminders at 90, 60, 30 and 15 days, and a renewal that starts early.
Handle the claim
We prepare the file, submit it, answer insurer queries and chase settlement.
Insurers we place business with
We are insurer-neutral. The panel below is where we source quotations; the recommendation depends on your risk.
- Bajaj Allianz General Insurance
- Cholamandalam MS General Insurance
- HDFC ERGO General Insurance
- ICICI Lombard General Insurance
- IFFCO Tokio General Insurance
- National Insurance Co. Ltd.
- Reliance General Insurance
- SBI General Insurance
- TATA AIG General Insurance
- The New India Assurance Co. Ltd.
- The Oriental Insurance Co. Ltd.
- United India Insurance Co. Ltd.
- Axis Max Life Insurance
- HDFC Life Insurance
- ICICI Prudential Life Insurance
- Life Insurance Corporation of India
- TATA AIA Life Insurance
- Care Health Insurance
- Manipal Cigna Health Insurance
- Niva Bupa Health Insurance
- Star Health and Allied Insurance
- GIC Re
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ReadFrequently asked questions
Why use an insurance broker instead of buying direct?
A broker acts for you, not for one insurer. We approach several insurers for the same risk, compare the wordings as well as the premiums, and handle the claim on your behalf. Buying direct gives you one company's products and leaves the claim paperwork with you.
Does using a broker cost more?
No. Brokerage is paid by the insurer out of the premium and is regulated. The premium you pay is not higher for having used a broker, and a market comparison often lowers it.
Can you help with a policy I bought somewhere else?
Yes. We will review an existing policy and explain what it does and does not cover. We can also assist with a claim on a policy placed elsewhere, and take over servicing at the next renewal.
How long does a quotation take?
For standard personal cover, usually the same or the next working day. For a corporate programme it depends on how quickly the underwriting information is available - typically three to seven working days.
What happens if I claim?
Tell us as soon as the event happens. We confirm what the policy covers, list the documents needed, submit the claim, coordinate the surveyor or TPA, answer the insurer's queries and follow the file to settlement.
When should I start a renewal?
Ninety days before expiry for a corporate programme, thirty for personal cover. That is the point at which terms can still be negotiated. We send reminders at 90, 60, 30 and 15 days.