Insurance Broking

As insurance brokers, we represent YOU, the customer, and are licensed to get you insurance covers from any insurance company in India. Brokers are mandated by IRDAI to get the best terms for scope of cover & price. We also provide you with comparisons and advice, and help choose the insurance covers at the best possible rates.

We place emphasis on the scope of cover above the price at which the cover could be bought. The rationale is that a cheaper price will result in a slightly better performance, in regards to profit of your firm. On the other hand, purchasing a cover which does not fully cover your risk exposures would hit your balance sheet.

We do play an important role in getting you the best price through meaningful competition between insurers and as a broker we have access to each and every insurer in India.

Our personnel are qualified and trained to evaluate risk exposure of your personal & business risks and advise adequate covers. Training is an ongoing process in our organization. You can consider us as experienced matchmakers between insurers and your business environment.

We also have a unique distinction of introducing new products in the Indian market such as:

• ALOP (Advanced Loss of Profit)
• DSU (Delay in Startup)

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Reinsurance Broking

Worldwide, 75% of Reinsurance business is placed through brokers. IRICBS is a leading intermediary between domestic & overseas Reinsurance companies. We provide risk coverage through arranging support from reinsurers across the globe. For your security, and to protect your interests, we place it with reinsurers rated A & above.

Continuous support for policy servicing matters and active participation in claim settlement sets us apart. Transparency and Integrity remain our guiding principles in doing business.

We also have a unique distinction of introducing new products in the Indian market such as:

• PML cover for risk
• PA XL (Personal Accident Excess of Loss)

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Risk Management and Consulting

Managing risk is an integral part of any business. At IRICBS, we help you identify and manage all sorts of risks, namely:

• to replace lost earnings in the event of premature death or disablement,
• to replace lost earnings and to cover the costs of damage to your home, office or workplaces,
• to cover the risks to automobiles, electronics or office equipment

Risks can vary widely between industries or domains, and our experts help you with customized advices for your areas of specialization.

When you give an exclusive mandate to IRICBS Team as your broker, you gain access to all of our services that may be needed by you.

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Claims Consulting

Client satisfaction is not dictated by getting a policy, but by getting a legitimate claim assessed in a professional manner by the loss adjustor. Our dedicated staff helps you for claims that may arise and works actively to get an early resolution to any problem that may arise.

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