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2.
As insurance brokers we have qualified and experienced insurance
experts and can arrange insurance covers for our clients at the
most competitive premium rate and terms.
3. As insurance brokers we analyze insurance needs of clients, study
their existing policies and advise about insurance covers suitable
for their establishment to protect their assets and financial interests.
Need based insurance covers are also arranged.
4.
As insurance brokers we provide a package of services to the insurance
buyer, including post-insurance services as well as assisting in
submission of claim documents to insurance company. Please see annexure
for the range of functions we perform for you as your insurance
brokers.
5. As insurance brokers we are governed by code of conduct prescribed
by I.R.D.A
6.
As insurance brokers we are different from insurance agents. Insurance
agents represent a given insurance company, and not the insurance
buyer.
Thus, insurance agents sell the insurance policies of a given insurance
company, taking care of the interests of the insurance company and
not of the insurance buyers.
7. As insurance brokers we are professionals and represent the insurance
buyers, i.e. you only, and not the insurance company. As insurance
broker we can place the insurance of our client with any insurance
company, in the best interest of the insurance buyer. Thus, as insurance
broker, we are a single window solution for all your insurance problems
/ requirements with all insurance companies.
8.
Importance of the role of insurance broker in the emerging scenario
of ’De-tariffing' :
tariffs
especially in fire & engineering insurance have to some extent
restricted the role of brokers regarding rating/terms of risks,
but there are various discounts available in tariff rates which
are overlooked by clients. Brokers play an important role in securing
the discounts by implementing certain suggestions.
Now
that the government of India have embarked upon insurance reforms
and thrown open the insurance sector to private players, sooner
rather than later, the above described administered price mechanism
through tariffs will give way to a non-tariff regime, whereby the
premium to be charged for any given insurance cover will be negotiated
by us as your insurance brokers on your behalf with the insurance
company by giving due consideration to various factors like risk
exposures, past claims experience, risk improvement measures adopted,
etc. On more scientific basis.
Thus, without any exaggeration, we may bring to your kind attention
and notice that all buyers of insurance like the private limited
/ public
limited corporate, statutory corporations of the central/state govts.,
partnership firms, charitable institutions, individuals, etc. Would
need to use professional insurance brokers like us because buying
insurance through insurance brokers like us is a win-win situation
for all insurance buyers.
So,
our dear insurance buyers, kindly be aware of the fierce competition
amongst the insurance companies for selling their insurance policies
to you.
Insurance is a highly specialized subject requiring professionals
like us to assist you. Appoint us as your insurance brokers by giving
us mandate to negotiate on your behalf, without any additional cost
to you. You will derive immense benefits in terms of coverage, premium,
etc.
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