Trusted Insurance Advisors & Risk Management
Risk understood precisely. Cover negotiated properly. Claims defended fully.
Twenty-two years advising boards, business owners and families across India on which risks to retain, which to transfer and how to hold insurers to both. Straight advice, accountable to clients.
We work with India's leading IRDAI-registered insurers
Twelve commercial lines for businesses, six for individuals and families. Every recommendation runs through the same disciplines: comparison across India's leading insurers, written recommendation, documented audit trail.
Not finding the cover you need? Tell us your exposure, we will source it from the wider market or, if there is no acceptable terms available, tell you so plainly.
Twenty-four sectors, each with its own exposure map, claim patterns and typical programme. Open yours.
Your sector not listed? Tell us what you do, we will assess whether we are the right adviser for your risk profile and decline the engagement if we are not.
Another way in: not by product or industry, but by the risk you actually lose sleep over. Each card opens a deep-dive.
Fire, explosion and allied perils, and the reinstatement gap that surfaces at claim time.
Explore the risk →Sudden plant failure your fire policy excludes, plus the production loss that follows.
Explore the risk →Damage, theft and total loss to goods in transit by road, rail, sea or air.
Explore the risk →Flood, cyclone and earthquake, rising losses, under-reflected in old sums insured.
Explore the risk →The gross profit lost while you rebuild, often bigger than the property loss.
Explore the risk →Statutory and common-law liability for workplace death, injury and disease.
Explore the risk →Third-party injury, property damage and defective-product claims, rising in court.
Explore the risk →Ransomware, breach and BI from cyber events, plus DPDP Act penalties.
Explore the risk →External theft of stock and cash, and internal employee fraud.
Explore the risk →Negligence, error and malpractice claims that follow advice, design and care.
Explore the risk →Recommendations should survive contact with a claim. How India's general insurers actually pay, refreshed daily from our data desk.
The right clause changes with the cargo, because the loss that actually happens changes. Stone breaks in handling, cloth is ruined by water, chemicals harm people other than you. Four we handle most, in full detail.
No charge, no obligation. We read what you have, compare it against current market wording and your sector's actual claim activity, and send you a one-page summary of what is well-placed, what is mis-sized, and what is missing.
Confidential. We treat your policy with the same care and discretion as every client engagement. The review is delivered within 5 business days.
By submitting you consent to be contacted about your policy review. We do not share data with insurers or third parties.
A senior advisor will read your policy and send a one-page gap analysis to your email within five business days. Here is the kind of finding it will surface, drawn from a recent review for a similar engagement:
Paste your policy wording or schedule and Raksha AI reads it instantly: what it covers, the limits, and the exclusions and gaps to watch. For your privacy, leave out personal details such as your name or policy number.
Informational summary only, not a coverage or claims decision. Raksha AI reads only what you paste, and the text is not stored. For a full written review, an advisor confirms it.
Seven calculations our advisors run every day, and a reminder service that does the remembering for you. They update as you type. Indicative, not a quotation: a formal recommendation follows underwriting, but these put you in the right ballpark in seconds.
Enter today's replacement values, not book values, to see the sum insured a fire policy should carry, and what under-insurance would do to a claim under the average clause.
Enter your details for an indicative life cover based on income replacement to retirement.
Enter your figures for an indicative business-interruption sum insured on the gross-profit basis.
What the Code on Social Security, 2020 makes an employer liable for, per worker, whether or not any insurance is in place. A WC policy transfers exactly this.
Gratuity is a statutory employer liability under the Code on Social Security, 2020. It accrues silently on your books every year. A group gratuity plan funds it.
Three numbers decide how a transit programme is structured: what you usually move, the most you ever move at once, and how often.
IDV is the most a motor insurer pays on total loss or theft, set by the standard depreciation schedule. Insure below it and every claim shrinks; above it and you pay premium for cover you can never receive.
Tell us when your policy renews and we will remind you about 30 days before, with a free comparison across India's leading insurers. Nothing else in between. No calls, no spam.
These are indicative estimates from standard advisory formulas, not a quotation or a guarantee of insurability. Your actual cover depends on underwriting, health, occupation and the policy wording. An advisor will refine them with you.
Each calculator on its own page, with the formula and the statute explained: Sum insured Business interruption Workmen compensation Gratuity Marine cargo Vehicle IDV Human life value All calculators →
Rakshit Financial Services is a licensed insurance advisory firm covering marine, property, liability and personal insurance across India. We take the time to understand your business, assess the risks that actually matter, and arrange cover from India's leading insurers that matches your real exposure: sums insured that reflect true values at risk, deductibles your balance sheet can absorb and wordings that stand up at claim time.
We are not in the business of selling policies. We are in the business of managing risk. That distinction shapes every conversation we have, every policy we arrange and every claim we handle.
"Our measure of success is not the number of policies we place. It is how well our clients are protected when something goes wrong."
Structured evaluation of operational, financial and liability exposures, identifying gaps, over-insurance and uninsured risks before any policy is arranged.
Clear guidance across India's leading insurers to secure competitive quotations, compare terms and arrange cover on favourable terms, without compromise on scope.
Ongoing portfolio management with renewal tracking, mid-term endorsements, sum-insured reviews and proactive alerts so nothing lapses or goes unnoticed.
Dedicated claims support from FNOL through to settlement, surveyor co-ordination, documentation preparation, insurer liaison and escalation where claims are delayed or disputed.
For groups with multiple entities, locations or lines, consolidated programmes with aligned renewal dates, co-ordinated cover and a single point of accountability.
A structured review of your personal health, life, accident and asset cover, recommending the right combination across individual, family floater and investment-linked products.
We are committed to giving every client clear, considered guidance. The advice we give, the cover we arrange and the way we handle your claims are all shaped by your needs and your priorities.
This is not incidental to how we operate. It is the foundation of every recommendation we make.
Mandatory breach notification rules under the Data Protection Board are likely to land in 2026. The premium implications, and the cover most policies still exclude, start now.
Read the briefing →Claims paid against declared values, broken down by trade route, warehouse-to-warehouse exposure and the recurring documentation gaps that reduce settlements.
Download the report →Public liability, cyber, key person, business-interruption overhang and contractor liability, and why each one becomes business-ending more often than owners expect.
Read the perspective →Many providers simply sell policies. We assess your risk first and arrange cover second. That shows up in three concrete ways: a recommendation matched to your actual exposure, sector-specific policy wording for industries like mining, chemicals and hospitality, and active claims support that does not end once the policy is issued.
Going direct to an insurer leaves you to interpret policy language and handle claims on your own. Working with an experienced advisor like RFS means cover matched to your actual risk, guidance across leading insurers' products, and someone who stays engaged through renewals and claims. That difference matters most when something goes wrong.
Our recommendations are guided by your risk and your needs, not by sales targets. We are glad to walk you through the options we considered and why we recommended what we did, and where you ask us to, we will document that comparison in full.
We can review your existing programme without any obligation to move it. The output is a written report flagging coverage gaps, redundancies, sub-limit risks and renewal opportunities - the same document we would prepare for an internal audit. If the existing arrangement is sound, we will say so. Where it is not, you decide what to do with the information.
Whether you are reviewing an existing programme, exploring new cover or simply unsure whether your policies are adequate, we will give you a straight answer. No obligations, no sales pitch.
Existing policyholder with a loss? Report a claim and a specialist responds within 6 hours.
New engagement, we will treat this as a fresh enquiry and respond within one business day.
Existing client, please include your policy or client reference number in the requirement field so we can route directly to the claims desk.
Renewal review, if you can include the current renewal date and incumbent insurer, we can prepare a benchmarking brief before the call.
Thank you. Your enquiry has been received. We will respond within one business day.
Powered by Raksha AI · General information only, not financial advice.
