1. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service A Warm Welcome to All of you to Insurance !!!

2. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service What is General Insurance? Protection of assets against Accidents and natural calamities on which one has absolutely no control.

3. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Value Addition to our clients 1.Monetary a.GHCL, Veraval - Rs 36 lacs saving in IAR policy with sum insured of Rs 350 crores, besides savings in special rating of WC policies. b.V-Trans, Mumbai – Restructuring of Stock declaration, Office Package etc resulted into savings of about Rs 7 lacs in the total premium of Rs 35 lacs.

4. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Value Addition to our clients c.BML, Jamnagar- Savings of Rs 4.50 lacs on account of premium rating. d.Anupam Rasayan, Surat - Savings of Rs 6.50 lacs on account of premium rating etc.

5. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Value Addition to our clients e.EMTICI (Elecon Group), Anand – Savings of Rs. 1.50 lacs in PA policy on account of definition of risk code. f.Devarsons Industries Ltd, Ahmedabad – Savings of Rs. 2.25 lacs on account of declaration policy and fixation of sum insured.

6. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Value Addition to our clients 2.Non Monetary a.GHCL - Sum Insured, Office Package, School Children Coverage, Residential & Such Assets taken out of IAR policy to avail lower excess. b.V- Trans – Region Wise Policies, Cash Policies, Change in coverage of PA policy, Burglary policy (exclusion of heavy items). c.Rasna – Coverage for Marine Transit policy, Office Package policy, Seasonal Coverage of stock etc.

7. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Experience Sharing of some technical matters 1.Reinstatement Clause Policy. 2.Adequacy of sum insured and not understanding the concept of correct policy wording. 3.Marine Policy Wordings – Ware house to Ware house.

8. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service How we can Help 1.We review all your existing policies and check adequacy of coverage, proper identification of risk etc. 2.We help you in correcting present policies and help you in claiming refunds (if any). 3.We suggest selecting suitable types of covers.

9. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Our main objectives are : 1.To ensure proper and adequate protection. 2.To minimize premium without affecting adequate and ideal level of risk coverage. 3.To effectively take care of all the aspects of General Insurance field.

10. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Our main objectives are : 4.We advise / help you in fixing adequate sum insured for your assets. This would help you in two ways: a.At the time of claim, you may not be penalized for reduction in claim on account of under insurance. b. At the same time, sum insured is not fixed up too high which would result into unnecessary payment of extra premium.

11. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Possible Benefits : i.Saving of Premia. ii.Appropriate Insurance Coverage with minimum cost.

12. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Our Track–Record on Benefits Generated We are handling assignments wherein sum insured base is ranging from Rs.1 crore to Rs.700 crores. The Insurance Premium amount is ranging from Rs.0.40 lacs to Rs.450 lacs p.a. & we have been able to save Insurance Premium ranging from Rs.0.10 lacs to Rs.36 lacs over & above shaping up of insurance policies such as Fire, Marine, Engineering, Vehicles etc.

13. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Scope of Work 1.Study & Review of Insurance Policies of current and previous one year. 2.To study Organization set-up, latest Balance Sheet, Nature of Activities and to suggest suitable Insurance Covers and to recommend dropping of unnecessary covers after studying pros & cons.

14. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Scope of Work 3.To suggest alternate covers with a view to have (a) adequate protection and / or (b) reduction in premium. This would be after the cost/ benefit analysis. 4.To help Company in deciding adequate sum insured for all the risk.

15. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Scope of Work 5.To help the Organization in deciding the right Insurance Company/Companies for risk coverage with advantage / disadvantage of such proposals. 6.Wherever necessary to discuss & finalize with Insurance Company for specially designed tailor made policies according to needs. 7.To help Company in negotiating Non Tariff Premium Rates in covers like Marine etc.

16. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Partial List of Major Assignments Successfully Executed Abm Steels Pvt. Ltd. Ahmedabad Steel Craft Ltd Air Control & Chemical Engg. Co.Ltd. Anupam Rasayan & Group Companies Atlas Dye-chem Industries & Group Companies Atul Auto ltd. Bhagwati Autocast Ltd.

17. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Partial List of Major Assignments Successfully Executed Bombay Minerals ltd., Jamnagar C L Sharma Resorts P.Ltd.,Gandhidham CTM Textile Mills Coulera Tech. Pvt. Ltd. Devarsons Industries Ltd. & Group Emtici Group of Companies, Anand Ghiya Extrusion

18. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Partial List of Major Assignments Successfully Executed Gruh Finance Ltd. Gujarat State Co-op. Bank Ltd. Gujarat Heavy Chemicals Ltd. (GHCL) Gujarat Mineral Develop. Corpn.(GMDC) India Brass Works, Rajkot Intricast Pvt. Ltd. Italia Ceramics & Italia Glass

19. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Partial List of Major Assignments Successfully Executed Kamaxi Flexiprints Pvt. Ltd. Khajana Stores Pvt. Ltd. Madhukant Group of Companies Madhu Industries Ltd. M. H. Packaging Pvt. Ltd. Premji Velji & Sons Jewellers, Rajkot Rasna Group of Companies

20. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Partial List of Major Assignments Successfully Executed Sagar Drugs & Pharmaceuticals Ltd. Senor Metals Pvt. Ltd., Jamnagar Sterling Abrasives Pvt. Ltd. Supack Industries Ltd., Rajkot Suzlon Fibres Ltd. Swastik Sanitary Wares Ltd. Vadilal Group of Industries Vardhman Stamping Pvt. Ltd. V-trans Ltd. (Vijay transport)

21. What we are today is because of YOU – Our CLIENTS General Insurance Advisory Service Thank You