1. Apins Consultants Pvt Ltd

2. VISION To make industrial world a safer place for employees as well as employers with the help of risk management. To enable corporate world to manage all type of risk in an effective and efficient way, thereby reducing cost of risk management. To make risk audit an essential part of risk management in corporate world. See in Full Size

3. OBJECTIVES OF APINS To be a well recognized risk auditor and risk manager in India by 2015. To cater to all risk related needs of the society especially corporate world. To clients build confidence by efficient handling of claims. To help client handle understand and handle insurance related issues in a better way. To provide innovative and value- added risk management solutions. See in Full Size

4. RISK MANAGEMENT It is a managerial function for protection of a firm’s assets, earnings, legal liabilities and personnel against financial losses. Risk management is a new discipline which has become a part of business management in many corporate firms. See in Full Size

5. RISK MANAGEMENT – APINS WAY Apins have pioneered an effective way of Risk Management with Risk Audit as an essential tool. We manage your risk in a cost effective manner. See in Full Size

6. “Risk management follows a systematic process which involves 5 steps” Risk Identification Risk Evaluation Selection of appropriate Technique or Methods to deal with the Risk Implementation of the selected Methods. Review of the Results produced by implementing various techniques.

7. RISK MANAGEMENT – APINS WAY The fire, break-down & similar perils cause huge losses to human life, property and production output in the world every year. As per study, the causes of these losses are : 1. Deliberate act 2. People not alert/aware of the hazards and 3. Carelessness/negligence of the people. These losses can be contained by systematic identification of the hazards, evaluating their impact and updating protection measures.

8. RISK MANAGEMENT- APINS WAY Apins have designed Standard Operating Procedure to be followed by experts for observation and examination of layout, construction and operations etc. Risk are analyzed, gap study is done and possible measures are suggested to reduce the likelihood and severity of accidents. Risk management advisors deliver the best solution for your business and optimize insurance.

9. APINS RISK AUDIT FLOWCHART 1. PRE-AUDIT DATA COLLECTION 2. SITE VISIT, STUDY THE EXISTING FACILITIES, LAYOUT & RECORD THE FINDINGS EXAMINE THE EXISTING INSURANCE POLICY COVERAGE/CLAUSE S AND RESEARCH THE PAST LOSSES IN THE UNIT. VALUATION OF ASSETS (BLDG.,P& M,FFF ETC.) 3. IDENTIFY ALL SIGNIFICANT HAZARDS 4. IDENTIFY THE PEOPLE WHO ARE AT RISK See in Full Size

10. 5. CONTROL ANALYSIS : EVALUATING/TESTING WHETHER THE EXISTING CONTROL MEASURES ARE SUFFICIENT OR NOT. 6. LIKELIHOOD DETERMINATION (LIKELIHOOD RATING) 7. IMPACT/SEVERITY ANALYSIS (SEVERITY RATING) 8. RISK DETERMINATION : RISK RANKING BASED ON 6 & 7 AND PML ASSESSMENT 9. REDUCE RISK : RECOMMEND ADDITIONAL CONTROL MEASURES, IF REQUIRED See in Full Size

11. 10. ASSESS RESIDUAL RISK : RISK RANKING AFTER IMPLEMENTATION OF 9. 11. IS RESIDUAL RISK ACCEPTABLE ? IF NO – GO TO NO. 3 IF YES – GO TO NO. 12 12. RISK ACCOUNTING : RESEARCH ON INSURABLE RISK AND TRANSFERABLE RISK AND POSSIBILITY OF CREATION OF A RESERVE FOR RETAINABLE RISK ETC. 13. RESULTS DOCUMENTATION: RISK AUDIT REPORT WITH ALL RECOMMENDATIONS ON RISK MANAGEMENT IS COMPLETE. See in Full Size

13.  Coke Manufacturing Units  Artificial Leather Manufacturing Industry  Steel Manufacturing Units  Garments Export Units  Hotels & Resorts  Coir foam Based Industries  Pu-Foam Based Industries  Coal Mines At Australia  Cement Manufacturing Industries  Garments Manufacturing Industries  Green House Projects  Tea Gardens/Tea Leaf Manufacturing Industries And Many Other Concerns………. And Many Other Concerns……….

14. Apins Consultants is an Insurance Risk Manager. It shoulders insurance on your behalf by OUTSOURCING your INSURANCE DEPARTMENT. As Insurance is a contract between the insured and the insurer. We prepare Insurance Declaration to form basis of this contract to clarify the terms and conditions of the policy. Our services includes : -  A pre- proposal preparation: Valuation of assets to decide adequacy of Sum Insured Segregation of the assets under different blocks Selection of appropriate Cover/Add on Cover/Clauses Arranging competitive premium quotes

15. INSURANCE MANAGEMENT- APINS WAY Detailed Verification of the policy documents. The applicable clauses, are attached along with the policy. Follow up of the declarations (under Workmen Compensation Policy, Marine Policy and Money Policy) and arranging the renewals. Effective Claims Management (claim intimation to its final settlement.)

16. Apins Consultants Private Limited is a Risk and Insurance Management company with a difference incorporated in January 2007. The company has pioneered the concept of RISK AUDIT. It is a team company managed by experienced executives from General Insurance, Engineers, Chartered Accountants, MBA’s, IT Officers and Marketing professionals. Our endeavor is to provide the latest and the most modern technique to our clients. NO RISK NO GAIN We say We will manage your RISK You manage your GAIN ABOUT APINS

17. We Are Available At Head Office Mrs. Ritu Mathur 309-IIIrd Floor Durga Business Center Opposite Hotel Gangour M I Road, Jaipur (Raj.) India Pin 302 001 Phone: +91-0141-3104548/0141-4028969 Fax: +91-0141-4027969 E-mail: infojaipur@apins.coinfojaipur@apins.co Corporate Office Mrs. Preeti Agarwal 12 C, Diamond Heights, 20/1 Chetla Central Road Opposite Chetla Boys School Kolkata (W.B.) India Pin 700 026 Phone: +91-033-24491416 Fax: +91-033-24491416 E-mail: infokolkata@apins.coinfokolkata@apins.co Corporate Office Smt. V. Dixit 6B3, JNV Colony, Bikaner(Raj.) India Mob.: +91-9413389414 E-mail: infobikaner@apins.coinfobikaner@apins.co Corporate Office for South II Floor, 3135, 6th C Main, 13th Cross, HAL II Stage, Indranagar, Bangalore 560008 (Karnataka), India E-mail: infobangalore@apins.coinfobangalore@apins.co