Who is accountable for this advice
Advisors
Guidance on this site is written and reviewed by named advisors, not by an anonymous desk. Insurance decisions carry real financial consequences, so you should know who stands behind the advice.
Parul Bhargava
Founder and Principal Advisor · advising since 2004
Parul Bhargava founded Rakshit Financial Services in Udaipur in 2004 and has spent 22 years advising Indian businesses and families on what to insure and how. The practice is independent: it compares cover and wording across India's insurers rather than representing one, and it is paid by the insurer rather than by the client. Most of the work is commercial lines for manufacturing, marine and industrial clients across Rajasthan and India, and standing with them when a claim is disputed.
Lines handled personally: Fire and allied perils · Business interruption · Marine cargo and inland transit · Workmen compensation and employee benefits · Liability and engineering cover · Claims advocacy
Reference pages Parul reviews
- Claim settlement ratio of every Indian insurer
- Solvency ratio of every Indian insurer
- Insurance complaints by insurer
- Incurred claim ratio of health insurers
- General insurance market share by insurer
- What the Insurance Ombudsman actually does
- ITC A, B and C marine cargo clauses compared
- The agreed bank clause, explained
- Comparing policy wordings
- Claim letters that get answered
- India insurance statistics
- Glossary of insurance terms
- IDV calculator
- Sum insured calculator
- Workmen's compensation calculator
- Marine cargo insurance calculator
Recent notes by Parul Bhargava
- Why Indian fire claims are often reduced by the average clause 2026-10-26
- How to claim on a contractors all risk policy 2026-10-22
- Business interruption cover for a Rajasthan factory 2026-10-02
- Why hotel insurance costs what it does 2026-09-30
- How a surveyor assesses a commercial claim 2026-09-28
- Stock insurance for textile traders in Rajasthan 2026-09-26
- What underwriters look at in a warehouse risk 2026-09-24
- Document a stock loss for your insurer in a way that forces a fair settlement 2026-09-22
- Insurance for granite exporters in Rajasthan 2026-09-20
- How deductibles and excess reduce your premium 2026-09-18
- How to React When Your Insurance Claim Is Rejected and Protect Your Rights 2026-09-16
- Workmen compensation for quarry workers in Rajasthan 2026-09-14
- Why liability limits change the premium so much 2026-09-12
- How to file a public liability claim 2026-09-10
- Hotel insurance for resorts in Udaipur and Jaipur 2026-09-08