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Anyone can place a policy.

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The claim is the job.

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Marine cargo.

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Inland transit.

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Fire and special perils.

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Stock and godown.

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Machinery breakdown.

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Contractors' plant.

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Workmen and personal accident.

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Business interruption.

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This is where most advisors stop. We start here — five things that decide what a claim is finally worth.

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One. We read the wording, and put it in writing. Exclusions, warranties, conditions precedent.

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Two. We review the cover before renewal, not after. Sums insured, add-ons, clauses that quietly lapsed.

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Three. We check the sum insured against today's value. Under-insure, and the average clause cuts the claim in step.

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Four. We run the claim, from intimation to payment. Surveyor, documents, the argument, the follow-up.

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Five. A rejection starts the escalation. Grievance cell, then Ombudsman — with the file to back it.

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We built our own claims desk. claimsdesk.in puts your claim on a link, at every one of five stages: intimation, surveyor, documents, offer, payment.

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Even on a policy bought somewhere else. Most advisors will only claim on what they sold. We take it either way.

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Ask us anything. We answer.

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Rakshit Financial Services. Insurance advisory. The claim is the job. IRDAI-registered advisors, across India, since 2004.