Bajoria Enterprises Limited

Various Insurance Solutions can be arranged by us through Direct Broking for Corporates and or Individuals with the Insurers for your Life/Operations/Assets/Liabilities - for any type of financial losses that could be insured in the Indian Market. (Wherever necessary International support could be procured through Reinsurance)

Managing your portfolio’s risk is far from simple. In today’s times, risk managers face exposures that have exponentially increased. Electing to use the insurance budget to buy lower policy coverage for all risks, or leaving some risks uncovered in order to have high limits on the most likely risks of loss, is just one of the many decisions risk managers must make.

Managing risks optimally is a guarantee from Heritage. You can rest. Assured. Our portfolio risk management solutions help businesses insure consistent customer treatment at all customer touchpoints through the application of business criteria and predictive analytics.

Our Risk Management plans have been especially devised to help your business weather any eventualities. SARS, Wildfires, Floods and Power failures… any contingency that may strike you anytime, we will step in and help you overcome your losses. Specially geared to manage risks, Heritage helps to keep your business operating on an even keel at all times. It advises you on how to deal with crises, should they arise, handle staff and customer reactions and avert any potential detriment, if required

Effective risk management typically involves the application of pre and postloss mitigation techniques combined with varying levels of insurance. In some cases, the decision to transfer risk is driven by competitive pricing or by the desire to eliminate surprises and fluctuations in cost. Well-structured insurance programs typically allow an organization to retain the costs of predictable everyday risk while transferring exposures of a catastrophic nature.

As business continues to evolve in ways we could only dream of a few years ago, it becomes more and more important for organizations to partner with professionals who not only know the issues of today but also can further anticipate the issues of tomorrow.

The team at Heritage, comprising of industry and insurance stalwarts, work together with client companies to construct proactive programs of protection that are geared to support that organization's strategic business objectives.

We are in constant touch with Reinsurers and also travel extensively to all the regions and cities where there are Reinsurers thus get a first hand knowledge of the market- of the capacities and in-depth knowledge of the market trends.

Our meetings with various Ceding companies has helped us to get more knowledge of their individual portfolios and gain their confidence.
We are ready to harness this skill and knowledge to understand your business plans and provide effective reinsurance arrangements to support it with.
We can also leverage these relationships and updated information to arrange for Lead Terms for both Proportional and Non Proportional Treaties.

With the understanding of the growing and changing needs of the Insurance industry/field we have now reached a position where we can arrange Lead Terms for not only the Traditional treaties that Insurance Companies have had over the years but also when there is a need for additional and sudden capacity such as a Back up Cover for CAT risks., specific portfolio treaties which can create additional capacities.

We strive to ensure that the placements routed through us are with recognized and standard securities in the international market.

Our exposure following dealings with Insurance Companies all over Middle East and the Indian subcontinent as well as Far Eastern countries gives us an insight into various practices and requirements to come up suggestions/modification of RI programs.

We believe in focused and single-minded commitment to our clients and ensure transparent and dedicated servicing of business. We would like to ensure that we are there for you throughout the period of the contract- be it in claims servicing, delivering documents, providing replies to inquiries and resolving issues if any without any hardship for the Cedants/clients.