Delivering Value.Ensuring Future.

To provide professional Risk management services with integrity and stability.

To reach out to the clients in B & C grade cities imparting seamless

service through combination of dedicated manpower and user-friendly online interface.

To LEAD each of our clients towards a safe ENSURED FUTURE

VISION

MISSION

LEADS Insurance Brokers Pvt. Ltd. is a professional

service organization led by bright young professionals

from the insurance industry. In a short span of time the

company has reached out to an array of clients in

diversified fields. Leads strives to bring world class Risk

Management and Insurance Planning Services to clients’

doorstep through dedicated manpower and user-

friendly online interface.

Our organizational structure is flat: we have started as a

progressive and an uncomplicated company. This is the

value preposition for our clients because it means we can

be nimble and respond fast to their needs, very often pull

off the unexpected to secure hard-to-place coverage,

negotiate a better rate or develop a better-fit program.

Risk management without passion, innovation and

accountability is just “buying insurance".

Integrity

Agility

Excellence

• To conduct ourselves in a manner above reproach.

• To approach all business dealings in a fair and

equitable manner.

• To treat others as we wish to be treated.

• To actively listen and respond promptly to the needs of

our customers

• To proactively seek opportunities designed to enhance

the value of our company.

• To achieve our objectives through immaculate

execution and a focus on results.

• To continue to be a learning organization, create an

environment that encourages growth, sharing of

intellectual capital and development.

• To foster a “can do” attitude.

Valuesthat define our character

Strength of Knowledge

Strength of Service

Strength of Execution

• Knowledge of all insurance products and services

• Understanding specific needs

• Ability to evaluate coverage needs

• Our objective evaluations of underwriters (Insurance Companies)

• Creative risk management advice

• Working in the customer's best interest

• Coordination of our product specialists with the clients

• Frequent visits and follow-up

• Effective support and management of customer relationships

• Overall customer service website satisfaction

• Ability to secure best pricing

• Optimized coverage

• Effective Policy Management

• In-time co-ordination of claims processing

Strengthsthat set us apart

Services @ Leads

Risk Management &Insurance Planning

Services

Inspection andValuation Services

Loss Control Services

Introspect

Claims Management Services

iMANAGE - Policy Management Services

Policy Evaluation & Design

LitigationServices

Insurance Broking Services

Services & Solutions

OVERVIEW

Leads insurance brokers Pvt. Ltd. provides Risk management,

Insurance Planning and Insurance Broking services. Being an

insurance broker we have a fiduciary duty to act in the best

interests of the customer and provide sound, practical, and

well researched advice which is independent of any insurance

company's influence. We provide highly professional services

to every client - whether they are a small establishments or a

large manufacturing corporation.

Our expertise lies in providing tailor-made policies as well as

specialty lines insurance policies for both life and General

insurance. We have a team of dedicated back-office resources

and claim professionals who closely follow the renewals and

claims.

We carefully match the experience and specialty of our

employees with your specific needs. Creative solutions are

devised by exposing potential and current risks. This analysis

allows us to allocate resources and experience to accomplish

your most challenging objectives.

Customized Services and Solutions for Your Specific Needs

An insurance portfolio is derived from an organization's risk management process

and the decision about which risks, and how much of each, to transfer to an

insurance underwriter.

As your insurance broker, LEADS provides risk management solutions to help you

identify and quantify your risks so that you can ultimately make critical decisions

about dealing with them. We can then move to the next step of rationalizing your

insurance portfolio to ensure your exposures are covered adequately.

Risk management solutions can be provided on a long-term basis to ensure you are

protected against losses as your business evolves and new risks emerge.

There are several risks that affect your business which needs to be measured for

objective risk present. Once the sources of risk are identified and measured, a

decision can be made in consultation with us as to how the risk should be handled.

After which strict control and regular review shall be observed by us so that the Risk

management program is implemented and correctly practiced.

The Methodology

Risk Management Process

Risk Identification

Risk Evaluation & Analysis

Select Risk Management Techniques

Manage & Review

Implementation

Every organization is exposed to various risks. While many of them

are pure risks like fire, explosion, chemical release etc., some of them

are speculative. Pure risks are handled as operational and safety

issues by professionals and finance personnel have to address the

risks arising out of failure of above operational and safety measures.

Together they need to ensure that the organization is able to

withstand any risks or failure of systems and can continue its

operations without much struggle. The Risk Management and

Insurance Planning is required for any organization to review their

risk management strategies and to opt for risk transfer measures like

availing insurance cover etc. A systematic approach is required for the

identification and evaluation of loss exposures faced by an

organization and for the selection and administration of the most

appropriate techniques for treating such exposures.

Service deliverables under risk management and insurance planning

services can be categorized broadly in two parts.

1. INTROSPECT

2. Loss Control Services

Risk Managementand Insurance PlanningServices

Risk Identification

and Control Measures

• Identification of all major internal and external pure risks including the natural risks and analysis of the impact of these risks

• Review of existing risk control measures and offering comments

Insurance Concept

and Practice

• Scrutiny of all existing major insurance policies

• Rationalization of basic rate of premium and widening of covers

• Applicability / eligibility of discounts in premium

• Application of suitable clauses, warranties and conditions

• Selection of insurance coverage on the basis of risk analysis

Documentations

and Procedures• Providing guidelines on documentation requirements, procedures for claims under various policies

INTROSPECT @ LEADS performs an unbiased study on technical risk management

measures adopted and insurance practices followed, which will help the

management of the organization to manage the risk effectively and profitably.

Broadly this Risk Management study is conducted with the following objectives

• To carry out a systematic, critical appraisal of all potential risks involving

personnel, plant, services and operations (risk identification, assessment and

control) and

• To review the insurance coverage and to identify areas of coverage to optimize the

risk exposure

Objectives

The scope of the study will include the following:

Introspect@Leads

Accidents and avoidable incidents that and assessing compliance with established

result in financial loss can pose a standards. The main elements of an audit are

tremendous risk to the future of your identification and assessment of hazards as

business or organization. This means lost well as suitable recommendations of

time, damaged property, diversion of minimization and/or elimination.

resources, and possible legal and medical

expenses that can place a huge burden on

your business.Fire Hazard Audit is a systematic, critical

appraisal of all potential hazards involving The Loss Control specialists at LEADS can personnel, plant, services and operation help prevent these costly accidents and method. It ensures that existing Fire Safety losses. Whatever the size of your company

management system fully satisfies the legal or scope of your operations, we can help

requirements and those of the company's strengthen your safety and risk

written safety policies, objectives and management programs with proven

program as well as relevant codes /standards. services that prepare you to protect lives

and safeguard assets.

Areas of expertise Hazard & Operability study (HAZOP) is the

application of a formal, systematic and critical

examination of the process and engineering

intentions of a process design. The potential Safety Audit is a management tool for hazard is assessed and malfunction of comprising of a systematic, periodic and individual items of equipment and the objective evaluation of how well the

consequences of the whole system are safety organization, management and

identified. HAZOP study is recommended equipment are performing, with the aim of

during or after the detailed design stage of a helping to safeguard a company's assets

plant and can be carried on plants being set by facilitating management control of

up as well as on operating plants.safety, health and environmental practices

• Fire Hazard Audit

• HAZOP Studies

• Safety Audit

Loss Control Services

Our Engineers conduct inspections of insured premises for risk evaluation and

come out with a report along with recommendations for Retention,

Minimization and Transfer of risk.

We also arrange for valuation by third party qualified experienced professional

risk managers and government registered valuers.

Inspection and Valuation Services

Risk InspectionProcess

ValuationProcess

Collection ofdata/Information

Arrange for Valueras per requirement

Reporting

Reporting

Data Colleationand Evaluation

Site Visitand Survey

Collection ofdata/Information

LEADS Insurance Brokers Pvt. Ltd. offers expansive solutions designed to promote

your organization's Risk Management objectives. With our innovative approach,

substantial capabilities and broad access to the marketplace, we have the

flexibility and resources to implement effective strategies for your insurance needs.

We have a team of professionals accountable for the design, implementation and

administration of your comprehensive insurance program.

Our commitment to the principles of insurance management is reflected in our

menu of capabilities designed to assist you in controlling the costs.

We are sensitive to cost variables that may affect your profit margins. Being advised

well in advance enables you to price future products and services to reflect

competitive advantages.

Service deliverables under insurance broking services can be categorized broadly

in four parts.

Focused Accountability

Cost Containment

Industry Insight

Insurance Broking Services

Policy Evaluation& Design

Claims MangementServices

INSURANCE BROKINGSERVICES iManageLitigation

Services

Policy Evaluation & Design

Risk Profiling

Quotation Evaluation and Recommendation

Policy Analysis

Policy Placement

Portfolio Rationalization

Policy Scrutiny

RFQ Generation & Negotiation

We negotiate aggressively on your behalf for

comprehensive coverage and value-based rates. We We begin the Policy Evaluation Process with

formulate innovative coverage for our clients using thorough Gap Analysis. We conduct risk profiling,

our technical skills, creativity, and negotiating power which entails cataloguing and mapping your

with insurance underwriters.company's business processes and identify areas

of loss exposure. We then map these exposures

against your existing insurance coverage to We return to the client equipped with pre-evaluated

identify gaps where your existing coverage may quotations and recommendations. The client can then

not adequately protect all your risks.consider the recommendation and make a final

decision, always having the option of asking for

another round of negotiation on terms and rates.As we analyse individual policies, we determine

whether necessary clauses and the appropriate

valuation methods that protect your interests fully When the decision is finally made to place the policy

have been correctly applied or not. with an insurer, LEADS submits all relevant documents

and the premium cheque on your behalf and follows

up to ensure you receive the cover note and/or policy We demonstrate our technical expertise by

within a reasonable period of time.rationalizing your insurance portfolio so that you

can be adequately covered for all areas of risks.

Our market intelligence expertise enables us to Policy scrutiny is necessary to ensure that the policy

identify the most suitable insurance products and issued to you adheres to the proposal form sent to the

the most capable underwriter to protect your underwriter. Careless and unnoticed omissions which

interests.can easily occur in a lengthy document could

jeopardize your right to claim indemnity. All our

clients' policies are scrutinized against a When we request for quotation from insurers, we

comprehensive checklist to ensure that every detail is do so keeping in mind each insurer's strengths in

correct and every clause is included. Only then do we coverage and service. Thus, we solicit quotations

forward the policy to you.only from the strongest insurance underwriters

who will be able to deliver on their commitment

to our clients.

Leads in its endeavour to provide superior customer service has developed an innovative web

solution that will enable customers to manage all their insurance needs online. iManage provides

real-time 24x7 access to customer specific information and database. iManage is an online

replication of the client's insurance department which will help him cut cost, reduce management

time and increase efficiency of the overall policy management process.

The scope of iManage includes the following modules:

• Real time policy upload, download and updation facility

• Real time access to portfolio report

• Policy renewal status and report

• Renewal reminders vide e-mail and SMS

• Real-time claim intimation, claim status and claim report

• Claim documents upload facility

• Online updation of fire and marine declarations

• Declaration Report

• New Quote Request

• Quote status

• New Endorsement request

• Endorsement status and download

Portfolio Development

Renewal Management

Claims Management

Declaration Management

Quote Management

Endorsement Management

iManage – Policy Management Services

Our claims management professionals work closely with insurance companies on a daily

basis, in order to guide you through complicated claim issues. We act as your advocate in

managing the claims process. We go beyond claim reporting. When you experience a loss,

you can expect us to assist you throughout the process. Our claim professionals are

dedicated to providing superior first report management and claim status communication.

• Strongly advocate for you

• Evaluate your specific needs

• Develop an effective claims management program with a potent online interface

• Implement programs and procedures in partnership with you and the claims

administrator

• Monitor the success of the program through claims activities and results to fuel improved

performance

Through our claims service process, we:

Claims Management Services

• Loss Notification• Survayor Management

ClaimIntimation

• Claim Tracking• Documentation

ClaimFollow-up

• Claim Filing • Claim Review

ClaimSettlement

Online Claims Management Dashboard

Claim FilingClaim Follow-upClaim Reporting

• Online Intimation • Claim Report• Real-time claim status• Claim Aging

Leads not only provides claims management services

but also extends litigation support if needed. In the

event of a dispute with insurance company subsequent

to denial or unsatisfactory claim settlement which

requires legal redressal, our team will handle the case in

all forums such as Arbitrations/ombudsman, Consumer

Courts and Civil Courts. We have lawyers on our panel

who have extensive experience of handling insurance

claims.

• Studying the insurance policy document and

contract conditions.

• Studying claim documents, Surveyor's assessment

reports and insurer's settlement offer and identifying

the issues of disputes.

• Researching various relevant case laws

• Conducting meetings with our Associate Lawyers or

the Clients' lawyer (in the event the client wishes to

appoint his own counsel)

• Preparing the legal briefs for the matter

• Attending the arbitration / court proceedings and

assisting the counsel during the same.

Our Litigation services include

Litigation Services

How We Get Paid

We take pride in the services we provide to you for insurance and risk

management programs. For our efforts we are remunerated in two ways;

primarily in the form of commission by the insurers and in some cases by the

fees paid by you.

The means by which we are compensated are described below:

Commission, normally calculated as a percentage of the premium paid to the

insurer for a specific type of policy is paid to us by the insurer to distribute and

service your insurance policy. Please note that our commission is included in the

premium paid by you and our involvement does not in any way affect your cost

of insurance.

Occasionally, with more complex insurance programs and where additional

resources, products or services are utilized, a fee may be negotiated for

additional services. In certain circumstances you pay us mutually agreed-upon

fees for services such as Risk Assessment Surveys, Valuation services, Risk

management Seminars and/or loss control services that we provide. For any

such fees for add-on services a prior written approval from you shall be sought

and service parameters clearly outlined in the agreement.

Commission income

Fees paid by Clients

` `

Leads Insurance Brokers Pvt. Ltd.Reg. Office : 92, Kunwar Complex, Near ICICI Bank, Civil Lines, Bareilly (U.P)-243001 TeleFax : +91 581 2510467

Corporate Office : NH-2, First Floor, C Block, Community Centre, Naraina Vihar, New Delhi-110028 (INDIA)

TeleFax : +91 11 25777697 E : info@ensuredfuture.co.in www.ensuredfuture.co.in