SANYOG INSURANCE BROKERS INDIA PRIVATE LIMITED

Corporate

Energy Energy has been recognized as the leading growth sector for India. Each project is unique and can be financially complex, region-specific, and comprises of trans-national stakeholders. Starting with review of the contracts between the principal and the contractors for reviewing insurable interest and defining responsibilities of Insurance responsibilities, our involvement also extended to data-driven risk evaluation; continuing with fact-based risk advice; culminating in the intelligent design and execution of insurance and risk management programs, we deliver customized and innovative solutions that have measurable and positive impact on our clients’ business. Sanyog’s Energy practice is committed to providing a broad range of risk advisory and insurance syndication solutions for any company or stakeholders involved in the construction or infrastructure sectors. The Energy specialty provides the highest level of service to this sector and related service industries. We service clients from: Oil Companies- Production & Exploration Renewable Energy & Energy Efficiency Mining How do we do it? Our team can promote risk advisory, project management and insurance/reinsurance syndication for all Energy, related clients and projects. Our expertise is in supporting clients in: Traditional energy producing establishments Renewable Energy & Energy Efficiency Power & Utility Waste & Water treatment Upstream (exploration/production)

What is Multinational Client Business coverage? When a business operates in more than two countries, there is a lot that it can benefit from a partner who can provide multinational solutions that include knowledge of local markets, regulations, practices, tax concerns, coverage requirements, and exposures. Multinational Client Business coverage responds to clients’ risk transfer and risk retention needs and help them grow despite the various global exposures. How do we do it? We have a dedicated team that has expertise in servicing Multi-National Clients. Our team of experts can serve international clients with risks in India helping them adhere to global risk management practices. We ensure execution of global programs, adherence to globally defined service standards, and provide regular feedback to global risk managers. For Indian companies with risks abroad, we develop, execute, and manage their risk management programs from India and enable placement of insurance in the respective countries outside India. Our model is founded on the principle of putting our clients first. We take the time to understand client’s international business philosophy and profile to proactively identify and evaluate global risk exposures. With this insight, we design a global program tailored to client’s risks that is cost-effective, compliant, and administratively efficient.

What is reinsurance? Reinsurance is a financial transaction by which risk is transferred (ceded) from an insurance company (cedant) to a reinsurance company (reinsurer) in exchange of a payment (reinsurance premium). How do we do it? Sanyog’s team of reinsurance experts assist you in reinsurance programs and provide access to analytical, facultative and treaty solutions by: Transferring risks and protect balance sheet Reduce earnings volatility Make better use of capital Need for Reinsurance Reinsures helps insurers to manage their risks by absorbing some their losses and reinsurance stabilizes insurance company results and enables growth The benefits of reinsurance solutions are as follows: Reduced/Control catastrophe exposure Earnings protection Capital efficiency Solvency management De-risking generally Risk capital Stabilization of loss experience What can Sanyog do? Sanyog provides Facultative and Treaty reinsurance: Facultative Reinsurance With specialist facultative teams and deep understanding of various business, Anviti provides customized facultative solutions for Accident, Health & Life, Aviation, Marine, P&C products in personal and commercial lines and access to the global facultative markets. Treaty Reinsurance Treaty team addresses the underwriting & capital objectives on a portfolio level.

What is an Affinity program? In the world of insurance, Affinity is an emerging concept that has gained importance in the global emerging insurance industry in search of new channels of distribution. An Affinity program is created by using the purchasing power of a group of people who have common interests to create a scheme that is related to the shared interest to add value to both the members and organizers of the group. How do we do it? At Sanyog, our affinity model has been created for organizations that wish to sell insurance alongside their main activities and understand that insurance is not just increasing revenue but about creating a long-term relationship with their customers and providing more value.

What does the Health and Benefits solutions cover? Health and Benefits insurance solutions provide financial protection to the covered group, by covering the cost of an insured individual's medical and surgical expenses during hospitalization and addresses the financial impact on them due to an un-foreseen eventuality like death or disability as well. The scope also extends to solutions that help employers plan insured solutions for service defined benefits like gratuity or retirement products like superannuation. Plans are designed keeping the organization philosophy, employee needs, market practice and other aspects in mind to ensure sustainability and long-term cost efficiency.