Our Services

Who is an insurance Broker?

If you feel the business is too complicated and you need a specialist to take care of your insurance requirements as a “Single point of contact”, you certainly need an insurance broker in your list of “consultants”. Your Broker takes care ofall your insurance requirements starting from “Need Analysis” to throughout the year servicing. 

By appointing us as your broker, we will take up the following functions:-

1. Do a free “Insurance Audit” to find out gaps in your existing insurance program and get the possible corrections done
2. Take over any claims pending with insurance companies
3. Inform renewal of your insurance policies in advance
4. Seek quotations for renewal and submit to your office with our recommendations
5. Place your insurance with reputable insurance companies
6. Throughout the year managing the insurance like endorsements, claims, any new businesses, changes in existing businesses
7. Mid-year review to ensure all insurances are in order
8. Arrange Risk Surveys whenever required

If you are looking for a reliable broker with a team of skilled and experienced workforce, you are at the right place. With “affinite” on your side, you can focus on your core business as we take care of your insurance.

Call us on xxxxxxxx to fix a meeting or to know more about the proposition.

Are you worried that your insurance is not proper or are you facing challenges every time there is a claim to get the full claim amount?

Major challenges faced during claims are:-

1. No Insurance Coverage at all i.e. a “miss”
2. Insurance policy expired
3. Mid-year changes in business not incorporated in insurance policy resulting in “No Coverage”
4. Drastic reduction of claim amount due to “Underinsurance”
5. Insurance company applying hidden clauses to “Deny” or “Underpay the claim” and many others reasons which are leading to customer dissatisfaction.

If the answer to this question is “Yes”, then you need to get your “Insurance Audit” done. By getting this study done by a professional, you can ensure to a great extent you are properly insured and any corrections can be done “Now” rather than discovering it in the event of a claim. We at “affinite” have a team of specialists with decades of experience in “Insurance Audit” and “Gap Analysis” and we just a call away!

In some corporates, Insurance Audit is an on-going activity. Naturally, by getting the study done by an independent professional, you can be sure of total transparency as we will look at the insurance program with a “neutral eye” !

If you are keen to know more about this or want to fix a meeting, call us on xxxxxxxx

Are you an organization, which believes in total transparency when it comes to inviting tenders for your insurance program? And in this process do you always feel there could be someone who could guide you on betterment of coverage and preparation of tender documents?

If the answer to above questions is “yes”, then you need a specialist. Despite ever changing business environment and increasing pressure on costs, the coverage in your insurance can not be compromised. The tender document needs to be carefully articulated to cover all your risks and at the same time cost effectively placed with a reputed Insurance company, which only a specialist can do !

We at “affinite” can help you in preparing your “insurance tender” so that you get total transparency with better price from best insurance companies in Oman.

By offering our services, we achieve the following:-

1. Aligning your business risks with the insurance program by discussing with your relevant managers
2. Holding meetings with insurance company managers & your team if required
3. Wording proper insurance slips which capture all the information about the insurance policies required
4. Floating the tender to insurance companies
5. Once the quotes are received, do the technical and financial analysis and submit our report with recommendations
6. Help in placement of the insurance and receive the policies
7. Check the policies are in order and submit to your good office.

If you are keen to know more about this or want to fix a meeting, call us on xxxxxxxx

Where there is insurance, there will be claims! Unfortunately, there is an ever increasing grievance on part of the Corporates when it comes to settlement of insurance claims.

The common grievances are:-

1. Lack of empathy towards the client
2. Extraordinary delays in settlement of claims, sometimes going into years
3. Complex procedures and documentation
4. Insurance wordings used to disadvantage of the client leading to denial of claim, underpayment
5. Unfair assessment of claim
6. And numerous others..

If you are an organization which is struggling to get claims from your insurance company, you certainly need a Specialist to prepare your claim. Be it a very complex claim or a claim of any magnitude, we at “affinite” have a team of experienced claims consultants to handle it. Our job starts once a claim is reported at Intimation stage itself. Our engagement varies from handing one single claim or handling all the claims on part of the client throughout the year.

Be advised that a lot of claims are rejected due to improper intimation at first place!

You can also contact us for any unsettled insurance claim where you need support in finalizing.

If you wish to know more about this or want to fix a meeting, call us on xxxxxxxx

Very frequently we come across a situation, when we need an insurance document and almost every time we have to search for it and most of the time we are not able to trace it.

Reasons for this painful situation are very obvious:-

1. Changes in person handling the insurance documents in your office
2. Multiple departments handling respective insurances
3. Shifting of offices
4. Improper filing of insurance documents/ improper or unclear scanning
5. Losing track of documentsreceivable from insurance companies
6. Unclear job allocations leading to no one taking care of this very important aspect

Good News is that we at “affinite” specialize in professional record keeping of insurance documents.

In case you are struggling to keeping records of your insurance documents, by taking our services, you benefit the following:-

1. Anytime access to any insurance document like Policy, Debit Note, Endorsements etc.
2. Updated documentation at all times
3. Keeping track of your Group Medical / Life / WC additions/deletions documentations
4. We do the follow up on documentation with insurance companies and share the same with respective departments in your office.

If you wish to fix a call or a meeting and to understand this better, please call us on xxxxxxxxx

Are you finding it difficult / impossible to get endorsements done under your various policies?

We understand the tedious process involved in getting endorsements done and have found out the major reasons for the same:-

1. The Broker is not in business any more
2. There is a change in the person in-charge of such tasks in your office leaving a gap/vacuum
3. There is a change in insurance office
4. The endorsements are not as per the request
5. The follow up with insurance company is a never ending job and sometimes the jobs are getting fallen away
6. Time taken to receive the endorsement is very long
7. The CAR policy extension premium quoted is very high and unaffordable. You are looking for another option, which your broker is not able to give

If you are facing such problems, good news is that we “affinite” are providing this service of handling your mid-term insurance policy endorsements. By taking our services, you get the following:-

1. All mid-term request for endorsements will be technically evaluated by our specialists and request sent to respective insurance companies
2. Follow up for documents and quality check is our job
3. Proper storage of documents in soft and availability at a very short notice
4. For any CAR project needing insurance, we can try to get you an alternate quote and save you much premium.

In case you want to know further about the service or want to fix a meeting, call us on xxxxxxxx

Many a times a client is not able to get a good insurance quote as their property is not surveyed!

At a lot of times there is a loss, it is discovered that the loss could have been avoided by taking small measures, which could have been identified through a proper survey by a professional!

Risk surveys help in this regard and normally cover the following three aspects:-

1. Loss Prevention: Identity what measures can be taken to prevent certain kind of losses like fire, flood etc.
2. Loss Detection : What facilities should be there to detect the loss at the earliest stage and take immediate action
3. Loss Minimization : Presence of facilities like fire-fighting to ensure the loss is minimized once happened

In case you are a manufacturer or a business where property is involved in business, we at “affinite”cansurvey your various risks and give our technical reports with recommendations. The recommendations will include best industry practices and will help you in minimizing your known risks, and becoming aware of risks, which you are still unaware of. Secondly, the reports can also be presented at the time of inviting quotations for insurance and discount in premium can be negotiated due to improved Risk once all three aspects are carefully managed. Further, by having our Survey Report in hand, you will get access to “A’ class Insurance companies, who are good in pricing and excellent in services.

In case you have a risk to be surveyed or you want to know further, call us on xxxxxxxx

Are you an importer or an exporter who is having multiple consignments in a month?

Are you also required undercontract to get the cargo surveyed at port / arrival at your place in Oman?

If the answer to the above questions is “Yes”, then you must be feeling the need of a consultant who can supervise all your loading/unloadingin Oman.In Insurance policy, non-compliance with insurance policy conditions of survey for loading/unloading can also invalidate the claim.

We at “affinite” have a team of consultants specialized in supervising such loading/unloading at Seaport / Airport and ensure that the activity is also aligned with your insurance policies requirements. You can confidently outsource this job to us and focus on your core business activities.

By appointing us, you get the following services:-

1. Keep track of your consignments in consultation with your logistics department and arrange for survey wherever required
2. Submit reports to Insurance Companies / Other stakeholders
3. Keep your management appraised of any improvement in the process to minimize risks or improving processes
4. Representing your office to insurance company in time of a probable claim
5. Sending monthly MIS to Management in format agreed upon

In case you want to know further about the service or want to fix a meeting, call us on xxxxxxxx