Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as thepremium. Insurance companies invest the funds securely, so it can grow, and pay outwhen there’s a claim. All of us wish to achieve financial freedom at some point in our life, and when it comes to doing that, we tend to believe that savings are enough to be financially stable. But, if you look at life from a practical perspective, you would understand that savings alone are not enough to achieve financial freedom; insuring your assets with general insurance policies is equally important.
Risk Management helps an organization to identify, evaluate, analyze, monitor, and mitigate the risks that threaten the achievement of the organization’s strategic objectives in a disciplined and systematic way. Risk management is intentionally proactive, not reactive.
We provide risk identification, assessment and control through Risk Management & Risk Solutions in the field of safety, health and insurance support.
These value added services help us and our clients in identifying and quantifying the risks, initiating appropriate risk mitigation measures and using insurance as a risk transfer tool.
We provide customized solutions encompassing Insurance as well as Risk Consulting Services in Property, Projects, Marine and Miscellaneous products.
Insurance portfolio management is a thorough understanding of risk and the instruments that are available to reduce the likelihood and magnitude of catastrophic losses. The combination of new engineering knowledge, advances in loss modeling, and innovations in the insurance and financial industries, have increased the effectiveness in managing catastrophe risk significantly, quantification of the contributing losses and their associated uncertainties.
We offer expert portfolio management services, where by we ensure that all the insurance needs of the client are properly satisfied.
Ensure proper balance to bring in expertise of various insurance companies in their respective fields. Customize insurance products as per the client’s requirement and make sure that the same is accepted by the underwriters.
Design new products after understanding clients business which makes sure there is no gap between clients’ expectations and the end result.
Secures family’s dreams
Policy valid for specific term
No surrender values
Long term wealth creation
Investment + Insurance Product
Flexible as per risk appetite
Low risk plan
Insurance + Saving Product
Assured bonus + Compounding returns
Improved maturity benefit
Insurance+ periodic returns
Short term wealth creation
Risk free returns
Whole life coverage
Maturity age till 100 years
Guaranteed sum assured
Financial support for future
Collateral for educational loan
Post retirement corpus
Annual/One -time payout
Payout after 60 years
Fund value paid after maturity edge
It requires an expertise in managing insurance of fleet which includes private cars, commercial vehicles, premium cars and other miscellaneous vehicles. Vehicle insurance has to comply with Indian Motor Act which makes it compulsory to ensure all vehicles for third party. Our team studies the overall fleet of our clients and offers customised package that takes care of regulatory and business requirements of our clients.
With the growing pressure of stringent legal framework, it is important to study various liabilities. Ourteam analyses the clients business and offers overall package comprising of various products which take care of exposure to potential liability of our clients. Liability insurance comprises of:
In current scenario, Employee Benefit Schemes play very important role in organisation's growth. It is very important to have balanced approach between coverage and cost of Employee Benefits. We specialize in designing optimum coverage for organisations based on their size and nature of Business. Employee Benefit Schemes broadly covers following products.
We offer comprehensive solution to your project risk starting from storage until it is handed over to the concerned party. Diversified projects are increasing in leaps and bounds so are the associated project risks. In this scenario, we take care of you throughout all the stages with the following insurance policies:
We expertise in commercial lines of insurance. After thorough study of each clients insurance requirement, we offer a composite insurance package which takes care of all their insurance related needs as well as compliance with various regulatory requirements. We offer the following industrial insurances.
Marine insurance is very dynamic and requires thorough knowledge about clients business to ensure proper coverage. Our team has expertise in marine insurance through which we are capable of designing customised coverage across the globe as perourclients requirement.
Credit insurance is the insurance of trade receivables. It is an evolving subject and new products are introduced by insurance companies to take care of financial insurance. Our team studies the business pattern of the client and offers optimum coverage to ensure that our client is protected from potential financial risks.
Sometimes the standard products do not cover risk exposure completely. In such scenario, we design special packages which ensure comprehensive coverage. Some of the examples are:
Operational Toll-Road Insurance Package
Comprehensive Crime Insurance Coverage
Insurance Package for Product Promotions
At Essen Capital Growth, we believe in offering innovative and relevant insurance solutions in the retail and commercial space. We aim at easing the burden that arranging insurance or financial planning can bring.
We pride ourselves on our personal approach, providing a dedicated contact to review your situation and provide continuous expert advice for your business or personal needs.
We encourage prudency in writing business and claim settlement with insurers.
We support fair business ethics and value with 100% transparency. We believe in customizing insurance solutions as per our clients need rather than providing standard solutions/products.
Offering an exhaustive and customized basket of insurance products backed by expertise and an unparalleled claims service.
Our extensive relationship with every insurer provides us a radical advantage to serve customer with right price and right coverage through a right insurer.
We take claim as an opportunity to ensure trust of our customers. Our Claim Management has been supported by specialised team of experts who provide their domain knowledge and solution.
To ensure customer satisfaction, it requires an understanding of each clients' business and functionality. Our dedicated team comprising of industry experts and young dynamic professionals bring domain knowledge and enthusiasm to address individual needs of our customers.
We believe the use of technology is crucial to ensure error free and efficient customer service. Considering this, we have developed state of the art applications which ensure that our clients are able to keep all the information about their insurance portfolio on their finger tips.