Business insurance is often bought as a renewal habit rather than managed as a risk programme. PJRJ provides management consulting on commercial insurance — mapping operational and balance-sheet risks, reviewing coverage gaps against assets and contracts, and preparing claim-ready documentation with your licensed broker or insurer. We are not an insurance company or insurance intermediary; we do not sell policies or earn brokerage.
Who it's for
- Manufacturers, traders, and service companies renewing fire, marine, liability, or key-person covers
- Boards wanting an independent coverage-gap review before premium negotiations
- Finance teams aligning fixed assets, stock, and contracts with sum-insured schedules
- Businesses preparing claim documentation packs after loss events
Deliverables
- Risk and cover map — assets, stock, business interruption, liability, and people risks
- Coverage-gap memo versus books, FAR, contracts, and lease obligations
- Sum-insured and schedule hygiene checklist for broker discussions
- Claim documentation readiness pack — books extracts, asset evidence, and chronology support
- Board briefing on residual risk and recommended management actions
Our approach
- 1Understand operations, locations, asset base, and current policy schedule
- 2Reconcile covers to FAR, stock, contracts, and key people exposures
- 3Flag gaps and overlaps for discussion with your licensed broker or insurer
- 4Support documentation for renewals or claims without stepping into intermediary roles
- 5Close with a management action list and renewal calendar
We consult on what the business needs to protect and what the books support — then you buy or renew through licensed channels. That keeps the engagement as management consulting, not an insurance sales desk.
Business insurance consulting is delivered from Delhi and Gurgaon with remote support for multi-location Indian groups.
Discuss your business insurance consulting requirements
Speak directly with a PJRJ specialist — we respond within one business day.