A FUNDAMENTALLYFUNDAMENTALLYFUNDAMENTALLYFUNDAMENTALLY

DIFFERENTDIFFERENTDIFFERENTDIFFERENT APPROACH

In 2003, we launched Aastha Insurance Brokers inrecognition that the brokerage firms in the riskmarket were taking their clients for granted. Wenoted clients were increasingly unable to find crediblerisk analysis, useful advice, and quality service with anylevel of consistency.

At Aastha, we’ve developed a fundamentally differentapproach to broking complex risk. We combine technical

It is clear Aastha is filling a need. Our client retention islikewise well beyond competitor levels. Our ability todeliver results has been widely recognized. We havereceived accolades for quality service, technicalexpertise, and execution skills from client forums.

Our performance has established a solid financialfoundation, assuring the funding to continue expansionof high performing capabilities well into the future.approach to broking complex risk. We combine technical

expertise, an emphasis on analytics, and a collaborativebusiness model to deliver truly customized solutions.

Our specialist approach is of optimal value to clients withsome of the most difficult exposures. But Aastha’sculture is what really sets us apart. We practice ourvalues of Clients First, Passion for our work, Openness,Respect, and Collaboration at all times.

Our employees have each made their mark by beingamong the industry’s best in their areas of expertise. Theorganization supports that expertise with a talent foranalytics and technology and with a platform thatrewards collaboration across the entire organization —we make sure our clients get the best we collectivelyhave to offer.

of high performing capabilities well into the future.

On a personal note, I want to express my thanks andgratitude to every client who has supported Aastha. Youhave my commitment, and that of my colleagues, thatwe will continue to provide the extraordinarily high levelof service that helps set Aastha apart and that you havecome to expect of us.

We focus on two things: complex risk and ourclients. That’s it.

We then continue to set ourselves apart by taking thetime to get to know our clients inside and out.Accordingly, we know exactly what questions to ask,what numbers to crunch, how to develop the rightrisk profile, and how to present our clients’ risk to themarket. Then, we partner with our clients to createthe right coverage for their distinct risk profiles.

Aastha combines the experience, depth, andresources of a large firm with the prioritized attentionand agility of a small one. With each assignment, ourteam becomes our client’s team.

Focus : Clear focus on servicing clients with complexrisks.

Approach : Quantitative approach to solutiondevelopment through analytical modeling.

Quality : Client service that sets the standard asrecognized by industry awards, client tributes, and thehighest client loyalty rates in the business (over 98%).

People : Integrated, multi-disciplinary teams of provenprofessionals.

Structure : Flat, nimble organization, built to deliver thebest resources regardless of geography.

Technology : We are developing leading edge capabilitiesdesigned to deliver fast, efficient, and collaborative clientservice.

Superior client service : Our clients come first, always.

Effective decision making : Robust decision-supporttools produce the most favorable results.

Program optimization/cost reduction : A sharper focuson coverage needs lowers the total cost of risk.

At Aastha we help our clients obtain the right insurance product

for their business, at the right price. We do this by following

three simple steps:

Understand Your Business.Every company operates in its own unique environment, with its

own specific risks. While every business might be vulnerable to

fire and theft, for some Product Recall may be a major concern,

for others Business Travel and for others still, Goods in Transit.

We assess what you do and recommend only those insurance

components that are appropriate in order to protect your

business.

Expert advice on managing your risks .Expert advice on managing your risks .We discuss the areas in which your business may be vulnerable

and make suggestions on ways in which you can reduce the

chance of a claim. By making your business safer you are

reducing the chances of having a claim and this helps us to keep

your premiums as low as possible.

Approach insurers and secure best deal for the coveryou require.Over many years we have developed high-level contacts across

the insurance industry, allowing us to negotiate the best

available deal on your behalf. Technical expertise through 100+

man years of industry experience gives us an edge to obtain the

best available solution.

Aastha’s culture is centered on the seriousness with which we

approach our core values: Clients first; Passion for what we

do; Collaboration and Openness for optimal results; Respect

for clients, colleagues and the market; and Excellence in

everything we undertake.

Aastha has had the advantage of hand-picking our colleagues.

We think experience counts, and our professional

backgrounds reflect that. Our employees have, on average,

more experience in complex risk than any other insurance

brokerage firm operating today. Our colleagues rich

experiences, and our open, collaborative model allows us to

share the most valuable aspects of those experiences for the

mutual benefit of our clients and our firm.

We have assembled a highly respected and experienced team

of individual experts.

Clients First

Our clients are our number one priority—their interests

always come first.

Collaboration

Securing insurance for our clients requires a trust-based

partnership among our client, our executive broking team,

and the insurance market. Through this collaboration, our

clients receive superior insurance products and service.

Openness

Everything we do at Aastha stands the light of day, from

full disclosure of our income sources to the way we share

information to enhance knowledge and performance.

Respect

We have deep respect for our clients, colleagues, and the

insurance markets.

Passion

We are passionate about risk management and insurance

because we’re passionate about our clients’ businesses.

Excellence

We strive for excellence in all aspects of our business:

service, process, and technology.

Mr. Divakar A. Rao - CMD & Principal Officer

B.Com | L.L.B.

An ardent professional and a law graduate by

qualification. He has over 4 decades of rich experience in

the insurance industry. He has worked in various

capacities at United India Insurance Co. Ltd. His expertise

lies in Risk Management and Claims Scrutiny.

Ms. Snehbala Singhi – Director

A.C.I.I. | M.A. | B.Ed. | B.Sc.

Started her career in 1969 as an Inspector with Indian

Trade General Insurance Co. Ltd. Worked with United

India Insurance Co. Ltd. for 32 years including 10 years as

Divisional Manager. She steers the marketing activities of

the company.the company.

Dr. Mrs. Snehlata D. Rao – Director

M.B.B.S.

Doctor by profession and a General Practitioner since

1966, Dr. Rao is a panel doctor for L.I.C. Health &

Accident Insurance claims is her forte.

Corporate Office:

Ground Floor, Khatau House, Bhagoji Keer Marg,

Mahim West, Mumbai – 400 016.

Phone Nos.:

91 (22) 6663 5296

Fax Nos. :

91 (22) 6663 5297

Website:Website:

www.aasthainsurance.com

Email ID:

aasthainsurance@hotmail.com

aastha9ins@rediffmail.com

aastha9ins@hotmail.com

Social Networking –

To learn more about how Aastha can help you manage your

complex risk, contact us today.