Questions Business Owners
Ask Us Most

Keyman Insurance protects a business against the financial loss caused by the death or critical illness of a key employee, promoter, or director whose skills and relationships materially drive revenue. It provides funds to cover loan covenants, recruitment costs, and business continuity during a transition. Premiums paid by the company are generally deductible as a business expense under Section 37(1) of the Income Tax Act, subject to conditions.

Yes. Group Mediclaim policies can be structured with grade-wise sum insured, family floater options, maternity benefits, and top-up covers so that different levels of your organisation receive appropriate protection within your budget.

D&O Liability is not mandatory by law for most private companies, but it is increasingly considered essential for listed companies, companies with external investors, and any board exposed to regulatory scrutiny (SEBI, MCA) or shareholder claims. Your specific risk profile is assessed before recommending cover.

Increasingly, yes — any business storing customer data, processing digital payments, or relying on cloud systems carries meaningful cyber exposure, regardless of industry classification.

Director Retirement Planning is structured through the company rather than purchased personally, using deferred compensation and corporate-owned insurance structures. This can reduce current corporate tax liability while building a director's personal retirement corpus, and integrates with succession and family wealth transfer planning.

No — the same principles of structured accumulation and succession-aligned planning apply to owner-managed SMEs, just scaled to the company's size and reserves.

A typical Corporate Insurance Audit — reviewing existing policies, coverage gaps, and premium efficiency — takes about 45 minutes for the initial consultation, followed by a written recommendation within 3–5 working days.

Rajeev Lokapur is based in Pune, Maharashtra, and serves businesses across Pune extensively, while also advising corporate clients pan-India through virtual consultations and coordinated on-ground servicing.

There is no fee for the initial Corporate Insurance Audit or consultation. Compensation comes through standard insurer commissions built into policy premiums — the same premium applies whether bought directly from an insurer or through an advisor, with ongoing advisory and claims support at no extra cost.

As your advisor, assistance is provided with claim intimation, documentation, and liaison with the insurer's claims team throughout the process, aiming to reduce delays and disputes at what is often a stressful time for a business or family.

None required upfront — copies of any existing policies are helpful if available, but the first conversation is about understanding your business, not paperwork.

Yes — existing policies can typically have their servicing transferred without a break in cover, and this is handled directly as part of onboarding.