Disciplined Advisory for Complex Insurance Claims
At Kapalin Insurance Broking, our Claims Consultancy service provides structured, independent advisory support to corporates managing complex insurance claims. We focus on accuracy, documentation discipline, and regulatory alignment — enabling claims to be presented and pursued in a clear, professional, and compliant manner. Our role is to support informed decision-making and effective engagement with insurers, without assuming settlement authority or influencing outcomes beyond the scope of advisory support.
Scope of Claims Consultancy
We offer claims consultancy exclusively for commercial lines of general insurance, in line with applicable IRDAI regulations.
Review of policy wordings, coverage triggers, and claim conditions
Structuring of claim documentation, narratives, and submissions
Advisory support during insurer and surveyor interactions
Assistance in responding to queries, observations, and assessments
Process tracking and follow-ups through the claim lifecycle
The service is mandate-based, clearly scoped, and advisory in nature.
Regulatory Framework & Compliance
Claims Consultancy services are delivered strictly in accordance with the IRDAI (Insurance Brokers) Regulations, 2018:
Consultancy is undertaken only for commercial insurance claims
For claims up to ₹10 crore, services may be provided only where Kapalin has not placed the underlying policy
For claims exceeding ₹10 crore, consultancy is undertaken only after obtaining prior approval from IRDAI, wherever applicable
Each engagement is supported by a written client mandate defining scope and responsibilities
Details of all assignments are recorded and reported to IRDAI within prescribed timelines
Our Methodology
Kapalin maintains complete records and audit trails for every consultancy engagement.
Claim Review
Structured assessment of loss circumstances against policy terms and coverage intent.
Documentation Discipline
Support in compiling, sequencing, and presenting claim documents in line with policy requirements.
Insurer Interface Support
Advisory coordination with insurers and surveyors to ensure clarity, consistency, and procedural compliance.
Settlement Stage Assistance
Support during claim evaluation and settlement discussions, focused on factual accuracy and policy interpretation.
