Distinguished Professional at your Service

bharat RE has a team of dedicated technocrats in the field of Insurance, Finance, Legal and Engineering, providing a wide range of strategic and operational risk management services across all industries for Commercial Lines of Insurance. We are a 300+ strong team, and expanding.

We are professionals focusing exclusively on insurance related matters. We realise that in order to provide broking services of international standards, we need a mix of Commercial, Technical and insurance know how. We have more than 300+ employees, and we have ensured that more than half of the strength is from the non domain area, with more than 30 being from the Engineering stream. This has helped us to ensure that we are able to understand the clients business and base our interaction on their risks and insurances after understanding their business.

It has been our endeavor that we do not compartmentalize our executives into any specific domain rather, we encourage them to have a holistic approach to a client and his business. At the same time, we ensure that specialized resources are available whenever and wherever required.

We have a unique partnership scheme, which has helped us to retain talent, and build strong teams on risk identification and evaluation, policy drafting, and most importantly, claims management.

Our Team of Experts

Thyagarajan R

Masters in Mathematics & Mathematical Statistics from Indian Statistical Institute, Associate of Chartered Insurance Institute (ACII), London. Visiting faculty of Asian Institute of Insurance, Philippines on Consequential Loss Insurance & also for United India Insurance Co.  Ltd. & New India Assurance Training Centers, Conducted many consequential loss assessment  programs for Insurance companies in Malaysia & Hong Kong, More than five decades  experience in senior positions with New India Assurance & J.B. Boda & Co as consultant & Loss Assessor.


Kannan R

Team Meambers_0023_Layer 1A Post Graduate in Mathematics , PGDMS, Certified Associate of Indian Institute of Bankers with Industrial Finance, having more than three decades experience in the corporate finance, capital markets and owner lever advisory. He has been member of High Power Committees, appointed by the Government of India.



Sampathkumaran P

Team Meambers_0029_Layer 1

Held Senior positions with Oriental Insurance Company with more than five decades with the insurance industry. Has been in insurance consultancy and broking for more than fifteen years advising large corporate houses as an insurance broker.



Vinod Reddy

Associate Member of Insurance Institute of India With New India Assurance Company Ltd in various positions  Head of Consultancy Division with JB Boda in Hyderabad till 1989  Independent consultant for 10 years handling major industries in Andhra Pradesh, including Bulk Drugs and Pharmacueticals



Ramachandran C


Civil Engineer, Associate of Insurance Institute of India, Risk Engineer with New India Assurance Company Ltd,   Established Corporate Consultancy division in JB Boda Company in 1978, Independent consultant for 14 years handling more than 100 Corporates, specializing in Textiles  Handled more than 100 large claims, including Arbitration proceedings



Vijay T


“ B.L, Cost Accountant, Associate Member of Institute of Company Secretaries of India and AIII. He specializes in commercial lines of insurance with specific  emphasis on property and Business Interruption Insurances”.



Srinivasan R

B.E. (Civil), A.I.I.I. (Fire Branch). More than three decades in the insurance industry beginning with the Oriental Insurance Co as Risk Engineer and in charge of the Project Cell, TATA AIG General Insurance Company Ltd as Manager – Commercial Lines And Energy , Cholamandalam MS General Insurance Co: Ltd. as Vice- President – Underwriting & Reinsurance ( Property & Engineering ) and also as their Advisor and Technical Consultant and J.B. Boda Insurance Brokers Pvt. Ltd.-In- charge of Direct Broking. International exposure with Al Ahlia Insurance Co Saoc Muscat Oman as Manager underwriting, reinsurance and claim, Comprehensive Insurance Brokers Llc, Muscat, Sultanate Of Oman as General Manager. Insurance advisors to major corporates, has been instrumental in placement of large risks, auditing of portfolios, and standardization with SOPs.


Ramesh S


BE (Electrical & Electronics), F.I.I.,FIV. More than three decades of professional Underwriting and claims management experience in insurance industry both private and public sectors , of which seven years in the Middle East market in both Insurance and Re-Insurance disciplines, a decade with J B Boda& Co group in Loss Assessment, Asset Valuation , Safety Audit and Risk Management services and a decade as Profit centre Head for Tata AIG in Energy line of business. Technical Director and Risk Management consultant for major powerGen‎ clients and Claims Consultant for corporate clients.


Vaidyanathan M


AICWA , MBA. Started career with TVS and joined ECGC as Executive officer. More than three decades with ECGC in various capacities as General Manager (Internal Audit), headed audit sector and also was a Chief Vigilance Officer. Was instrumental in introducing several new schemes while heading additional policy planning sector. He is an advisor on credit insurance policies with regards to suitability, adequacy and deciding on cost at optimal level, Designing customized solutions for credit insurance requirements of clients, on default and claim handling.


Jeyaraj Thanghavel


PGDGM(MBA), LLB, IRDAI Licensed broker. Trade Credit Insurance expert with strong technical knowledge, actively involved in providing structured solutions in the area of Trade Credit & political Insurance for more than a decade. Core strength in structuring Trade Credit insurance according to the business model and the industry of the corporate clients. Enormous experience in handling protracted defaults and insolvency claims under Export and domestic credit insurance policies which containing small value to large value claims. Actively engaged ininternational practice by structuring Global /world policies for Indian corporates and few overseas clients. Member of CREDEA. Offers Claims support for Credit Insurance Policies.


Arunachalam T.L


B.A.B.L. Associate member of the Insurance Institute of India – With New India Assurance in various capacities for a decade,  Head of MNC marketing team – Japanese and Korean business, Business Head – Chennai Operations and Commercial Lines with IFFCO – TOKIO,  Executive Vice President – Monarch Insurance Company – Philippines, Expertise in Marine and Liability risks.



Avinash Bhat


Avinash Bhat – B E (Electrical), MBA, FIII, with in depth understanding of Commercial and Technical knowhow of Property Lines of Insurances for Engineering Industry as Automotive, Energy, Infrastructure, Steel.
Risk Management and Insurance Auditing for the Corporate clients.



Babu Ganesh R

B.E.Mech, MBA (Clark University), IRDAI Surveyor – Fire, Marine, Engineering . More than a decade experience as Software System Architect in the IT industry in the USA before joining the insurance industry and qualifying as a surveyor and has handled insurance surveys for several high value claims for nearly all insurance companies, before becoming an insurance broker. He has been involved in favorable negotiations of claims settlement in Commercial Liability, IAR, and representing insured in arbitrations.


Dinesh Narang

B.E. ( Mech ); Chartered Engineer , M.I.E , M.S ( Finance ) , C.F.A ,F.I.I.I , ACII London), IRDAI Licensed broker , F.I.I.I , ACII (London). More than a decade’s experience in engineering industry as a service engineer, handling OEM, Projects, and marketing. A decade in insurance broking with a vast exposure in risk identification and analysis. Has handled a large number of claims in commercial lines of business in Fire, Burglary , Marine , Aviation and other miscellaneous lines.


Kishore Hegde

B.Com, FCA, More than two decades experience in Accounts, Finance, Systems, Management and Broking services. Started his career as a chartered accountant, progressing to a merchant banking and a financial consultancy company, before becoming a qualified insurance broker.



Koustubh Karkhanis

A Graduate Mechanical Engineer and MBA Finance with over 22 yrs. of experience in Industry, Marketing, and Business Development, General Insurance and Insurance Broking. IRDA approved Insurance Broker with AIII, specializes in Corporate Insurances, Project and Infrastructure Insurances and other specialize Verticals of Insurances.



Minesh Patel


B.E. (Electrical), AIII – Fire Branch, Diploma in Insurance, IRDAI Licensed broker. Engineer More than a decade’s experience in industrial risk, survey and claims management Exposure in handling insurances for the Chemicals and Engineering industries.



Rama Ramanathan

B B A, A.I.I.I, IRDAI Licensed broker. Has exposure in Hire purchase financing, non banking financial services and in pharmaceutical distribution spanning three decades before his venture into insurance broking. Has developed a team and made the broking services broad based by bringing in more than 200 corporate clients to the fold, and made Bharat Re as the top ranking broker in Textile sector.


Ramprasad N

A BBA, PGDM and AIII. with 35 years of experience in various fields. Was with Air India in the commercial department, followed by a decade of experience in a manufacturing industry in various departments like Marketing, Production, Administration and others. He was also an entrepreneur for a decade gathering rich experience in International Trade and Commerce, Multimedia industry, and commercial experience.
He comes with core competencies in Marketing, Commercial experience and International Trade.


Shailendra Kumar


B.E.(Mech), AIII, Member Institution of Engineers India, Fellow Institution of Valuers India and Chartered Engineer. Has around 15+ years of experience in General Insurance Field in various departments such as Risk Inspection and engineering, Risk assessment, evaluation and control, underwriting and claims. Has handled several large Claims. Had around 7 years of experience in Project Design, Engineering, Project Management and Project Execution.


Subramaniyan Vi. K

Associate Member of Insurance Institute of India,  More than four decades experience in public sector insurance company,  Voluntarily retired as Senior Divisional Manager of National Insurance Co. Ltd,  Vast experience in Accident Insurance and Health Insurance.



Venkat S

B.Com, L.I.I.I. More than three decades experience in sales and marketing. Was a business partner with a training institute of repute and had his own automobile dealership before coming into insurance.




Venugopal Rao J

Three decades experience in various positions in New India Assurance Co. Ltd, Voluntarily retired as Sr. Divisional Manager,  Experience in insurances of Bulk Drugs and Pharma industries.

Team of Experts:

Our professional service offerings extend into both Treaty & FAC Management solutions at a Global level, with comprehensive understanding on capacity and preferred lines of activity by the Reinsurers. Our experts continuously monitor the emergence of new risks and prepare in good time to ensure necessary protection to our clientele.


Dilip Shukla


Associate of Insurance Institute of India & Kenya * 18 years with New India Assurance  that included 5 yrs as the Manager for Mauritius Branch * Gen Manager & Principal Officer of Trans Africa Assurance Co.,Kampala,Uganda(The Mehta Group) * Gen Manager of Occidental Insurance Co.,Nairobi * The Manager –General Insurance Division of British American Insurance Co.(Kenya) * ED & Principal Officer of Afro Asian Insurance & Reinsurance Brokers(I) Pvt Ltd for 11 years.


Rajiv L. Mathur

B.Sc, LLB, F I I I, Associate of Chartered Insurance Institute of UK and a Chartered Insurer. With more than three decades in the insurance industry having started his career with GIC Re and moved on to New India Assurance Company. After various assignments with New India, including that of Divisional Manager, he was deputed to Prestige Insurance Company of Nigeria. After taking his voluntary retirement from New India, he worked as CEO & Executive Director of Trident insurance Co, Nairobi, Kenya and as General Manager with IOGA Insurance Company in Mauritius. He has also served as Board Director with Association of Kenya Insurers ( AKI ), as President of Indemnity Club of Kenya , and as Joint Secretary and the Editor of the News Letter of Insurance Institute of Mauritius. Currently he is also a Board Director of UNIBA ( a global network of insurance brokers )


Ramani J


Associate member of Insurance Institute of India * Around 30 years’ experience in the Reinsurance sector * Active member in designing RI Programme of UIIC (United India Insurance Company) and was also in-charge of Engineering outward department * Guest Faculty member of UIIC, Learning centre and National Insurance Academy Pune and has conducted RI seminars at various regional offices in UIIC.


Ramesh V

Fellow Member of Insurance Institute of India (FII) * Associate Member of the Chartered Insurance Institute, London. (ACII) * Over 25 years’ experience in the GI functional areas spanning  Finance, Accounts, Operations, MIS, Claims Handling, Business Development  and Auditing in General Insurance sector.



Selvaraj A

Post graduate in commerce * Bachelor of Law *Fellow of Insurance Institute of India * Over 25 years of hands- on experience in almost all classes of Direct Insurance ( UW & Claims) and Reinsurance and Voluntarily retired as Manager from Oriental Insurance Co Ltd., after distinguished services in several positions/Offices * Headed the Marine Cargo/Hull/Energy/Aviation sections in HO of Oriental Insurance Co * Member of the erstwhile Tariff Advisory Committee * Over 10 years of RI Broking experience – actively associated with designing and evaluating RI Programme for many insurers


Sundaram VR


Fellow member of Institute of Chartered Accountants of India and Associate member of Insurance Institute of India* 20 years with United India Insurance Company Ltd in the Reinsurance department* General Manager of General Insurance Corporation of India and Managing Director of Loss Prevention Association of India* With Asian Reinsurance Corporation, Bangkok (6 years)* With Kuwait Reinsurance Company, Kuwait (10 years).


Unnikrishnan S


B-Tech, MBA, DIS, AIII * Over 14 years extensive experience in international Insurance industry covering Underwriting operations for all classes of insurance especially UW Large risks for Engineering Lines (including Downstream Energy projects, Power plants and Renewable Energy risks) * FAC Underwriter in Trust Re, Bahrain * Has also worked with AXA Gulf (Bahrain), Al Madina Gulf Insurance Company (Oman),Muscat Insurance Company (Oman) in the underwriting department * Was formerly with IFFCO Tokio and TVS and Sons Ltd.

Balakrishnan R. R

Chemical Engineer, Principal Consultant of Asia Pacific Risk Management Services Pvt. Ltd., Former CEO of Allianz Alpic Industrial Risk Management Services Ltd., Technical Committee member of National Safety Council- Tamil Nadu Chapter., Risk Engineer for TATA Risk Management, Evolved Petrochemical / Refinery tariff for the Insurance Industry, Undertaken risk inspection for more than 250 large corporate on Risk Analysis, Safety Audit and PML estimation.


Dhanavelu G


Chemical Engineer and an MBA with almost a decade experience in Risk Management as a Risk Engineer. Career highlights include Hazard & Operability study, Quantitative Risk Analysis and Consequence Analysis, Safety Integrity Study, Safety Audit and Risk Inspection for various industries.



Hrishikesh Balakrishnan


B.Tech and an M.Tech Chemical Engineer with Process Safety, Modeling & Simulation expertise with over a decade’s experience as an HAZOP Facilitator / Chairman, Flare and Vent Studies, Flare sizing, Fire Safety Audits, Fire& Explosion Risk Assessment, Root Cause Analysis  & Troubleshooting, PML [Probable Maximum Loss] estimation, Profit improvement & Operations Improvement programs, Operations research, Supply chain optimization to mention a few. International exposure to projects and has the distinction of publishing a book in the International Conference on Biomedical Engineering.


Rama Krishnan H


More than 30 years in Automobile, Construction, Engineering and wind mill industries at various capacities in Production and Safety Engineering departments.  Risk inspection and Safety audit includes Power, Petro chemical, Engineering, Pharma and Chemical industries. Conducted more than 100 Safety audits and risk inspections for Engineering, Cement, Power, Pharma and chemical industries

Enterprise Risk Management has become a specialized field and depending only on “ Insurance Minded ” to design your protection could be deadly!! An individual’s skill is no longer sufficient to manage risks. ERM today requires Engineering, Legal, Financial and Operational skills to be effective. The concept of risk needs to be integrated within the corporate culture, risk appetite identified, accurately assessed, constantly monitored and evaluated, to ensure adequate protection in the ever changing environment.

An effective risk management program requires the owners of enterprises to participate fully in insurance decisions. The Finance Heads also need to realize that they leave the organizations exposed to litigation if it is purely price related and all options have not been evaluated and a continuous system to improvise, adapt and monitor risk exposure is in place.

While Risk management is an integral part of our broking services, we interact with different companies and individuals for critical and strategic inputs.

Ramadoss M


B.Com; A.C.A; F.I.I.I; A.C.I.I. (UK). Started his career in New India as Junior officer, became Region in Charge, Bangalore, was deputed to London as Chief Executive. Was the CMD of Oriental and New India for nine years. Was also CMD and Chairman of GIPSA functioning as President of the Insurance Institute of India, Chairman – Governing Board, NIA, Pune and is a member / Chairman in may committees of ARDAI, ASSOCHAM, CII and FICCI.


Shiva Shankar V N


B.Com, B.L, A.C.S, A.I.C.W.A, Founder of VNS Legal, a boutique corporate law firm, based in Chennai. A qualified lawyer, company secretary and cost / management accountant with over 20 years experience in the Indian corporate sector. Areas of expertise include corporate legal, mergers & joint ventures, transactional and compliance. Independently worked on several large transactions across diverse industries and has built up a significant expertise in the financial services sector. Associated with the “Madras Chamber of Commerce” and was the past chairman of the Financial Sector Committee of the Madras Chamber. Member of the Start up Entrepreneurial Eco System (SEE) of the Madras Chamber. Associated with the “Southern India Chamber of Commerce & Industry”, and member of the Executive Committee of SICCI.


Dr. Harish Ramani


M.Sc, Ph.D (from Australia) is the Chief Executive and Technology Officer of Tevel Cyber Corps (formerly Internettechies). He has following certifications to his credit – CEH, CHFI, ECSA, CND, CEI & ISO 9001 2015 Internal Auditor, and is an expert in Cyber Security and Digital Forensics and in Cyber Insurance financial claim settlement and has cracked many financial fraud cases. He is also an advisor to Chennai Cyber Crime Police department and been instrumental in solving many cyber crime related cases. He has designed the data centre in Kenya and an adjunct faculty in International Institute of Information Technology, Bangalore (IIIT-B). He is a visiting faculty in University of Wales, UK and in other renowned universities and colleges in India.


Chandrashekar K

B.Sc, FCA, FCMA, ACS, FLMI (USA). 43 years experience in the field of Finance in Banking & Insurance related domains. Was with Prudential Life Insurance in their HO in USA/Canada for 18 years, as Vice President in one of the TVS Group companies, Director in a Software Product company, Insurance Domain Functional consultant. Vast experience in Finance and taxation.


Natarajan V

Former Chairman & Managing Director of United India Insurance Company Ltd.  40 years experience in the Insurance Industry, including as General Manager of General Insurance Corporation . Leading teams for negotiation and placement of various reinsurance contracts for mega risks such as ONGC, Indian Airlines.  Fellow of Chartered Insurance Institute, London.