A claim is won on documents, not on sympathy
Our claims assistance centre runs the file for you — we know what each insurer asks for, and we get it right before it is submitted.
Three things, in this order
Understand the risk. Place the cover. Stand behind it at claim time.
Advisory
We start with your exposure, not with a product — then compare what the market will actually pay on.
Placement
Cover placed through our network of trusted insurers, with the paperwork handled end to end.
Claim support
A dedicated claims assistance centre in Bengaluru that advocates on your behalf.
Two desks — retail and corporate — one advisor either way
Six lines, for corporate and private
All placed and serviced by the same team you already speak to.
Cover against accident, theft and damage — private car, two-wheeler, goods and passenger carrying vehicles, and fleet programmes.
Indemnity and top-up health, critical illness, personal accident, travel — and the group equivalents for your employees.
Fire, burglary, office protector, contractors all risk and workmen compensation for the small and mid-sized business.
Goods, cargo and hull cover in transit, including open covers and multi-modal transportation.
Doctors' professional indemnity, errors & omissions, directors & officers and commercial general liability.
Miscellaneous vehicles, event and specialty exposures — if it can be underwritten, we will find who writes it.
A family practice, run on modern systems
The founders of KICPL and the Principal Officer of Karthika Insurance come from a family with over 45 years in insurance — spanning the most dynamic era of the industry's development in India.
Behind them is a young team, powered by current technology and kept up to date at all times.
Fifty-five years of the same promise
Karthika Insurance was founded on 1 April 1971 by S. Ramakrishnan Nair — a small, dedicated practice placing life cover through LIC of India, built on expert guidance and risk management for individuals and businesses alike.
Mr. Nair carried the firm through the liberalisation and privatisation of Indian insurance, bringing together a collective of agents working with specific insurers — all committed to finding the right solution rather than the easy one.
Today it is a multi-line advisory serving the second and third generation of the families and businesses it started with, across four offices.
Talk to an advisorFour offices, four people who answer their own phone
We started in Bengaluru and extended steadily across the country.
No. 236, 6th Cross, 6th Main, MICO Layout,
BTM 2nd Stage, Bengaluru — 560076
No. 61, 2nd Floor, 5th Main Road, Bank Officers Layout,
Narayanagara 2nd Block, Off Kanakapura Main Road — 560062
#4, 3rd Floor, Tower-A, Gem Premier Heights, Kishangarh,
Near ESI Dispensary, Vasant Kunj, New Delhi — 110070
#401/B, "Adwaitham", Manjoor P.O,
Kottayam (District), Kerala — 686603
Be part of the team
Business Development Manager
Generate, contact, present to and follow up with prospects — keeping the product transparent and collecting everything needed to complete the purchase, plus retention of existing accounts.
Apply now →Consulting Manager
Record, attend to and action customer queries across every channel, and support the business development team through the full prospect and renewal cycle.
Apply now →Send us your current policy copy.
We will tell you what it covers, what it quietly doesn't, and what it should cost. No charge, no obligation.