Corporate Insurance | Candor Capital

A policy is only as good as the day you claim on it.

We help organisations identify, structure and place insurance solutions aligned with their operational, financial and regulatory exposures, then stand beside them when it matters most: at claim time.

How We Work

From risk assessment to ongoing advisory

Coverage designed around your actual exposures, placed with the right underwriter, and kept current as the risk evolves.

Risk Assessment

Detailed evaluation of your project scope and risk environment to identify construction, contractual, financial, environmental and operational exposures across the lifecycle.

Contract Review

Comprehensive review of agreements with contractors, lenders, suppliers and stakeholders to define risk allocation clearly before coverage is designed.

Market Evaluation & Negotiation

Qualified insurers approached, quotations evaluated across terms, pricing and coverage, and the optimal structure secured with the most suitable lead underwriter.

Placement & Documentation

Policy wordings finalised and tailored so coverage reflects your specific risk profile and contractual requirements, closing gaps beyond standard provisions.

Ongoing Advisory

Continuous guidance through the policy period: coverage adjustments, renewals, limit assessments and proactive risk discussions to keep protection uninterrupted.

Products & Covers

Coverage across every exposure

Contractors' All Risks (CAR): construction projects protected against physical damage and third-party liabilities
Erection All Risks (EAR): machinery safeguarded through erection, installation and commissioning
Contractor's Plant & Machinery: cover for accidental damage and equipment loss
Surety bonds: performance and payment obligations secured for high-value contracts

Group health insurance designed for employees and dependents
Group term life with smooth claims and beneficiary administration
EPFO advisory: EPF and gratuity compliance, protecting retirement benefits
Office insurance for workplace assets and liabilities

Workmen compensation: statutory compliance and employee protection
Professional indemnity (E&O) with retroactive dates and run-off provisions
Directors & Officers: leadership covered against wrongful-act claims and investigations
Cyber insurance for breaches, ransomware and business interruption

Marine insurance: goods in transit across sea, air, road, rail and inland waterways
Motor insurance for personal and commercial fleets
Fire insurance covering property and business interruption
Property insurance against damage and catastrophe risks

Underwriting Support

Your risk, presented accurately

Well-presented risk earns better pricing, broader coverage and cleaner policy terms.

Risk Valuation

Detailed evaluation of operational, financial and industry-specific risks through document reviews, site inspections and analysis of claims history and loss trends.

Pricing & Premium Negotiation

Risk presented strategically to insurers for competitive quotes, with premiums negotiated on risk quality and market dynamics.

Terms & Conditions

Policy wordings, clauses and extensions customised, with deductibles, limits and exclusions optimised against contractual and regulatory requirements.

Claims Management

Beside you when it matters

From prompt intimation to fair settlement, we manage the claim so you can manage the business.

Claim intimation: incidents reported promptly and correctly, with guidance on documents, timelines and evidence
Claim evaluation: a complete claim package submitted on your behalf, with queries handled as your liaison
Claim settlement: independent review of insurer assessments, validated against policy terms and actual losses
Dispute resolution: structured escalation with active representation until a fair outcome

Review your coverage

Most programmes hide gaps and overlaps that only surface at claim time. A benchmarking review finds them first.

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