# Visista Insurance Broking Services Pvt. Ltd.

> Independent IRDAI-licensed direct insurance broker (Life & General), headquartered in Hyderabad, India. Established 2003. IRDAI Certificate of Registration No. 321, valid up to 05-01-2027. Visista represents clients, not insurers: it designs insurance programmes, negotiates terms across insurers and manages claims.

Last updated: 2026-09-28

## Contact
- Head office: Plot no. 177, Phase II, Kamalapuri Colony, Hyderabad 500073, Telangana, India
- Phone: +91 91000 98491
- Email: info@visistarisk.com
- Website: https://www.visistarisk.com/
- Branches: Chennai, Bangalore, Vishakapatnam, Pune, Bhubaneshwar, Delhi
- Grievances: Compliance Officer ramakrishna.b@visistarisk.com; Principal Officer po_visista@visistarisk.com; form at https://www.visistarisk.com/#/grievance

## Leadership
- G. Mohan Vamshi — Managing Director
- Binay Dash — Director
- K. Sai Charan — Associate Director

## Insurance products
### Commercial Line
Property, project and asset covers for industry
- Standard Fire & Special Perils Policy (SFSP): Standard Fire & Special Perils Policy (SFSP) provides comprehensive property insurance protection for buildings, plant & machinery, stock and other business assets against risks such as fire, lightning, explosion, storm, flood, earthquake, riot and malicious damage.
- Boiler and Pressure Plant Insurance: Boiler and Pressure Plant Insurance covers sudden and accidental damage to boilers and pressure vessels arising from explosion or collapse during normal operations.
- Industrial All Risk Policy: Industrial All Risk (IAR) Policy provides comprehensive coverage for large industrial risks by combining property damage and business interruption under a single policy.
- Business Interruption / Loss of Profits Policy: Business Interruption Insurance covers loss of profits and fixed expenses when business operations are interrupted due to insured property damage events such as fire or natural catastrophes.
- Machinery Loss of Profits Policy: Machinery Loss of Profits (MLOP) Policy provides coverage for financial losses arising due to breakdown of critical machinery insured under Machinery Breakdown Policy.
- Project Policies (CAR & EAR): Contractors All Risk (CAR) and Erection All Risk (EAR) Policies provide comprehensive insurance protection during construction and erection projects.
- Advance Loss of Profit Insurance Policy: Advance Loss of Profit (ALOP) Insurance covers financial losses arising from delay in project completion caused by insured events under project insurance policies.
- Marine Insurance: Marine Insurance provides coverage for loss or damage to goods during transit by sea, air, rail or road.
- Machinery Breakdown Insurance Policy: Machinery Breakdown Insurance covers sudden and unforeseen mechanical or electrical breakdown of machinery and equipment.
- Electronic Equipment Insurance: Electronic Equipment Insurance covers computers, servers, medical equipment and other electronic devices against accidental damage, electrical failure and external risks.
- Contractors’ Plant and Machinery Policy: Contractors Plant & Machinery Insurance covers construction equipment such as excavators, cranes and loaders against accidental damage while working or at rest.
- Sabotage And Terrorism Cover: Sabotage and Terrorism Insurance provides protection against loss or damage caused by acts of terrorism, sabotage or malicious acts.

### Liability
Protection against third-party and management liability
- Warranties and Indemnity Insurance Policy: Warranties and Indemnity Insurance protects buyers and sellers in mergers and acquisitions against financial losses arising from breach of warranties or indemnities in transaction agreements.
- Pollution Legal Liability: Pollution Legal Liability Insurance provides protection against legal liability arising from sudden and accidental pollution events.
- Public Liability — Industrial: Public Liability Industrial Insurance covers legal liability arising from bodily injury or property damage to third parties due to industrial operations.
- Public Liability — Non-Industrial: Public Liability Non-Industrial Insurance covers legal liability arising from accidental injury or property damage to third parties due to business operations in offices, hotels, malls and commercial establishments.
- Employment Practices Liability (EPLI): Employment Practices Liability Insurance (EPLI) covers legal liability arising from employee-related claims such as wrongful termination, harassment, discrimination and employment disputes.
- Clinical Trials Liability: Clinical Trials Liability Insurance provides protection against legal liability arising from clinical research and drug trials.
- Carrier Legal Liability: Carrier Legal Liability Insurance covers legal liability of transporters for loss or damage to cargo while in transit.
- Crime Insurance: Crime Insurance protects businesses against financial losses arising from employee dishonesty, fraud, forgery, theft and cyber-related crimes.
- Commercial General Liability: Commercial General Liability Insurance provides comprehensive protection against third-party bodily injury and property damage arising from business operations, products or premises.
- Cyber Insurance: Cyber Insurance provides protection against financial losses arising from data breaches, cyber attacks and network security failures.
- Directors & Officers Liability: Directors & Officers Liability Insurance protects directors and senior management against legal liability arising from decisions made in their managerial capacity.
- Errors & Omissions: Errors & Omissions Insurance provides coverage against financial losses arising from professional negligence, errors or omissions in services provided to clients.
- Product Liability: Product Liability Insurance covers legal liability arising from bodily injury or property damage caused by defective products manufactured or sold by the insured.
- Public Liability Act Insurance: Public Liability Act Insurance provides statutory liability coverage as required under the Public Liability Insurance Act for industries handling hazardous substances.
- Professional Indemnity Insurance: Professional Indemnity Insurance protects professionals against claims arising from negligence, errors or omissions in professional services.

### Employee Benefits
Health and welfare cover for your workforce
- Group Medical Insurance (GMC): Group Medical Insurance (GMC) provides comprehensive health insurance coverage to employees and their dependents under a single corporate policy.
- Group Personal Accident (GPA): Group Personal Accident Insurance provides financial protection to employees against accidental death and disability.
- Group Term Life (GTL): Group Term Life Insurance provides life insurance protection to employees under a single master policy issued to the employer.
- Life Insurance: Life Insurance provides financial protection to individuals and families by ensuring a lump sum payout in the event of death or maturity of the policy.

### Trade Credit & Surety Bonds
Guarantees securing contract performance and receivables
- Trade Credit Insurance: Trade Credit Insurance protects businesses against non-payment of trade receivables by buyers due to insolvency, protracted default or political risk.
- Bid Bonds: Bid Bonds guarantee that a contractor participating in a tender will honor the bid terms and execute the contract if awarded.
- Performance Bonds: Performance Bonds guarantee satisfactory completion of contractual obligations by contractors as per agreed terms and specifications.
- Advance Payment Bonds: Advance Payment Bonds guarantee repayment of advances released to contractors by project owners.
- Retention Bonds: Retention Bonds allow contractors to receive retention money withheld by project owners against a guarantee from an insurer.
- Maintenance Bonds: Maintenance Bonds guarantee that contractors will rectify defects identified during the maintenance or defect liability period after project completion.

### Specialty Lines
Trigger-based payouts for weather and climate risk
- Rainfall: Rainfall Parametric Insurance provides financial protection based on rainfall measurements recorded at specified weather stations.
- Drought: Drought Parametric Insurance provides protection against financial losses caused by prolonged dry weather conditions.
- Wind Speed: Wind Speed Parametric Insurance provides financial protection against losses caused by extreme wind events.
- Temperature: Temperature Parametric Insurance provides coverage against financial losses caused by extreme temperature variations.
- Flood: Flood Parametric Insurance provides financial protection against flood-related losses based on predefined triggers such as rainfall levels or river water levels.
- Solar Irradiation (Solar Plants): Solar Irradiation Parametric Insurance protects solar power project owners against financial losses caused by lower-than-expected solar radiation levels.

## Advisory services
- Claims Management: End-to-end claims handling, from incident to settlement — we advocate with loss adjusters and insurers so you don’t have to.
- Risk Inspection: On-site inspection and technical audits across plant and project sites, identifying risks before they become claims.
- Claims Consultancy: Standalone, end-to-end claim handling for policies not placed by Visista — from intimation and documentation through negotiation and recovery.
- Adequacy of Sum Insured: Assets are too often insured at gross book values.

## Industries served
- Energy & Power: Generation, transmission and distribution assets face concentrated values, machinery-driven downtime and force-majeure exposure. Suggested covers: Industrial All Risk Policy, Machinery Breakdown Insurance, Boiler & Pressure Plant Insurance, Business Interruption / Loss of Profits, Sabotage & Terrorism Cover, Project Policies (CAR & EAR), Cyber & Crime Insurance, Directors’ & Officers’ Liability (D&O), Commercial General Liability (CGL), Group Medical Cover (GMC), Group Personal Accident (GPA), Group Term Life (GTL), Life Insurance.
- Infrastructure & Construction: From ports to highways, projects carry risk from groundbreak to handover — plant, third parties, delayed revenue and workforce. Suggested covers: Project Policies (CAR & EAR), Contractors’ Plant & Machinery, Advance Loss of Profit, Workmen’s Compensation, Public Liability Insurance, Marine Insurance, Professional Indemnity Insurance, Surety Bonds, Cyber & Crime Insurance, Directors’ & Officers’ Liability (D&O), Commercial General Liability (CGL), Group Medical Cover (GMC), Group Personal Accident (GPA), Group Term Life (GTL), Life Insurance.
- Pharma & Life Sciences: Regulated products, global recalls and human trials make pharma liability uniquely severe. Suggested covers: Clinical Trials Liability, Product Liability Insurance, Public Liability Insurance (PLI), Commercial General Liability (CGL), Professional Indemnity (E&O), Standard Fire & Special Perils (SFSP), Industrial All Risk (IAR), Marine Insurance, Storage-Cum-Erection / Storage, Testing & Operation (STOP), Pollution Legal Liability, Credit Insurance, Cyber & Crime Insurance, Directors’ & Officers’ Liability (D&O), Group Mediclaim Insurance, Group Personal Accident (GPA), Group Term Life (GTL), Life Insurance.
- IT / ITES: Your assets are data, people and uptime. Suggested covers: Cyber Crime Liability, Professional Indemnity (E&O), Directors’ & Officers’ Liability, Electronic Equipment Insurance, Crime Insurance Policy, Commercial General Liability (CGL), Group Term Life (GTLI), Group Medical Cover (GMC), Group Personal Accident (GPA), Life Insurance.
- Manufacturing: Fire remains the classic manufacturing peril, but downtime, product recalls and supply-chain moves matter just as much. Suggested covers: Standard Fire & Special Perils, Machinery Loss of Profits, Business Interruption / Loss of Profits, Product Liability Insurance, Marine Insurance, Storage-Cum-Erection / Storage, Testing & Operation (STOP), Workmen’s Compensation, Cyber & Crime Insurance, Directors’ & Officers’ Liability (D&O), Commercial General Liability (CGL), Group Medical Cover (GMC), Group Personal Accident (GPA), Group Term Life (GTL), Life Insurance.

## Free tools
- [Group Medical Cover (GMC) Premium Calculator](https://www.visistarisk.com/#/tools/gmc)
- [Sum Insured Calculator (Fixed Asset Register)](https://www.visistarisk.com/#/tools/far)
- [Business Insurance Gap Finder](https://www.visistarisk.com/#/tools/gap)
- [Claim Readiness Checklist](https://www.visistarisk.com/#/tools/claim)
- [Liability Cover Estimator](https://www.visistarisk.com/#/tools/liability)
- [Marine / Transit Premium Calculator](https://www.visistarisk.com/#/tools/marine)
- [Surety Bond Cost Checker](https://www.visistarisk.com/#/tools/surety)
- [Parametric Trigger Explainer](https://www.visistarisk.com/#/tools/parametric)
- [Risk Inspection Self-Assessment](https://www.visistarisk.com/#/tools/riskcheck)

## Frequently asked questions
### What is Visista Insurance Broking Services?
Visista Insurance Broking Services Pvt. Ltd. is an independent insurance broker headquartered in Hyderabad, India. Established in 2003, Visista advises businesses and individuals on commercial, liability, employee benefits, surety and specialty insurance, and manages claims on their behalf.

### Is Visista a licensed insurance broker in India?
Yes. Visista holds IRDAI Certificate of Registration No. 321 as a Direct Broker (Life & General), licensed for both life and general insurance. The registration is valid up to 5 January 2027.

### What does an insurance broker do for a business?
An insurance broker represents the client, not the insurer. Visista assesses a business’s risks, compares terms and pricing across insurers, negotiates the policy wording, and supports the client through renewals and claims.

### Which insurance products does Visista arrange?
Visista arranges cover across Commercial Line, Liability, Employee Benefits, Trade Credit & Surety Bonds, Specialty Lines. This includes fire and industrial all-risk, D&O, cyber, professional indemnity, group health and life, marine, surety bonds and parametric weather cover.

### Which industries does Visista specialise in?
Visista has sector-specific insurance expertise in Energy & Power, Infrastructure & Construction, Pharma & Life Sciences, IT / ITES, Manufacturing. Each sector has a recommended set of policies matched to its typical exposures.

### Where does Visista have offices?
Visista’s head office is at Kamalapuri Colony, Hyderabad 500073. Branches operate in Chennai, Bangalore, Vishakapatnam, Pune, Bhubaneshwar, Delhi, each led by a dedicated branch head.

### Does Visista help with insurance claims?
Yes. Visista’s claims team manages documentation, surveyor coordination and settlement negotiation for clients. Visista also offers independent claims consultancy for policies that were not placed through Visista.

### What is adequacy of sum insured?
Adequacy of sum insured is a review that checks whether assets are insured at their current reinstatement value rather than depreciated book value. Visista’s review helps businesses avoid underinsurance deductions under the average clause at claim time.

### Does Visista offer free insurance calculators?
Yes. Visista’s website offers nine free tools, including a group medical premium calculator, sum insured calculator, marine premium calculator, surety bond cost checker and a business insurance gap finder.

### How do I raise a grievance with Visista?
Submit the grievance form on Visista’s Grievance Redressal page to receive a reference number. You can also email the Compliance Officer at ramakrishna.b@visistarisk.com or the Principal Officer at po_visista@visistarisk.com.

### How do I contact Visista Insurance Broking?
Call +91 91000 98491, email info@visistarisk.com, or visit Plot no. 177, Phase II, Kamalapuri Colony, Hyderabad 500073. Enquiries can be routed to a specific product specialist or branch head.

## Specialists
- Pavan Kumar — Commercial Lines
- K. Sai Charan — Commercial Lines
- Y.V. Ramana — Commercial Lines
- B.N. Prasad — Commercial Lines
- Surender Reddy — Commercial Lines
- Vivek Gour — Liability
- Namrata Benganni — Employee Benefits & Life
- Sushen Sharma — Trade Credit & Surety Bonds

## Branch heads
- Krishnan — Chennai I
- Kalyan Raj Kumar — Chennai II
- Santanu Ghosh — Bangalore
- Sujit Saka — Vishakapatnam
- Amit Dhage — Pune
- Loknath Biswal — Bhubaneshwar
- Shanawaz Ahmed — Delhi

*Insurance is the subject matter of solicitation.*