Why Choose Us?
life you build
Our protection.
Our platform.
Big results.
Customized Insurance Products For Everyone
Insurance Solutions
Erection All Risk (EAR) Insurance
Covers installation and erection of plant, machinery, equipment,…
Read More
Group Personal Accident Insurance
Covers employees against accidental death, permanent disability, and…
Read More
Group Health Insurance
Provides comprehensive medical coverage for employees and dependents…
Read More
Professional Liability (Errors & Omissions)
Provides coverage for professionals against claims due to…
Read More
Employees Liability Insurance
Covers employer liability towards employees for workplace injuries,…
Read More
Commercial General Liability (CGL)
Covers a business against third-party claims of bodily…
Read More
Cyber Liability Insurance
Protects businesses from cyber-attacks, data breaches, ransomware, and…
Read More
Directors & Officers (D&O) Liability Insurance
Covers directors and senior leadership against legal claims…
Read More
Contractor’s All Risk (CAR) Insurance
A project insurance policy that covers civil construction…
Read More
Industrial All Risk (IAR) Policy
A single comprehensive policy covering industrial property damage…
Read More
Standard Fire & Special Perils Policy
This policy protects your buildings, stock, machinery, and…
Read MoreSuccess Stories
Our POSP Partners
Milind Shah
“I've been with Ratnaafin Insurance Broking for four to five years, handling corporate clients across marine, CR, ER, and cyber risk. What sets them apart? The people. Team’s product knowledge is unmatched, I can call them anytime, and they'll solve issues on the spot. The team provide quotations within two hours, and policy issuance happens within a day. The entire process is seamless from start to finish. Ratnaafin Insurance Broking isn't just a broker, they're true partners who make my work easier every single day! “
POSP
Nitin Trivedi
“I joined Ratnaafin Insurance Broking two and a half years ago after leaving my General Manager role at 50. When Bhaumik and Parth joined, I knew this was the right team. The support is incredible, quotations arrive on time with maximum discounts. Everything is digital and efficient. Best part? Renewals create stable, recurring income. With Ratnaafin Insurance Broking's backing and expertise, I'm growing steadily. I tell young people: build a business with the right partner. That's exactly what I found here! “
POSP
Expert Perspectives On Insurance, Protection, And Growth
Blogs
ratnaafin 
Quick Guidance To Help You Make Informed Decisions
FAQs
We understand that choosing the right insurance can feel overwhelming. That’s why we’ve compiled answers to frequently asked questions to guide you at every step. From understanding coverage to knowing how claims work, you’ll find clear explanations here, helping you move forward with confidence.
What is the difference between third‑party and comprehensive motor insurance?
Comprehensive adds own‑damage cover to mandatory third‑party liability and can include add‑ons for broader protection.
How does cashless health insurance work?
Treatment happens at network hospitals where eligible bills are settled directly; non‑covered items and deductibles apply as per policy.
Who needs Workmen Compensation Insurance?
Employers and contractors with hired labor must cover workplace injuries, disability, death benefits, and related legal liabilities.
What does Fire & Special Perils Insurance include?
Coverage for buildings, stock, and machinery against fire and named perils, with optional business interruption and machinery breakdown.
When should a business choose surety over a bank guarantee?
Surety bonds can free up banking limits and provide contract‑specific risk transfer for performance obligations.
