BHARAT RE is a Composite broking house licensed by the Insurance Regulatory and Development Authority, for both Direct and Reinsurance Broking. The Direct Broking division provides risk and insurance management services for commercial enterprises in India. While we are proud of our unparalleled expertise in handling Commercial risks, with unique specialization in Business Interruption covers, we also have an expanded presence in the Employment Benefit practices and Business Credit insurances. More than a decade's experience in advising enterprises on risk management and insurance have shown us that practically every enterprise, when faced with an accident situation involving a large loss, manages to get compensation from their insurance company to the extent of anywhere between zero and 20% only, of their actual loss. This happens because, either the insurance program of the enterprise is not properly designed, or the management of the claims process is not done effectively.