IRDA/CORP/SLA-200000
IRDAI Licensed Surveyors

Astute Insurance Surveyors & Loss Assessors Pvt. Ltd.

An independent and professionally managed surveying firm providing comprehensive loss assessment and claim survey services across India — accurate, unbiased, and timely.

Est. 2013 40,000+ Claims Pan‑India
IRDAI Compliance

Pan‑India Non‑Motor
Claims Experts

Delivering survey reports in strict compliance with IRDAI regulations and industry best practices — trusted by PSU insurers, private companies, banks, and corporates nationwide.

IRDAI Regulated PSU & Private Insurers
Established 2013

40,000+ Claims Handled
with Precision

From routine retail losses to catastrophic industrial events — our senior and fellow surveyors, engineers, and professionals bring the same rigour and accuracy to every engagement, regardless of scale.

Senior & Fellow Surveyors 12+ Years Active
Multi‑Disciplinary Expertise

Licensed Across All Major
Insurance Classes

A strong team of surveyors, engineers, and industry professionals — fully licensed across Fire, Engineering, Marine, Miscellaneous, and Motor for single-firm handling of complex, multi-line losses.

Fire Engineering Marine Liability
Pan‑India Operations

Independent & Professionally
Managed Firm

With principal offices in Delhi, Mumbai, and Lucknow and a nationwide associate network — we deliver consistent, high-quality surveys wherever the loss occurs, no matter how remote the location.

New Delhi (HO) Mumbai Lucknow
01 / 05

Core Strengths

40k
Claims Successfully Handled Of varied nature and magnitude across all insurance verticals
12+
Years Active
5
License Classes
3
Major Offices
Pan
India Reach
Foundation
Consistent Growth & Credibility
Established in 2013, Astute has maintained an unwavering growth trajectory built on transparent practice, expert delivery, and earned institutional trust across insurers and corporate clients alike.
Est. 2013 · 12+ Years Strong
Claim Volume
40,000+ Claims of Every Kind
From routine retail losses to catastrophic industrial events, our surveyors have assessed claims of every magnitude — bringing the same rigor and precision to each engagement regardless of scale.
High Volume · High Complexity
Licensing
Multi-Disciplinary IRDAI Licensing
Fully licensed and compliant across all major insurance categories — Fire, Engineering, Marine, Miscellaneous, and Motor — enabling comprehensive single-firm handling of complex, multi-line losses.
Fire · Engineering · Marine · Misc · Motor
Operations
Pan-India Operational Capability
With principal offices in Delhi, Mumbai, and Lucknow and an associate network spanning major hubs, we deliver consistent-quality surveys wherever the loss occurs — no matter how remote the location.
Delhi · Mumbai · Lucknow · Associates
Client Base
PSU, Private Insurers & Corporates
Strong, long-standing relationships with public sector undertakings, private insurance companies, banks, and large corporates across diverse industrial verticals — built on repeat business and verified performance.
PSU · Private · Banks · Corporates

Comprehensive
Claim Survey
Services

From fire and engineering losses to marine cargo and liability claims — our licensed surveyors deliver defensible, accurate, and timely reports that accelerate fair claim settlements.

Fire & Allied Perils
Industrial, commercial & residential risks
Engineering
Machinery, construction, infrastructure
Marine Cargo
Import, export & inland transit
Liability
Workmen, public, product liability
Get In Touch

Ready to Partner
with Astute?

Whether you're an insurance company, bank, or corporate client — reach out for prompt, professional survey services across pan-India. We'll respond within one business day.

A Decade of
Integrity
in Surveying

Astute Insurance Surveyors & Loss Assessors Pvt. Ltd. was incorporated in 2013 with the objective of providing professional, independent, and technically sound insurance surveying services.

Over the years, Astute has earned the trust of insurers, corporates, banks, and institutions through its unwavering commitment to integrity, transparency, and accuracy in claim assessment.

IRDAI Licensed
Est. 2013
40,000+ Claims
Pan-India Reach
Offices in Delhi, Mumbai and Lucknow with a strong associate network across industrial hubs.
Diverse Clientele
Strong exposure to PSU & Private Insurers, Banks, and Corporate Clients across manufacturing, energy, telecom, FMCG, and financial services sectors.
Technical Expertise

At Astute Insurance Surveyors & Loss Assessors Pvt. Ltd., our strength lies in our multidisciplinary team of highly qualified professionals who bring together technical, financial, engineering, and risk management expertise under one roof. Insurance claims and risk assessments often involve complex technical, operational, and financial aspects that require specialized knowledge for accurate evaluation. To address these challenges effectively, we have a dedicated panel of Chartered Accountants, Engineers, Valuers, Risk Inspectors, and Insurance Professionals who work collaboratively to provide independent, reliable, and technically sound assessments.

Our team combines practical industry experience with technical proficiency, enabling us to investigate losses, identify root causes, assess damages, determine liabilities, and provide fair and transparent claim recommendations. Whether it is a fire loss, machinery breakdown, engineering failure, stock damage, cyber incident, property loss, liability claim, or risk inspection, our experts ensure that every assignment is handled with professionalism, accuracy, and compliance with industry standards.

Chartered Accountants (CA)
  • Financial analysis and verification of claim documents
  • Assessment of stock losses and business interruption claims
  • Forensic accounting and fraud detection
  • Verification of books of accounts and financial statements
  • Quantification of financial losses and policy liability assessment
  • Audit-based review of claim submissions
Mechanical Engineers
  • Machinery Breakdown (MB) investigations
  • Equipment damage assessment and valuation
  • Root cause analysis of mechanical failures
  • Plant and machinery inspections
  • Industrial risk assessments and condition surveys
  • Residual life evaluation and pre-dispatch inspections
Electrical Engineers
  • Investigation of electrical fires and short circuits
  • Assessment of electrical equipment damage
  • Power system analysis and fault diagnosis
  • Evaluation of transformers, switchgears, and installations
  • Electrical risk inspections and safety audits
  • Determination of failure mechanisms and liability
Marine & Transit Specialists
  • Cargo damage assessments
  • Transit loss investigations
  • Loading, unloading, and storage evaluations
  • Marine risk inspections
  • Salvage and recovery assessments
Risk Engineers
  • Industrial and commercial risk inspections
  • Identification of operational hazards and vulnerabilities
  • Evaluation of risk control measures
  • Business continuity and loss prevention recommendations
  • Underwriting support and risk improvement assessments
Civil Engineers
  • Building and structural damage assessment
  • Construction risk inspections
  • Evaluation of collapse, impact, and natural catastrophe losses
  • Assessment of repair and reinstatement costs
  • Structural stability and safety reviews
  • Property valuation and technical surveys
Computer & IT Specialists
  • Assessment of electronic equipment losses
  • Digital asset and IT infrastructure evaluation
  • Cyber incident investigations
  • Data loss and system failure assessments
  • Verification of technology-related claims
  • Software, hardware, and network damage evaluation
Licensed Valuers & Technical Experts
  • Asset valuation and reinstatement value assessments
  • Market value and fair value determination
  • Industrial and commercial property valuation
  • Plant, machinery, and equipment valuation
  • Residual value and salvage assessment
  • Insurance adequacy and underinsurance reviews
Insurance & Risk Management Professionals
  • Policy coverage analysis and liability determination
  • Risk inspection and loss prevention recommendations
  • Claims management and settlement support
  • Compliance with regulatory and industry standards
  • Risk mitigation and business continuity planning

By combining expertise from engineering, finance, valuation, and insurance disciplines, Astute Insurance Surveyors & Loss Assessors Pvt. Ltd. delivers comprehensive and unbiased assessments that stand up to technical scrutiny. Our multidisciplinary approach enables us to provide accurate loss quantification, detailed root cause analysis, effective risk evaluation, and transparent reporting, helping insurers, businesses, and stakeholders make informed decisions with confidence.

Our commitment is to deliver technically sound, professionally independent, and timely solutions that uphold the highest standards of integrity, accuracy, and excellence in the insurance surveying and loss assessment industry.

Vision Mission

To be a trusted and preferred professional surveying organization delivering accurate, fair, and timely claim assessments while upholding the highest standards of ethics and compliance.

01

Technical Excellence

To provide technically robust and defensible survey reports

02

Fair Claim Settlement

To assist insurers in fair and efficient claim settlement

03

Independence & Compliance

To maintain independence, confidentiality, and regulatory compliance

04

Continuous Improvement

To continuously enhance professional competence and service quality

What Makes Us
Different

Independence
Completely unbiased assessments free from any stakeholder influence
Timeliness
TAT-driven delivery culture ensuring claim cycles are never delayed
Confidentiality
Strict information security protocols protecting all client data
Compliance
Full adherence to IRDAI regulations at every step of the process

Our Claim Survey Services

Our Services

Claim Survey, Loss Assessment
and Allied Services

Specialized survey and assessment services across all major insurance lines — delivered with precision, speed, and technical depth.

1 / 4
Fire & Allied Perils Claims

Specialized survey and loss assessment services for Fire & Allied Perils claims involving fire, flood, inundation, storm, cyclone, earthquake, riot, malicious damage, impact damage, and other allied perils. Services include inspection of affected building, plant & machinery, stocks and other assets, cause & origin analysis, verification of damages, reinstatement / replacement evaluation, salvage assessment, policy coverage review, scrutiny of claim documents, and quantification of admissible loss as per policy terms and conditions. We have handled claims ranging from small commercial losses to large industrial claims across diverse industry sectors.

Industrial Commercial Residential Explosion Lightning
1 / 4
Engineering Claims

Specialized survey and loss assessment services for Engineering Insurance claims including Machinery Breakdown (MB), Electronic Equipment Insurance (EEI), Contractor's Plant & Machinery (CPM), Boiler & Pressure Plant (BPP), Contractor's All Risk (CAR), and Erection All Risk (EAR) policies. Services include technical inspection, failure analysis, evaluation of repair / replacement requirements, operational performance checks, reinstatement cost assessment, verification of maintenance records, policy liability review, and quantification of losses as per policy coverage.

Construction Power & Oil Machinery Telecom
1 / 4
Marine Cargo Claims

Comprehensive marine cargo survey and loss assessment services for inland transit, import/export cargo, multimodal transportation, and storage-in-transit risks. Services include inspection of cargo condition, assessment of transit damages, shortage verification, packing & lashing evaluation, container condition checks, salvage assessment, recovery rights evaluation, scrutiny of shipping and transport documents, and quantification of losses under marine cargo policies. We have handled a wide range of cargo losses involving industrial machinery, raw materials, consumer products, project cargo, and containerized shipments across Pan India locations.

Import / Export Inland Transit Loss Prevention
1 / 3
Miscellaneous Claims

Comprehensive survey and assessment services for Miscellaneous Insurance claims including burglary, money insurance, fidelity guarantee, plate glass, shopkeepers, liability, and other miscellaneous policies. Services include verification of incident circumstances, physical inspection, scrutiny of supporting documents, assessment of damages / losses, verification of ownership and admissibility, policy coverage review, and quantification of liability as per policy terms and conditions. With our experienced survey team and centralized support system, we are equipped to efficiently handle both retail and corporate claims.

Bank Indemnity Jeweller Block Burglary Fidelity
1 / 3
Investigation Claims

Specialized investigation services for Workmen Compensation (WC/EC) and Group Personal Accident (GPA) claims involving both injury and death cases. Services include verification of accident circumstances, course of employment analysis, employment and wage verification, dependency verification, hospital & treatment verification, witness statements, field investigation, document authentication, background checks, and liability analysis as per policy terms and statutory provisions. Since 2016, we have been actively handling more than 700 investigation claims annually across Pan India locations.

Workmen's Compensation Public Liability Product Liability Carrier Legal Liability Domestic & International
1 / 3
Risk Inspection & PML

Comprehensive Risk Inspection and Probable Maximum Loss (PML) assessment services for industrial, commercial, and infrastructure risks to support underwriting, risk evaluation, and insurance decision-making. Services include inspection of plant & machinery, storage practices, electrical systems, fire protection arrangements, housekeeping standards, exposure analysis, utility assessment, and identification of operational hazards and loss exposures. Our reports also include risk recommendations, estimated loss scenarios, and PML / MFL assessment for effective risk mitigation and underwriting evaluation. With our experienced technical team and Pan India operational presence, we undertake risk inspections across diverse industry sectors with detailed reporting and timely submission.

1 / 3
Pre Dispatch Inspection

Specialized Pre-Dispatch Inspection (PDI) services for ODC / Non-ODC consignments, tail-end transit coverage, capital goods, used machinery, and industrial equipment. The scope of inspection may include verification of physical condition, working status, operational performance, packing quality, loading & lashing arrangements, dimensions, identification particulars, vehicle document verification, vehicle condition checks, warranty surveys, and other inspection parameters as per the scope assigned by the client for both old and new plants & machinery. These inspections help minimize transit risks and support accurate insurance coverage.

1 / 3
Valuation

Comprehensive property, plant & machinery valuation services for accurate assessment of sum insured, replacement value, reinstatement value, and fair market value. Our valuations support insurance coverage, financial reporting, risk assessment, loan processing, mergers, and effective asset management across industrial, commercial, and infrastructure sectors.

1 / 3
Assets Tagging

Comprehensive asset tagging and asset verification services for industrial, commercial, and institutional establishments to support insurance, valuation, audit, and asset management requirements. Services include physical verification of assets, barcode / QR code tagging, identification marking, serial number verification, location mapping, preparation of fixed asset registers, and reconciliation of assets with available records. Our experienced field and backend team ensures systematic documentation, accurate asset identification, and efficient execution across Pan India locations.

1 / 3
Inspection for Policy Extension

Inspection and compliance verification services for project policy extension and insurance renewal support. Inspection and compliance verification services for project policy extension, operational continuity review, warranty compliance, project progress evaluation, and risk assessment to support seamless insurance policy renewal and extension processes.

1 / 3
Desktop Assessment

Professional desktop assessment services for low to medium severity insurance claims through virtual assessment and document-based evaluation. Services include scrutiny of claim documents, photographs, repair/replacement estimates, invoices, policy coverage review, telephonic verification, and assessment of admissible loss without physical site visit wherever feasible. Our centralized backend team ensures prompt processing, reduced turnaround time (TAT), cost-effective claim handling, and timely submission of assessment reports for efficient claim management.

Serving India's
Most Critical Sectors

Industry-Specific
Claim Expertise

Each industry presents unique challenges in claim assessment. Our surveyors bring sector-specific knowledge that goes beyond general insurance practice.

Manufacturing and Cement Insurance Survey
Heavy Industry
Manufacturing & Cement
Power and Energy Insurance Survey
Energy Sector
Power & Energy
Warehousing Logistics Insurance Survey
Supply Chain
Warehousing & Logistics
Banking Finance Insurance Survey
Financial Services
Banking & Institutions
Telecom Infrastructure
Tower, equipment and network-related claim assessments
FMCG & Electronics
High-volume consumer goods and electronics stock claims
Mining Operations
Open-cast and underground mining equipment and liability claims
Educational Institutions
Campus property, equipment and liability survey services

Trusted by
leading companies

The Experts Behind Every Assessment

01 Director

Sachin Paliwal IRDA/CORP/SLA-73514

B.Tech - Automobile AIII (Marine) IIISLA

An engineer by profession has begun his career in Car Manufacturing industry in the area of quality testing before moving on to the field of insurance in 2005. He had been associated with insurance company and assessed claims reported under fire, engineering, marine, liability & miscellaneous policies. He had attended various in-house workshops on VAT/ CENVAT applicability in insurance claims. In 2010 he had started working as independent surveyor and had extensive experience in managing claims of non-motor portfolio.

20+ Years Experience Marine Engg. Risk Engg. PML
02 Director

Satyendra Shrivash IRDA/CORP/SLA-74964

B.Tech - Automobile MBA IIISLA

He is an expert mechanical engineer with good experience in various areas of manufacturing. Through his good experience he had been conducting risk inspections for fire rating, advising improvement measures related to operational safety, work standards and productivity & for assessment of the Probable Maximum Loss (PML). He had acquired surveyor License in Fire, Miscellaneous and Motor Departments.

20+ Years Experience Fire Misc. Risk Engg. PML
03 Director

Prabhat Srivastava IRDA/CORP/SLA-61168

B.E. FIV IIISLA MIE MCEV MIIA

Started carrier with Renewable Energy Projects (Wind Energy & Solar Thermal Energy) and Food Processing Projects as Project Engineer, thereafter obtained independent surveyor License. In 2010 started carrier independent Associate surveyor. In the meanwhile, in 2009 awarded with Chartered Engineer (Mechanical) by Institution Of Engineers. In 2015, awarded with Wealth Tax Valuer (P&M) License by CBDT and Started carrier as Professional Valuer & Chartered Engineer (Mechanical). In 2021 upgraded to Fellow Surveyor in Fire, Engg., Marine, Misc. & Motor Departments

40+ Years Experience Fire Marine Misc. Risk Engg. Valuer
04 Senior Surveyor

JN Jugran IRDA/CORP/SLA-37071

B.Sc. P.G.D.B.M M.A. AIII IIISLA

He commenced his career in 1979 with M/s. Metcalfe & Hodgkinson (P) Ltd. and their sister concern, M/s. Saurashtra Marine Surveyors. He gained extensive experience working with various corporate and individual surveyors, as well as chartered engineers, before establishing his own practice in 1999. Currently, he serves as a senior surveyor and loss assessor with us. His vast experience, dedication, and exceptional knowledge in the field make him an invaluable asset to our team. His expertise and commitment to excellence ensure the highest standards of service in every project he undertakes. With his unparalleled proficiency and diligent work ethic, he continues to significantly contribute to our company's success and reputation.

40+ Years Experience Marine Engg. CAT Claims
05 Head — Mumbai

Viresh Kumar IRDA/CORP/SLA-122874

B.E. PGDM (Insurance Business)

Academically an engineer with Post Graduation in Insurance Business with 15 years of experience in Insurance Sector. He started carrier in Insurance Industry as Trainee Surveyor and subsequently associated with Insurance Company in handling claims reported under Fire, Engineering, Marine, Liability & Miscellaneous policies. He had also forayed into Insurance Broking Firm (Claims) to understand the perspective of the client servicing. He had acquired Surveyor License in Fire, Marine (Cargo) and Engineering departments.

15+ Years Experience Fire Marine Engg. Risk Engg. CAT Claims
06 Senior Surveyor

Harish Kohli IRDA/CORP/SLA-120405

B.Com DFA AIII AME DGCA (Drone Pilot)

He has massive experience of 12 years in insurance industry as a surveyor and loss assessor on senior level in reputed surveyor companies with international exposure like Proclaim ISLA (formerly known as Cunningham Lindsey International ISLA) & Team ISLA. He has an exposure to worked with almost all the Insurance Companies (both PSU and Private Sector). During employment he had executed the work with pressure handling tactics, client servicing, skills and knowledge in handling complex claims for both retail and corporateclients. He has lead a team for handling the frequency claims / desktop level claims (both marine and non-marine) managing deliveries within TAT. Exposure of handling the international claims under Marine department of Insured (M/s Emami Limited).

12+ Years Experience Fire Marine Misc. CAT Claims
07 Senior Surveyor

Mahesh Kumar IRDA/CORP/SLA-120890

FIII LLB

He brings 14 years of extensive experience in the insurance industry as a Surveyor and Loss Assessor, having worked at senior levels with reputed surveyor firms (M/s Proclaim ISLA (formerly known as Cunningham Lindsey International ISLA & S Soni & Co. ISLA.) Starting his career as a Trainee Surveyor, he later obtained his Surveyor License in Fire, Marine (Cargo) and Miscellaneous segments. He has handled a wide range of Fire, Marine, Liability, and Miscellaneous claims and has worked with almost all major PSU and Private Insurance Companies. His expertise includes managing complex retail and corporate claims, leading teams for high-frequency (marine and non-marine) claims, and ensuring delivery within TAT. His experience spans stock loss, third-party liability (product, public, carrier legal liability), CAT claims, and intricate losses involving stock, plant and machinery, and buildings.

15+ Years Experience Fire Marine Misc. CAT Claims

Where India Does
Business, We're There

3
Own Offices
PAN
India Network
40K+
Claims Handled

Our Three National Offices

Head OfficeNew Delhi

D-140, 2nd Floor, Patel Garden,
Above Saras Medical Service,
Sector-15, Dwarka, Kakrola,
New Delhi – 110078

Regional OfficeMumbai

F-11, 1st Floor, Nano Wing,
Haware Fantasia Business Park,
Sector 30A, Vashi,
Navi Mumbai – 400703

Regional OfficeLucknow

Office No.17, 2nd Floor,
Jeevan Plaza Complex,
Viram Khand-5, Gomti Nagar,
Lucknow – 226010

Satellite Offices

ACTIVE NODE

Beyond Our Offices — Truly Pan-India

Our associate surveyor network extends our reach to all major industrial corridors, port cities, and commercial centres across India. Wherever a loss occurs, Astute can respond rapidly and professionally.

Ethics. Integrity. Compliance.

Governed by IRDAI Standards

IRDAI Regulatory Compliance
Astute Insurance Surveyors & Loss Assessors Pvt. Ltd. strictly adheres to the regulations, guidelines, and code of conduct prescribed by the Insurance Regulatory and Development Authority of India (IRDAI).
  • Maintaining independence and impartiality in all assignments
  • Avoiding conflicts of interest at every stage
  • Ensuring confidentiality of all client information
  • Delivering fair, accurate, and transparent survey reports
  • Upholding ethical and professional standards at all times
IRDAI Licensed Surveyor & Loss Assessor
Independence & Impartiality
Every survey is conducted with absolute independence. Our surveyors operate without any influence from insurers, brokers, or policyholders — ensuring that all assessments reflect factual, evidence-based findings.
Confidentiality Assurance
All client information, documentation, and survey findings are maintained with strict confidentiality. Information is shared only with authorized insurers and relevant stakeholders as required by the engagement.
Professional Development
Our team continuously enhances professional competence through ongoing training, staying current with IRDAI updates, industry developments, and emerging survey methodologies.

IRDAI Disclaimer

Astute Insurance Surveyors & Loss Assessors Pvt. Ltd. is an IRDAI-licensed surveyor and loss assessor firm. All surveys and assessments are carried out independently and in accordance with the provisions of the Insurance Act, IRDAI (Insurance Surveyors and Loss Assessors) Regulations, and applicable policy terms and conditions.


The survey reports issued by the company are based on information, documents, and evidence made available at the time of survey and are intended solely for the use of insurers and concerned stakeholders. The company does not accept any liability for decisions taken based on incomplete or subsequent information.

Get in Touch with
Our Team

HR Info
Working Hours
9:30 hrs to 6:30 hrs
Office Locations
01 Head Office
New Delhi
D-140, 2nd Floor, Patel Garden, Sector-15, Dwarka, Kakrola, New Delhi – 110078
02 Branch Office
Mumbai
F-11, Haware Fantasia Business Park, Sector 30A, Vashi, Navi Mumbai – 400703
03 Branch Office
Lucknow
Office No. 17, Jeevan Plaza Complex, Viram Khand-5, Gomti Nagar, Lucknow – 226010