http://www.ssonisurveyors.com

Since 1987

Our Firm S.Soni & Co. started operating in January 1987 as a proprietorship concern with Mr. Sanjeev Soni

as the Proprietor. He is a Fellow Chartered Accountant (FCA) and Fellow of Indian Institute of Insurance

Surveyors & Loss Assessors (FIISA) having wide experience in the field of Fire, Misc., Marine and LOP

insurance claims survey & loss assessment and investigations. Our efficient reporting makes it possible for

the client & insurer’s to fully appreciate and understand all aspects of case in hand.

Our people are highly educated and responsive to the needs of our clients and take stress in its stride. We

achieve this by keeping good and hardworking employee and personal assistance.

SSC provides professional services to the insurance market. We aim to combine our expertise with global

coverage and local knowledge for each Assignment

Our Firm S.Soni & Co. (SSC) is having categories as under:

Fire “A”, Marine “A”, Misc. “A”, LOP “A”

Our Team

Sanjeev Soni, B. Com(H), FCA, FIISA

Proprietor, qualified Chartered Accountancy in 1986. He is a Fellow Member of The

Institute of Chartered Accountants of India and Insurance Institute of India. Has

experience of over two and half decades as Surveyor & Loss Adjustor. He has done

surveys all over India, Nepal, Kuwait, USA and Canada. He is considered to be expert

in Fire, Marine, Misc., LOP claim assessment and investigations.

Ex. Joint Convenor Insurance Study Group of NIRC of ICAI

Ex. Convenor Insurance Study Group of NIRC of ICAI

Ex. Advisor Insurance Study Group of NIRC of ICAI

Ex. Member Insurance sub-committee of Banking and Finance of PHD Chamber

of Commerce

Ashok Khurana, BE.Mech.

Qualified as Mechanical Engineer in 1976 has a wide experience of over 22 years as

surveyor and loss assessor having License no.21740 with our firm in the field of fire,

marine, Misc. and investigations of claims.

Profile

CA. Rajeev Aggarwal, B.Com, FCA, GDMM

Qualified Chartered Accountant in 1988, working as Surveyor & Loss Assessor for last

many years. He has exposure to marine, fire, & misc. Claims.

CA. Tilottam Kumar, B.Com, CA

Qualified as a Chartered Accountant in 2003 has experience of 9 years in Fire, Misc.,

Marine & LOP claims as surveyors and loss assessor having License No.74689

CA. Raj Kumar Gupta, FCA

Chartered Accountant working as Surveyor & Loss Assessor for last many years with

our firm is having a experience of fire, marine & misc. claims.

Puneet Sohal, B.Arch

B,Arch from School of Planning and Architecture, New Delhi in 1983. He is a member

of council of Architecture, Associate member of Indian Institute of Architects. He is

associated with our firm since 1990 and handled valuation and loss assessment of

building, external development, interiors, furniture, fixture, fittings of various sizes and

magnitudes in India and Nepal.

Dijo Mathew, Be.Mech.

Graduated in Mechanical Engineering in 1994. Since then he is working as surveyor

and loss assessor in the field of fire, marine, Misc. & LOP claims.

Our Approach

SSC has set new standards in loss adjusting and surveying

services. We are thorough; exploring every possible avenue

before making recommendations. We are innovative and

collaborative, often suggesting ways forward which haven’t

previously been considered. The most effective solutions often

result from open discussion with our clients and we ensure that

regular communication is maintained. We never believe that we

know all the answers and offer complete ongoing accountability.

The consistent growth of SSC since its founding is evidence of

how clients value our dedication to high quality service. Our

technical excellence is recognised by those who commission us

to undertake assignments nationally and internationally.

The most important factor in determining quality of service is people. We probably have the highest

percentage of qualified staff for all major loss assessment. The range of our expertise allows us to put

together the ideal team for any particular project wherever it is located in India or outside India.

All personnel at SSC are highly motivated and responsive to client requirements. We maintain this culture

through providing better rewards and being a good employer. Though our technical staff are often required

to travel extensively, we maintain a supportive working environment for employees and do not make

unreasonable demands on their private lives.

Providing a superior service involves using the latest technology. We provide reports and documents in

electronic formats and we are always embracing new technologies, evaluating how they might improve the

service we offer.

SSC have a local office network in Delhi, Lucknow and Yamunanagar (Haryana) so our clients always have

access to local knowledge and support services.

01. Banking & Financial (Misc. Policy Claims)

We can offer a rapid response to Financial Institution claims in India.

Activities

We service a diverse range of Financial Institution risks, including:

Bankers' indemnity Policy

Cash in transit

Safe deposit box

Errors and omissions

Commercial crime

Stockbrokers

Computer crime

Fidelity

Approach

We ensure our clients are kept fully informed throughout the investigation and adjustment of Financial

Institutions claims. Key coverage issues are identified and communicated at an early stage.

Our Adjustment Process Involves

Extensive review of the documentation appropriate to each individual risk

Analysis of policies in conjunction with the proposal form

Ensuring any recovery possibilities are quickly pinpointed and pursued

Local knowledge means that we can provide authoritative comment on local practices and Legal

requirements

Recent projects

Cash-in-transit robbery for various Banks

Employee dishonesty claims resulting corores of rupees losses

Armed robbery from Financial Institutions

Various types of frauds in banks.

Services (Survey & Loss Assessment)

02. Business Interuption (Loss of Profit Policy Claims)

At SSC, we understand that being proactive and establishing early control is key to the successful handling

of any business interruption loss. In addition, we have significant experience in accounts.. Where

appropriate, our team of Chartered Accountants work to achieve the best possible outcome in this critical

category of the insurance sector.

Approach

Business Interruption losses can be extremely complex and require a prompt and well-managed approach.

Where required, we draw upon the expertise of specialists, including engineers and Chartered

Accountants. We understand that we have an important role to play in identifying loss mitigation measures

and savings. At the outset of our site investigations, we ensure that all critical production and financial data

and marketing information are secured for analysis to determine the effects of the loss upon the business.

By maintaining constant contact with the Insured and through regular team meetings, we monitor loss

projection and keep our clients fully updated.

Activities

Our team of experts are familiar with:

Indian Market derivative business interruption wordings

Operational risks and issues relating to Loss of Profit

Standard difference wordings

Net profit plus standing charges

Dual basis and output method of calculation

Recent Projects

We have dealt with major Business Interruption issues resulting from the following:

Business interruption due to Brake down in various plants.

Business Interruption due to Fire in various plants.

03. Catastrophe Handling (Fire Policy Claims)

SSC have a well-earned reputation for efficient and effective handling of catastrophes. We are pre

nominated on a number of accounts in the event of a catastrophic event occurring and our cost-effective

service has drawn positive client feedback from all over India.

Approach

We have developed a comprehensive response plan which can be customised to meet the specific

requirements of each individual client. Key features of the response plan include:

Effective management of any catastrophe operation

Rapid mobilisation of our response team

Efficient handling of information flow and bordereau requirements

Strong communication and early reserving information

Activities

Our highly qualified team of adjusters, led by dedicated senior staff, have been handling individual

catastrophe losses and managing team operations nationally for many years.

Recent Assignments

We handled many claims flood claims in Mumbai, Surat & Chennai.

We handled many claims at Kandla & Orissa due to cyclone.

We handled many claims due to riots at Ahmedabad.

We handled many claims due to flood at Bhopal.

Handelled many claims due to earth quake at Gujrat.

04. Commercial & Industrial Property Claims (Fire Policy Claims)

Activities

Our proven experience in dealing with property claims ranges from the local to the multi-national and

includes a diversity of commercial business and industrial processes.

Key Features of Our Service Include

Identification of the key drivers enabling prompt reinstatement or repair

Early identification of loss mitigation areas

Focus on brand protection and business restoration

Co-ordination of effective reinstatement

Maximisation of business recovery from day one

Our dedicated team of specialists includes local personnel who possess essential language skills and are

able to identify important jurisdictional issues.

Approach

We provide clients with effective and robust management of all claims including early identification of

recovery issues.

Recent projects

Major fire at Garment manufacturing Factory in Gurgaon

Major fire in Bulk Drug factory in Baddi,

Major fire in Cold Storage in Kuwait

Major Fire in Cotton Godown in Ludhiana

Major Fire in Medical Equipment warehouse in Delhi

Major Fire in Distilleries in Ambala & Khatoli.

Major Fire at Printing Units in Delhi & Faridabad

Major Fire in Chemical manufacturing unit in Faridabad,

Major Fire in Paper godowns in Delhi

Major fire in Paper Manufacturing units in Ludhiana and Muzaffarnagar.

Major fire in Automobile parts manufacturing unit in Noida

Major Fire in Spinning Mill in Nepal

05. Marine Insurance Claims

We are handling Marine Cargo Insurance claim, cargo loss investigation, liquid dry bulk cargo claims and

underwriting aspect in overall India to cater to various clients and Insurance companies.

SSC is considered one of the pioneers in matters related to Marine Insurance cargo claims and Machinery

claims throughout India.

We are considered at the vanguard of Loss prevention and Risk Minimization surveys and many MNCs

have hired our services to lower their loss ratios. Our opinions on packaging and transportation safe

practices are widely appreciated and more and more clients and insurance companies are approaching us

to work in conjunction with them to minimize losses.

We undertake all types of surveys ranging from Marine Cargo damage surveys.

Recent projects

Loss due to flood & Fire in storage godowns

Loss due to fire and accident in the transporting vehicles,

Loss due to jerks and jolts during transit

Loss due to heavy rain in transit

Loss due to hijacking of vehicles during transit

06. Liability Policy Claims

Approach

We have a thorough and detailed approach that focuses on prompt resolution. Our aim is to avoid litigation

and minimise conflict, yet we also strive to identify a fair indemnity under the terms of the policy coverage.

Activities

We have skills in the following areas:

Employers' liability

Personal injury

Public liability

Product liability

Product recall

Professional indemnity

Features of our service

Detailed initial investigation identifying relevant relationships, parties, contracts, statute, tort and

chronology of events

Specific service tailored to the quantification and handling of injury cases from desk top to litigation,

including surveillance

Quantum enquiries

Experience in pollution, environmental risks, structural collapse, mechanical breakdown as well as

most manufacturing, contractor and retail processes and food chain losses

Desktop investigation including case management

Recent Projects

Major Product Liability claims in Torronto, Canada

Major Carrier Liability claims in Delhi

Major Public Liability claims

Employers Liability claims

07. Credit Risk (Misc. Policy Claims)

Our staff are considered experts in Credit Risks with many years experience. Based from our Delhi Office

we travel extensively throughout in India providing a dedicated service for the insurance, banking and

trading communities. The team, working with intermediaries, brokers, risk managers and other

professionals assist in the determination of liability, quantum and recoveries. We maintain a traditional loss

adjusting role with our staff of qualified loss adjusters providing an independent expert view for the benefit

of all parties.

Share Brokers Insurance

We provide a complete catch all investigation process covering the allied covers of NSE and DSE policies.

We have worked on many of the major claims in the field and are ideally placed to provide immediate

accurate investigation services.

Credit Insurance

Fluctuations in the world economic marketplace has raised the profile and use of credit insurance over the

last decade. Our team has extensive knowledge of the insurance products available and the investigation

process required for this type of claim. Cases are investigated quickly and discretely with detailed reports

produced to allow principals to form a view on insurance coverage and extent of loss. We are able to deal

with matters worldwide making use of our extensive office network for local and translation facilities as

required.

Recent Projects

Travel Agents Default/ Risk

IATA Credit Risk Insurance Policy Claims

08.Other Misc Policy Claims

A. Personal Line Claims

Office umbrella policy claims

House holder policy claims

B. Commercial Line Claims

Burglary policy claims

Shopkeepers policy claims

Jeweller`s block policy claims

Contractor all risk policy claims.

Our Approach & Adjustment Process

We ensure proper survey & investigations into the claim from books records, documentary evidences and

physical inspection & photographs.

Recent Projects

Burglary claims in house, godowns, factories, shops etc.

Jewellry claims in varies showrooms & exhibitions.

Losses to contractors at site.

09. Risk Surveys (Inspection)

The depth of our local and regional expertise has resulted in frequent requests from Insurers and Brokers

to carry out risk surveys.

Activities

We bring together experienced risk survey personnel with a range of surveying, engineering and industry

backgrounds.

Approach

We customise our risk survey reports to meet the needs of each individual client. Our service

encompasses:

Comprehensive full-risk evaluation exercises through to brief reports

One-off or ongoing processes

Full valuation including Building, Plant & machinery as required

Follow-up process to ensure implementation of risk improvement measures

Drawing on our experience, we can create industry workshops and educational forums, fully tailored to

your business needs.

We can also produce in-house training for your teams, including the preparation of educational material

and delivery of seminars at your site.

Our training can cover the broad base of loss adjusting and risk control, or specific technical aspects of

losses that may affect your own risk portfolio.

Recent Projects

Manufacturing industries including MS Pipe Manufacture, Cold Drink Manufacture, IT Companies,

Industrial

Public liability

Hydro-electric project

10. Seminars

The depth of our local, regional and international loss expertise has

led to regular requests from various insurers, The Institute of

Chartered Accountants on India and brokers to develop training

seminars and workshops for their staff.

11. E-Auctioning / Salvage Disposal

Through tenders as per CVC Guidelines.

E-Auctioning through our web site “www.justauction.in”

Agro based Industry

Application Software

Banking

Breweries/ Distilleries

Building

BPO

Cement

Construction Equipment

Consumer Electronics

Cotton Industry

Dairy and Food Products

Electronics and Communication

Fertilizer

Financial Services

Food Processing

Footwear Industry

Glass Industry

Garment Manufacturing

Handicraft

Home Furnishing

Hospitality

Household Appliances

Industrial Machinery & Tools

Information Technology

Infrasture, Highways, Road, Bridges

Jute and Cotton Industry

Our Experience

Medical Equipment

Metal- Ore Processing

Office Equpment

Oil and Gas pipelines

Packaging Industry

Paint, Petrochemical

Paint & Petrochemicals

Pharmaceuiticals

Plastic Industry

Power Plants, Hydel, Thermal,

Process & Chemical Industry

Publishing Industry

Pulp & Paper Industry

Rolling Mills

Semi Conductors

Sporting Goods

Stationery and Printing Industry

Steel

Super Markets

Textile Industry

Tobacco Industry

Toys & Games

Tunneling

Utensils,

Utilities, Boiler, Pumps, Compressor, HVAC etc.

Details of industrial survey experience (Industry wise as under)

Account Names S.SONI & CO. SANJEEV SONI & CO.

Type of Accounts

Bank Account No.

Bank Names

Branch Address

IFSC Codes

MICR NO.

Pan No.

S T Reg. No.

Current Account Current Account

52905005836 011707300001563

Standard Chartered Bank South Indian Bank

Karol Bagh, New Delhi Karol Bagh, New Delhi

SCBL0036030 SIBL0000117

110036009 110059003

AANPS6198N

AANPS6198NST001

Bank Details

1047/16, Hari Singh Nalwa Street Karol Bagh, New Delhi.110 005 INDIA

Phone: +91-11-28754476, 28753387, 41546067, 45637269

FAX: +91-11-41546067 Mobile: +91-9810117269, 9811386632E-mail: ssonico@rediffmail.com

info@ssonisurveyors.comWebsite: www.ssonisurveyors.com

Branches: Lucknow and Yamunanagar

Surveyor Licence No.: SLA 15006Expiry: 4th Feb. 2017

Since 1987