Sargam Insurance Brokers Pvt. Ltd. is an IRDAI-licensed composite broker placing personal, employee-benefit and commercial risk across India's insurer market — and fighting the claim when it comes.
An insurance agent represents one insurer. A broker represents you. As a composite broker we hold both life and general licences, so one team can look at your plant, your projects, your fleet, your employees and your family cover — and place each with the insurer who genuinely writes it best.
Sargam was founded by Yash, taking the family's Sargam name from a product business in electronics into a service business in insurance. The name stayed for the legacy; the discipline came from underwriting and claims.
Today 35 people work out of three offices — Delhi, Uttar Pradesh and Bihar. No single insurer pays our loyalty. You do. That changes everything about how a claim gets fought.
Most brokers stop at placement. The value shows up in the three things that come after it.
You get named people, not a ticket number. These are the three who own placement, claims and motor — and they are the ones you will actually speak to.
When you come on board we look at the lines you have actually bought, and assign a team against them. Take only fire cover and you get a relationship manager and a claims manager. Add a group mediclaim and a service manager plus an operations manager join the account. Each of them has been doing that same job, for that same kind of client, for years — we do not rotate people through desks to fill gaps.
Infrastructure contractors, manufacturers, hospitals, hotels, fintechs and retail brands — across property, project, transit and employee-benefit programmes.