About us

Most businesses meet their risks at the worst possible moment.

Sent Risk Advisory exists so that you meet them first. We advise Indian businesses on corporate insurance and on the risks of trading across borders, through IRDAI-licensed professionals, and we are not tied to any one insurer's product range.

The gap we work in

An insurance policy is a promise written by someone else, in language that also limits it. A trade contract is a set of obligations that look simple until goods are delayed, damaged or disputed. In both cases, the detail that decides the outcome is rarely the detail that gets read.

Our work is to read it first. We look for where a business is genuinely exposed, where its own paperwork contradicts itself, and what it would cost to close the gap, and we put that in front of you in plain language before a loss forces the conversation.

That sounds modest, and it is. Most expensive surprises in insurance and trade are not unforeseeable. They are foreseeable and unexamined.

Cover that looks adequate on the day you buy it is the cover that disappoints on the day you claim.

The idea behind how we review every programme

Why insurance and trade sit under one roof

Corporate insurance is where we began. Export and import advisory grew out of it, because a manufacturer that starts trading abroad does not take on one new risk. It takes on a chain of them.

The delivery term in your sale contract decides who must insure the goods and when the risk passes to the buyer. The documents decide whether a claim can be proved. The policy decides whether it is paid. When separate advisors handle each piece, those decisions are made in isolation and meet for the first time during a dispute. We built the trade practice so that they are made together.

Corporate Insurance Advisory

For what you own and what you are liable for. Assessment, programme design, placement, policy review and claims support.

Export and Import Advisory

For what you ship and what you sign. Readiness, documentation, Incoterms, logistics coordination and cargo cover.

One team, one set of facts, and a contract that never contradicts your cover.

What we hold ourselves to

Four commitments we apply to every engagement, whatever its size.

Exposure first, product second.

We begin by working out how your business can lose money or time. Only then do we look at insurance or trade arrangements, so that what we recommend answers a real problem.

Reasons in writing.

Every recommendation arrives with the thinking behind it, so you can test our advice, challenge it, and show it to your own board or auditors.

The fine print, read in advance.

Exclusions, warranties, delivery terms and document requirements are where outcomes are decided. We read them closely so that you do not discover them during a claim.

Honest about what you do not need.

Sometimes the right advice is to keep what you have, drop a cover, or delay a shipment. We will say so, even when it means a smaller engagement.

Questions we help businesses answer

The kind of question that is easy to ask early and expensive to ask late.

Is our property insured at today's replacement cost, or at last decade's?Under-insurance is common, and it reduces what a claim pays.
What would a month without this plant actually cost us?Business interruption cover is only as good as the figures behind it.
Who is responsible for the goods once they leave our gate?The answer comes from the delivery term, and it should match your insurance.
Does our cargo policy follow the terms in our sale contracts?A gap between the two is where claims are disputed.
Are our shipping documents consistent with each other?Small mismatches can delay clearance and weaken a claim.
What does this policy exclude that we assumed it covered?Better to find out from us than from the insurer's letter.

Who is behind the advice

Sent Risk Advisory operates under Sathya Axis Enterprises. Insurance advisory and placement are carried out through IRDAI-licensed professionals, in line with the applicable regulatory framework and subject to the terms and conditions of the insurer.

Export and import advisory is guidance. It does not replace licensed customs brokers, freight forwarders or legal advisers where the law requires them, and we will say so when your situation calls for one.

Start with a conversation about your business.

Tell us what you are protecting or where you want to trade, and we will propose a scope of work.