Tadavom
Hasti

Leading independent insurance brokers and
consultants in all class of insurance in Iran
(Tadavom Hasti in Farsi means life continuance)

- Our organization
- Tadavom Hasti industrial and marine division
- Tadavom Hasti risk management division
- Account executive
- Exposure analysis
- Resolution of exposure
- Marketing
- Policy review
- Claims Assistance
- Tadavom Hasti employee benefit

Tel: (+98 21) 88 64 85 60 (10 lines)
Fax: (+98-21) 88 64 85 80
E-mail: info@tadavomhasti.com
Address: Apt 19, No.5, 15th St, Gandi Ave., Tehran 15178, Iran

Our organization

Tadavom Hasti brokerage house is a joint stock company, authorized by central insurance of Iran in accordance with article 66, of central insurance of Iran establishments act (1960) to perform as provider of insurance and risk management services in Iran.

Our main assets rest in unique combination and interrogation of various expertise of our management team. Some with more than 20 years experience in international insurance and risk management. This without any exception has solidified our market position as premier provider of services.

To service insurance and risk management of our local and foreign enterprises clients in Iran and to assist their property, casualty, surety and marine insurance placement we have structured our brokerage firm as follows:

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Tadavom Hasti industrial and marine division:

Which specialized in providing following services:

* Engineering risk
* C.A.R (construction all risk)
* E.A.R (Erection all risk)
* C.G.L (Comprehensive general Liability)
* Marine and Hull Insurance

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Tadavom Hasti risk management division.

Specialists in T.H. under supervision of our managing director analyze loss experience data in order to perform recommendations regarding optional retention /deductible levels for client program. Our
Comprehensive risk management program. Consist of followings.

Risk identification
Risk analysis
Risk avoidance
Risk reduction
Risk retention
Risk transfer

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Account executive

The account executive is the senior Tadavom Hasti individual responsible for your account. The professional has years of experience and expertise in one or more fields of insurance. The account executive is responsible for the evaluation of your risk. The placement of your insurance and coordination between the departments And individuals within our organization and those responsible for insurance in your organization. Your problem is your account executives problems and we consider him/her an integral part of your organization.
It is your account executives job to assemble and lead our team of specialists necessary to meet your daily and unusual needs.

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Exposure analysis

Identification of areas of risk and possible financial loss is an ongoing service we perform in conjunction with you and your operating personnel. Further, your insurance program is constantly reviewed and your loss experience is analyzed to support decision- making.
Our risk management recommendation are phrased in the context of your financial position. Philosophy and plans for the future.

In conjunction with you. We assist in the determination of the limits of liability required to ensure that your assets are properly protected.

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Resolution of exposure

When exposures are identified, we design and recommend the most economical method for the assumption of your risk, based on your risk philosophy and financial needs.
The specialists involved in the analysis and resolution of your risks have diverse backgrounds and skills such as insurance brokering, financial analysis, statistics and loss prevention.

Depending upon your needs, goals and the condition of the insurance market, appropriate alternative for risk transfer may be suggested. These may include self-assumption of some portion of the risk through a deductible, coinsurance or a combination of both. Self-insurance for certain exposures, limiting coverage. I.E. perils for some exposures. Catastrophe insurance.

Once decisions have been reached as to what method or combination of methods should be employed to transfer your risks to others. One of our most important functions commences.

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Marketing

Proper presentation of your company's operations, selection of market and knowledge of market conditions result in superior quotations. Market selection also takes into consideration underwriter's knowledge of your industry and their capability to provide service not just their premium considerations. When all of these elements are properly combined, then and only then is the goal of broad form coverage and economical premium achieved.

Marketing of your risk may involve many specialized personnel, other offices and our re- insurance facilities in order to achieve the required coverage.

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Policy review

Depending upon prevailing conditions in the insurance marketplace and specific exposures, different underwriters can be convinced to provide various extensions of coverage into their policy forms. We can negotiate such customizing of policies, either through endorsements or through manuscript wordings, after thoroughly reviewing your exposures.

Often by educating the underwriter as to the true nature of your specific exposure, we can significantly broaden the coverage provided in your policy at little or no additional cost.

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Claims Assistance

The proof of a properly managed program and correctly written insurance policy is its response when you have a loss and are made financially whole for the portion of the risk you transferred to others. Our claim specialists assist you in the preparation of claim documentation, negotiation with underwriters and achieving the final settlement. At no time are you fending for yourself.

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Tadavom Hasti employee benefit:

This specialized service is provided by our sister company, Iran Assistance incorporated which is the leading organization in employee benefit field. Iran assistance represent five major international assistance companies, International SOS, Europe Assistance, AXA Assistance, Coris, Mapfre Assistance which services more than 100 million members worldwide and in Iran.

Iran assistance hospitalization insurance scheme , Dental coverage , Car assistance and insurance, Jet Ambulance evacuation are unique in its nature and provided facilities.

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