PREMKUMAR R

Dedicated and accomplished Head Insurance Surveyor & Loss Assessor (non-life insurance) with an extensive background in 
the insurance industry
• Proficient in conducting meticulous motor assessments and evaluating claims to ensure fair and accurate settlements
• Proven track record of leadership and expertise with skills in managing surveying teams, optimizing claims processes, and 
delivering superior customer service
• Adept at navigating complex insurance policies and regulations along with driving efficiency, reducing risks, and upholding
the highest standards of accuracy and integrity in the field
• Staying up-to-date with industry trends, regulations, and best practices related to insurance assessments

Claims Handling & Investigations - Damage Assessment - Risk Assessment and Mitigation 
- Underwriting Operations - Evaluation of Liability Exposure - Policy Interpretation 
- Records Management - Loss Reduction - Customer Escalations

Since Nov 2018 Self Employed, Cochin as an Insurance Surveyor & Loss Assessor
Key Deliverables
• Claim Assessment: Conducting on-site inspections to assess the extent of damage or loss to insured properties or assets 
• Site Inspections: Conducting on-site inspections, assessing loss or damage, and preparing detailed reports for insurance 
companies to facilitate the claims process
• Documentation: Documenting all relevant information, including photographs, reports, and statements, to support claim 
evaluations 
• Policy Review: Analysing insurance policies to understand coverage, terms, and conditions relevant to the claim 
• Estimation: Accurately estimating the cost of repair or replacement of damaged items or motor
• Report Preparation: Creating comprehensive assessment reports detailing the nature and extent of damage, causation, and 
estimated costs of recovery 
• Loss Minimisation/ Negotiation: Collaborating with insurance companies, policyholders, and other stakeholders to negotiate 
fair and equitable settlements so as to reduce the loss of the organisation
• Regulatory Compliance: Ensuring compliance with all applicable insurance regulations and guidelines 
• Risk Assessment: Identifying high-risk scenarios and providing recommendations for risk mitigation 
• Legal Support: Providing expert testimony and support in legal proceedings related to insurance claims if required
• Customer Service: Maintaining strong customer service skills, effectively addressing the concerns and inquiries of 
policyholders
Jun 2007 – Nov 2018 with HDFC ERGO GIC Ltd., Kerala as Assistant Vice President (Motor Claims)
Highlights
• Managed the entire responsibility for Motor Insurance claims across Kerala 
• Supervised and controlled the profitability of different business channels, including Banc assurance, Motor, Agency, Direct, 
Retail, and broking 
• Led a team of 26 Surveyors across Kerala and additional 15 in-house Surveyors
• Ensured improved profitability by meticulously monitoring performance of each business channel and its associated claims
• Reduced loss ratios by maximizing the redirection of vehicles to approve repair networks to minimize loss ratios 
• Maintained a 100% settlement ratio each month and adhered to the average claim size specified by management 
• Achieved 100% Grievance Resolution within a 48-hour timeframe
• Actively took part in Branch Audits and Legal Compliances by conducting monthly on-site visits to review claims services at 
various locations 
• Monitored thoroughly turnaround time for policy issuance and claims processing and analysed daily reports from Surveyors 
to ensure compliance 
• Bagged Certificate of Appreciation from the CEO and Head of Department for achieving top performance in the Claims 
Premier League 2015-16 on three separate occasions

Conducted detailed analysis of claim outgo by model, agent, and location and handled the promotion of in-house surveying 
and repairability
PREVIOUS ASSIGNMENTS
Bajaj Allianz GIC Ltd., Calicut & Goa Senior Service Engineer - North Kerala & Goa Jul 2005 – May 2007
College of Engineering, Perumon Adhoc Lecturer (Mechanical Engineering) Apr 2003 – Jun 2005 
CARES, Kollam Service Engineer Nov 1995 – Mar 2000
(Centre for Automobile Repairs & Engineering Services)

ACADEMIC CREDENTIALS
2020 M.Tech. (Mechanical – Specialisation Production Engineering) from School of Engineering, Cochin University of 
Science and Technology (CUSAT) with First Class
2003 B.E. (Mechanical Engineering) from P. S. N.A College of Engineering & Technology, Dindigul, Tamil Nadu with 
Distinction
1995 Diploma in Mechanical Engineering from S.N Polytechnic, Kottayam, Kollam, Kerala with Distinction
(State Board of Technical Education, Kerala)
2013 MBA (Marketing Management) from Sikkim Manipal University (Distance Education)