Our Promise to You

Our mission is to make insurance smarter, more customised, and undeniably effective. We are challenging the status quo to prove that the future of insurance isn't just about covering loss—it's about empowering businesses with the precise protection they need to thrive.

With RiskCube, you get more than a policy. You get a strategic advantage: a smart, tailored, and contractually sound solution that truly works for you.

Reinventing Broking
for Modern Risk

With over 25 years of experience building businesses and in leadership roles, Amer Haleem founded RiskCube with a core belief: insurance, when used the right way, can be an immense tool for value creation. He is dedicated to shifting the paradigm from insurance as a cost to insurance as a strategic asset.

The risk landscape—shaped by geopolitical instability, technological shifts like AI, supply chain disruptions, and climate events—is evolving too quickly for traditional policies. We believe broking must evolve with it.

Risk isn't a checklist; it's a dynamic environment demanding a proactive strategy that turns uncertainty into opportunity.

Our Core Pillars:
How We Deliver Value

Our approach is built on four pillars that redefine the role of insurance.

Data-Driven Structuring

We merge advanced data analytics with industry experience to custom-build your insurance program, optimising for the right cost, optimal coverage, and a superior outcome.

Deep Insight

Our team transforms complex analytics into clear, actionable strategies. We don’t just present data; we translate it into solutions that give you a competitive advantage.

Engineered Products

We don’t just sell policies; we engineer them. We forge bespoke insurance products crafted for the specific risks and opportunities of your business.

Contractual Certainty

An insurance policy is a promise to pay. We ensure that promise is clear, robust, and free from ambiguity, giving you confidence in your claims recovery.

Our Offerings to You

We provide a comprehensive suite of services, from bespoke insurance
programs to advanced risk analytics, to manage risk strategically.

Commercial & Specialty Insurance

We design bespoke insurance programs that align with your industry-specific risks and business objectives. Our integrated solutions safeguard operations, assets, and leadership from a spectrum of exposures.

  • Property & Business Interruption: Coverage for physical damage and resultant revenue loss. Ideal for factories, warehouses, offices, and hospitality.
  • Liability Insurance: Comprehensive coverage for third-party injury, product faults, board-level decisions, and professional negligence.
  • Marine, Transit & Cargo: Protection for inland, coastal, and international shipments including multimodal transit and warehousing.
  • Cyber Risk Insurance: Coverage against data breaches, malware, ransomware, and regulatory liabilities under global data protection laws.
  • Group Health & Employee Benefits: Structuring tax-efficient and morale-boosting benefit schemes.
  • Project & Engineering Risks: Comprehensive protection for infrastructure and industrial projects from blueprint to commissioning.
  • Specialty Lines: Niche covers for credit defaults, aviation, environmental damage, political unrest, and high-stakes events.
Reinsurance Placement & Advisory

We work with insurers, MGAs, and risk carriers to optimise capital utilisation and mitigate volatility via domestic and international reinsurance arrangements.

  • Treaty Reinsurance: Structuring proportional (quota share, surplus) and non-proportional (XoL, stop-loss) programs.
  • Facultative Placements: Expert risk-by-risk placement of large or complex risks in global markets—property, engineering, energy, cyber, liability, and beyond.
  • Catastrophe & Aggregate Covers: Tailored structures to protect against peak events (earthquake, flood, etc) and aggregate losses.
  • Alternative Risk Transfer: Parametric models, sidecars, and multi-trigger contracts enabling access to capital markets.
  • Employee Benefit Reinsurance & Microinsurance: Structuring tax-efficient and morale-boosting benefit schemes.
  • Weather Derivatives & Agri-Reinsurance: Indexed solutions to protect agri-businesses from climate volatility.
Risk Analytics & Modelling

We harness actuarial, statistical, and AI-powered tools to convert data into strategic decisions.

  • Catastrophe Modelling & PML Analysis: Using global and India-calibrated models to simulate loss scenarios and support underwriting.
  • Exposure Mapping & Aggregation Controls: Real-time visibility on risk concentrations—across geographies, occupancies, or perils.
  • Predictive Claims Modelling & AI-Driven Fraud Detection: Enhancing loss ratio performance with data science.
  • Cyber & ESG Scenario Simulation: Measuring resilience to cyber threats and scoring ESG-related exposures.
Global Program Structuring

We empower Indian corporates, MNCs, and exporters with globally coordinated, locally compliant insurance strategies.

  • Controlled Master Programs (CMPs): Unified risk management with local policy issuance, backed by a global umbrella cover.
  • DIC/DIL Coverage: Bridging coverage and limiting gaps between master and local policies essential for MNCs.
  • Admitted & Non-Admitted Placements: Navigating jurisdiction-specific licensing and tax requirements with precision.
  • Captive Feasibility & Structuring: Advisory on setting up single-parent or group captives, under Indian and global norms.
  • Employee Benefits Coordination & Pooling: Integrating multi-country benefit plans for efficiency and funding advantage.
  • Passporting & Freedom of Services (FoS): Enabling seamless insurance deployment across regulated zones like the EU, ASEAN, and GCC.
  • Tax-Optimised Program Design: Incorporating transfer pricing and premium allocation strategies to enhance cost-efficiency.

From Our
Co-Founder

With over 25 years of experience building businesses and in leadership roles, Amer Haleem founded RiskCube with a core belief: insurance, when used the right way, can be an immense tool for value creation. He is dedicated to shifting the paradigm from insurance as a cost to insurance as a strategic asset.

His rich experience in global insurance markets and structuring bespoke programs gives clients a distinct competitive edge. This deep expertise is the bedrock upon which RiskCube is built, ensuring every solution is engineered not just for protection, but for growth.

Amer's mission is to deliver what businesses have consistently demanded: a genuine partner in their risk management.

Co-Founder & Managing Director, RiskCube

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