BRD INSURANCE BROKERAGE LTD COMPANY PROFILE

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1 BRD INSURANCE BROKERAGE LTD COMPANY PROFILE OUR BACKGROUND BRD Insurance Brokerage Limited (BIB Ltd) is an independently operated subsidiary of BRD. The Company was formed officially in June 2013 as a result of the general need for a trusted client oriented insurance brokerage to aid business, corporate, healthcare and personal insurance needs. With head offices in Kigali at Rwanda Development Bank premises (BRD Building), and soon planning to have representatives in all provinces of Rwanda, we are committed to making life easy through building lifelong relationships. BIB ltd is a well-respected and continually expanding independent commercial insurance broker providing a wide range of cost effective insurance solutions aimed at both the commercial and private sectors. As an independent insurance broker, with unrestricted access to the market, we are able to source the correct insurance product for our client s requirements at extremely client friendly and competitive rates. Our Vision: To be the leading and most reliable insurance brokerage in Rwanda YOUR PROTECTION IS OUR CONCERN 1

2 Our Mission: To offer creative, cost-effective solutions tailored to our client s insurance and risk management needs Our Motto: Your protection is our concern Our Values: We are committed to; Offering high quality reliable services Building lasting relationships based on integrity and honesty Consistent conduct and clear communication Having dedicated, energetic, enthusiastic and professional staff ready to meet client s expectations Being innovative and creative while meeting the market needs Personal and professional growth to serve better 2 YOUR PROTECTION IS OUR CONCERN

3 Our objectives: Availing insurance services to BRD clients, BRD subsidiaries and the general public Offer advice information and other services to clients Negotiating insurance premiums on behalf of the clients Helping our clients in the settlement of claims Organizing campaigns to make the insurance industry more known to the public Exceeding customer expectations About Us: At BRD Insurance Brokerage, we do things differently. We understand that making sure you have the right insurance broker working for you is paramount. At BIB LTD we know and understand our client s and their businesses. We are as passionate about our clients businesses as they are. YOUR PROTECTION IS OUR CONCERN 3

4 What to expect from BRD Insurance Brokerage: A free insurance portfolio review and assessment will be carried out to make sure you are not exposed to risk in any way Site visits are carried out at your premises so that we can sell your business to underwriters, making sure the best deal is negotiated on your behalf We deal with clients as individuals, providing innovative insurance solutions We have direct access to all major insurance companies We deal with all areas of insurance from your premises risk, liabilities, motor to Bonds and Guarantees to protect your balance sheet We only employ professional, experienced and customer-focused individuals We will handle any claims efficiently and effectively, making sure your company has the minimum of distraction Our services Insurance broking 4 YOUR PROTECTION IS OUR CONCERN

5 Underwriting Risk management Claim management services Customer service program in assurance Insurance awareness campaign Capacity building Our products Under life assurance Individual life Educational endowment plan Personal pensions plan Group life and pensions plan Family protection plan Loan protection YOUR PROTECTION IS OUR CONCERN 5

6 Under General assurance Transport, Marine Hull, Marine cargo, Goods in transit insurance Personal/Group personal accident insurance policy Livestock insurance policy Bonds (bid securities, custom bonds, performance bonds, advance bonds) Travel insurance Medical insurance Crop insurance Motor insurance policies Fire and allied perils Insurance Householder/house owner insurance policy Consequential loss business interruption Contractors all risks insurance 6 YOUR PROTECTION IS OUR CONCERN

7 Computer all risks and electronic equipment Insurance Machinery breakdown Insurance Fidelity guarantee (Fraud and dishonesty of employees) And so many others according to insurance needs of every unique client Our insurers BRD Insurance Brokerage has access to all insurance companies in the composite market we have direct access and influence as well as good working relationship to all insurance companies in Rwanda. Whatever your risk we will be able to find the right home for it. They include; UAP INSURANCE RWANDA LTD SONARWA GENERAL INSURANCE COMPANY LTD SORAS ASSURANCE GENERALES LTD RADIANT INSURANCE COMPANY CORAL ASSURANCE GENERALES LTD YOUR PROTECTION IS OUR CONCERN 7

8 COGEAR S.A PHOENIX OF RWANDA ASSURANCE COMPANY LTD PRIME LIFE ASSURANCE COMPANY SORAS VIE SONARWA LIFE ASSURANCE COMPANY LTD Our staff BIB is equipped with a vibrant team that prides itself in providing distinctive, thorough and highly attentive services, meeting your needs whatever your sector. Our team understands that every one of our customers has a unique set of insurance needs. At BIB, our breadth of sector knowledge means we can create a package of cover tailored to you. Our company is synonymous with high quality insurance services that have captured the eye of insurance buyers from Government institutions, organizations, NGO s private companies, factories, industries, home owners and others. 8 YOUR PROTECTION IS OUR CONCERN

9 Mr. Emmanuel KARURANGA CEO / / Mr. Karuranga Emmanuel was appointed by Rwanda Development Bank to start and lead BIB Ltd in June 2013 and has over seen the current trend of positive developments of BIB Ltd. He possesses wide experience in risk management, research and credit administration, project finance, business evaluation, strategic planning and debt management. He has an MBA (Masters in Business Administration), Finance option from Maastricht School of Management and a Post graduate Diploma in Banking and Management from a French Technical Institute of Banking (Institut technique Bancaire de Paris) as well as a Bachelor s degree in Statistics and Applied Economics. He has occupied various positions at the Central Bank (BNR) where he spent 10 years before moving to BRD as part of its management team for seven years. He has acquired numerous trainings in insurance and insurance brokerage from where the rapid growth of BIB Ltd can be traced given the above background and huge experience. YOUR PROTECTION IS OUR CONCERN 9

10 Mrs. Edith MUGANYINKA Claims Manager / Mrs. Edith MUGANYINKA holds a Bachelor s degree in Business administration from Universte Laique Adventiste de Kigali and joined Rwanda Development Bank in 2012 as the officer in charge of insurance, managing all insurance related activities. She has extensive knowledge and experience in insurance especially in underwriting and claims areas. Previously she worked for SORAS INSURANCE COMPANY LTD, in 2011 to 2012 serving as a customer care manager, from 2009 to 2010 she was heading the underwriting and customer service Section. While at SORAS, Mrs. Edith also worked as an underwriting officer under the production department where she was responsible for selling insurance services that included Automobile, transport, bid bond, travel, fire, personal accident insurance and proving other services may be required by the clients. 10 YOUR PROTECTION IS OUR CONCERN

11 Olivier NAYIGIZIKI NGENDO Underwriting Manager / / Olivier is a holder of bachelor s degree of law from the National University of Rwanda and has seven years of insurance experience from Sonarwa General Insurance ltd where he worked as motor claims officer for two year before being promoted to head the Underwriting for fire and miscellaneous risks section for two years. After that he joined ASCOMA RWANDA (a subsidiary of ASCOMA AC with headquarters in MONACO -France) heading the commercial department and doubling as the company secretary. Olivier, is currently doing a master s degree in project Management from JOMO KENYATTA UNIVERSITY for Agriculture and Technology (JKUAT) Mr. Ngendo s experience and profession has been aided by additional training related to insurance. He boosts experience in customer service and communication, sales excellence, insurance and reinsurance technical risks as well as agricultural insurance based on meteorological whether changes. JEAN-PAUL MUTABAZI YOUR PROTECTION IS OUR CONCERN 11

12 Finance and Administration Manager Telephone: (+250) / / Holds Bachelor s degree in Economics (Money and Banking) from National University of Rwanda (NUR) He has experience in finance from Rwanda Social Security Board (RSSB) where he held different positions as the director of accounting unit and director of debt recovery unit. Previously, had work for RAMA as the director of finance and head of treasury. He has undertaken training in ZEP-RE Technical risk insurance from Nairobi Kenya and attended an insurance course becaming a member of CIT. He is currently pursuing a masters degree in busness administration from OKLAHOMA CHURCH UNIVERSITY. 12 YOUR PROTECTION IS OUR CONCERN

13 MUSHOKAMBERE JEAN VIVIEN Underwriting officer / / He is a holder of a bachelor s degree in administrative sciences from Kigali independent University and has amassed admirable insurance experience in his nine years of general insurance and life insurance. In 2011, VIVIEN attended an Insurance course and became a member of the Chartered Insurance Institute (CII) equipping himself with the knowledge related to Insurance Law Underwriting Practice Insurance Business and Finance. In May 2013, he completed an Advanced Excel for reporting, forecasting, modelling and analysis by Open Cast Labs in insurance. Mr Mushokambere has again acquired numerous trainings in insurance to equip himself well for tasks while serving clients He harbors a wealth of knowledge in the fundamentals of insurance, insurance contract, Motor YOUR PROTECTION IS OUR CONCERN 13

14 Insurance, Motor Insurance Claims management, The Liability insurance, Life Assurance Employment wise, Vivien has worked for SORAS Ltd from under different departments that include, claims, marketing, underwriting and motor insurance underwriting. Henry BUDANDI Marketing officer / He holds a Bachelor s degree in social work and social administration from Uganda Christian University and soon graduating from the National University of Rwanda with a master s degree in Development studies. He has rich experience in marketing, public relations, social affairs, customer service and customer care. He has worked for MTN Uganda as a marketing officer for a period of two years during his university time, after which he worked as a trade marketing officer for Rwanda information and communication solutions ltd and was given bigger tasks as a development, training and communication s manager for Africa Development Associates Ltd a consulting firm with its 14 YOUR PROTECTION IS OUR CONCERN

15 headquarters in Uganda. From 2010 to 2012, Henry worked for King Faisal Hospital heading the social department and gained some experience from the public relations office. He oversees the marketing, branding, advertising and public relations of BIB Ltd and promotes the company s products and services. Why join BIB? By joining BRD Insurance Brokerage Ltd, you join a pool of over 1,500 clients, which allows BIB to be an active player on the market. The pool of clients placed in each insurance company is a force we use whether in negotiation of best cover, premiums or in the claims process to the benefit of our clients. By joining BIB you will benefit the following; - Advice: we advise you on the best cover you can have, given your situation and the type of business or activities you are involved in. - Time: Time is valuable for our clients. We save your time by availing the insurance covers you need, in the shortest time possible; thanks to the network we have with all insurance companies. YOUR PROTECTION IS OUR CONCERN 15

16 - Cost: We get the lowest premium you can insure with through negotiation with insurance companies based on our negotiation skills and the knowledge of the market we have. - Less stress: In case of claim, insured persons face long and stressful process before they are compensated or denied compensation. We help our clients and ease that process due to our expertise and agreements we have with insurance companies. - Privacy policy: Our brokerage has a track record of respecting right to privacy and safeguarding clients personal and company information - Follow up: we make a follow up and update your insurance policies throughout the whole cycle. Our contacts Head office BRD Insurance Brokerage Ltd Boulevard de la Revolution; BRD Building 1st Floor P.O BOX 4870 Kigali, Rwanda Telephone: , Website: 16 YOUR PROTECTION IS OUR CONCERN

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