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L & T General Insurance

L & T General Insurance


L&T General Insurance Company Limited (L&T Insurance) is a wholly owned subsidiary of Larsen & Toubro Limited - one of the world's top 50 most reputed companies in the June 2009 issue of Forbes-Reputation Institute’s “World’s Most Reputable Companies” survey.

Our Vision

Our vision is to be an insurance company distinct in character, calibre and capability. We are committed and equipped to offer the same levels of service in the insurance space that our parent (Larsen & Toubro Limited) is renowned for, in its other fields of business.

We bring to the table the credibility, financial strength and expertise, backed by a world class brand and seven decades of unmatched leadership of the L&T Group. We will cater to all lines of general and health insurance throughout the country.

L & T Insurance will be a state-of-the-art technology-driven company that delivers world-class services. We seek to create a single technological platform that integrates all the key functions to provide seamless services to our customers through any interface of their choice.

Finally, it is our people who will help us achieve our vision. L&T Insurance comprises of an array of top notch Insurance Professionals who have come together to combine their experience and expertise to create an entity which will lead by innovation, backed by a prudent underwriting approach.

Our Heritage

Larsen & Toubro Ltd. is a USD 12.8 billion technology, engineering and construction group, with global operations. It is one of the largest and most respected companies in India's private sector. More than seven decades of a strong, customer-focused approach and the continuous quest for world-class quality have enabled it to attain and sustain leadership in all its major lines of business.

It was ranked as 14th in 2011 by the Economic Times in their survey of the Top 500 Companies in India. Another feather in its cap was added when L&T was ranked 47th in the world in the June 2009 issue of Forbes-Reputation Institute’s “World’s Most Reputable Companies” survey. In this survey, L&T was the only engineering and construction company in the world to have made it to the top 200.

Having established its foothold in engineering and construction, electrical and electronics, industrial products and information technology, L&T forayed into the financial services space. Financial Services has been identified as a strategically important business for L&T Group. It has been L&T’s vision to become a holistic player in this area of business. With an entire range of products and service offerings, L&T’s ‘Financial Services’ initiative will cater to an entire spectrum of customers, and their various financial needs.


The L & T Insurance Advantage

We believe in...

  • Creating a world-class insurance company by constantly maintaining exalted quality standards in all our endeavours.
  • Providing sustained innovation by working towards ever-evolving solutions. Customer satisfaction has always been our ultimate goal and we remain committed to constantly delivering your needs with our innovative products and services.
  • Focusing on different customer segments. We endeavour to provide a complete range of general insurance products and specialized services for various customer segments across Individuals, Small and Medium Enterprises, Corporates with business lines that include Property & Casualty, Automobile, Health, and a special focus on Rural and Micro Insurance.
  • Following a disciplined underwriting approach, in the competitive market conditions prevailing today. This discipline and its importance to the company have been ingrained in all our employees. We work hard to constantly reinforce your trust in us.

Our Values

In order to become an insurer of choice, we believe in building our business on

  • Excellence - We relentlessly pursue excellence in everything we do, everyday. We passionately raise the bar against bench marks set by the stakeholders.
  • Integrity - We will always take the high road by practicing the highest ethical standards and by honoring organisational commitments.
  • Team Work - We work together and foster collaboration while maintaining individual accountability.
  • Innovation - We embrace, nurture and support creativity and the development of new ideas, products and processes.
  • Customer Centricity - Fulfilling stated & unstated expectations of internal and external customers.
  • Respect for Individual - We treat others the way we like to be treated always. We listen and empathize when dealing with others. We will treat everyone fairly with trust and respect.


Unravel the Power of Technology

In this shrinking, fast paced world, time is money. We truly understand this and this is what has prompted us to build a state-of-the art technology-driven company that delivers world-class services to all our stakeholders.

As a step towards this, we have envisaged a state-of-the-art technological platform that integrates all the key business functions to build a deeper customer connect and create uniform brand experience. A single window will allow you to purchase new policies, renew your policy, manage your policies and view the status of claims, etc.

This innovative technology platform will provide the following features in a phased manner

  • Anytime, Anywhere access to your account through our 24X7 support on our website
  • Our system has the capability to contact you through Internet, Mobile (GPRS/SMS) and Telephone
  • Capacity to help you generate ‘Quick quotes’ and issue on-the-spot policies for select products
  • Management of Business Process on ‘real-time’ basis
  • We have an Integrated Claims System for Motor & other portfolios
  • Ability to connect to various health care Networks like Hospitals etc., using our IT platform to give you seamless automated services
  • Single View of your account which includes your contact details, family members and their details, tracking your policy, claims management, all in a single window
  • Risk Management Systems that deploys different techniques to understand, manage and most importantly mitigate ‘Risk’

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