Why We Started RiskPe
Three perspectives. One mission. No commission.
The full story
Every year, millions of Indians buy insurance policies they don't fully understand — sold by people who get paid more for some products than others, with no real reason to explain the fine print. And every year, a smaller number of those people file a claim, get rejected, and have no idea whether the rejection was even valid.
Surendra Sharma spent over a decade inside this system before he decided to work outside it. After heading commercial lines distribution for one of India's largest insurers, he started an independent agency in Jaipur in 2011 — built on one rule: explain everything, sell nothing the client doesn't need.
His son, Krit Sharma, grew up watching this. After studying mechanical engineering, Krit spent two years on the other side of the industry — managing an insurer's relationship with India's largest online insurance marketplace, and earning his licentiate certification from the Insurance Institute of India along the way. He came away knowing exactly how the aggregator model works, and exactly what it doesn't tell customers.
His college friend, Saket Prag — a computer science graduate and software engineer — had a different question: why did an entire industry built on managing risk have such bad technology for helping people understand their own risk?
In 2025, the three of them put those three perspectives in one room — a small office, two laptops, and a small team that was as hungry to learn as to work. RiskPe was built around a single structural decision: charge a professional fee for advice, not a commission for a sale. Remove the incentive, and the advice gets better on its own.
That's still the model today.
Based in Jaipur, Built for India
RiskPe is headquartered in Jaipur, Rajasthan — but our advisory services and insurance support reach individuals and businesses across India. From local policyholders in Rajasthan to businesses across the country, our team works the same way for everyone: no commission bias, no hidden incentives, just advice in your interest.
Who's Behind RiskPe
Why RiskPe is Different
Insurers We Work With
Our empanelled advisors work directly with India's leading insurers, including:
Ready to finally understand
your insurance?
Book a free 30-minute call. We’ll look at what you have, tell you what you actually need, and answer every question — no pitch, no obligation, no awkward sales pressure.