With an agent
Represents their insurer(s)An agent brings you policies from the insurer or insurers they represent.
INDEPENDENT INSURANCE. PERSONAL BY NATURE.Life is for living.
Life is for living.
Leave the what-ifs to us.
The people you love. The business you built.
The roads you haven’t taken yet.
We help you protect it all.
More possibility.
CONFIDENCE, FROM THE START. HIMACHAL · CHANDIGARH · PUNJAB
IRDAI
licensed.
licensed.
Your registered insurance broker.
Licence No. 1103
20+ insurers.
A wider view.
A wider view.
A network that gives us more room
to find cover that fits you.
Here for
the long run.
the long run.
From choosing your cover
to support when you need to claim.
01 / THE UMBER WAY
Insurance can be complicated.
Having someone on your side
shouldn’t be.
That’s why we’re a broker. We start with you, look across insurers, and help you make sense of your options. Clear advice. Thoughtful cover. A familiar voice when you need one.
THE DIFFERENCE IS WHO THEY REPRESENTInsurance is a conversation.
Insurance is a conversation.
Who’s sitting beside you?
Same table. Different perspectives.
See who represents whom, from choosing cover to making a claim.
With Umber
Represents youWe sit beside you, comparing suitable cover around what you need.
THREE MOMENTS THAT MATTERWith an agentWith Umber
01Choosing cover
With an agentExplore policies from the insurer or insurers the agent represents.
With UmberCompare suitable options across our insurer network, starting with your needs.
02Understanding the details
With an agentGet guidance on the benefits, conditions and exclusions of the policies offered.
With UmberUnderstand the terms and trade-offs across suitable policies, beyond the premium.
03Making a claim
With an agentGet claims and after-sales assistance for the policies the agent arranges.
With UmberGet help with documents, insurer coordination and follow-up on your behalf.
ONE RELATIONSHIP. A WIDER WORLD OF CHOICE.
We bring the insurers to the table.
HDFCERGOICICI LombardTATA AIGSBI GeneralcareHEALTH INSURANCE+ more
across our network
across our network
02 / WHAT MATTERS TO YOUBig plans. Everyday joys.
Big plans. Everyday joys.
There’s cover for that.
Whatever your next chapter looks like,
let’s make room for a little more certainty.
A LITTLE MORE LIFE.01/ 06FOR YOUR PEOPLE
More family time. Less what-if time.
For the people who make your life, your life. Let’s find health cover that fits your family, and make the waiting periods and fine print clear.
- Understand benefits & waiting periods
- Compare limits & exclusions
- Get support when you need to claim
GOOD ADVICE IS JUST THE BEGINNINGA policy is a start.
A policy is a start.
We’re here for the journey.
First, we listen.
Your family, your work, your plans. We get to know what needs protecting before we talk policies.
Then, we do the legwork.
We compare suitable insurers, explain the small print, and help you choose cover with your eyes open.
And we stay by your side.
A renewal, a change of plans, a claim. You have a real team to call, long after the paperwork is done.
When life takes an unexpected turn, call us. We help with claim documents, insurer follow-ups, and the next step.+91 86279 92602
03 / BUILT FOR YOUR BUSINESSYou know your business.
You know your business.
We get to know it, too.
From the factory floor in Baddi to a growing team in Chandigarh, good cover starts with understanding how your work actually works.
Explore commercial insuranceFrom a single machine to a complete production line. Think premises, breakdowns, stock, and the impact of downtime.
04 / OUR ROOTS RUN DEEPMountain spirit.
Mountain spirit.
People first.
Himachal teaches you a few things. Know the terrain. Look out for your neighbours. Be there when the weather turns.
That’s the spirit we bring to insurance. With offices in Baddi and Chandigarh, we combine local understanding with experience across insurance, law, engineering, agriculture, and business.
100+
years of combined experience
across our team’s disciplines
Neetu VijFounder & Director
Meet our founder EXPERIENCES, IN THEIR OWN WORDSA little reassurance.
A little reassurance.
From people we’ve helped.
THE UMBER ADVISOR PROGRAMMEA people person?
A people person?
You could be an Umber person.
Build insurance expertise and a career helping your community. We’ll help you get started.
Become an advisorYOUR LIFE. YOUR AMBITIONS. YOUR UMBER.
Go on.
Live a little more.
We’ll be here for the what-ifs.
Let’s start with a conversation.
Rooted in Himachal. Connected across North India.Clear advice. Real people. Always in your corner.