Serious About Risk, Earnest About You

Our Story

In a world where change is the only constant, businesses are challenged by an ever-shifting landscape — economic volatility, climate disruptions, and emerging risks that seem to evolve overnight. At Earnest Insurance, we don’t just offer insurance; we provide a shield against the unpredictable. We believe that the right coverage isn’t just about policies and premiums. It’s about preparing for the unknown with confidence, resilience, and agility. Our approach goes beyond traditional brokerage. We become your strategic partners in risk management. Whether it’s safeguarding your assets from unforeseen disruptions, ensuring compliance in a maze of evolving regulations, or unlocking growth opportunities with tailored coverage, we bring a blend of expertise, innovation, and deep market insight. In a volatile world, we help you stay steady so you can move forward fearlessly, knowing you’re protected at every turn.

Vision, Mission & Core Values

Vision

EIB to evolve into a renowned provider for total quality risk management solutions.

Mission

To be a leading provider of quality insurance products and risk services.

Core Values
ElB shall at all times be known for Integrity, Transparency, Openness, Total Quality, Customer Orientation, Concern for others

Behind Earnest: The People Protecting Your Tomorrow.

Our People

Meet the talented team who make all this happen

We believe that each team member contributes their own authentic traits and perspectives to broaden our horizons, as opposed to just blending in.

Executive Management:
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Frank O’Sullivan
Executive Director

Frank O’ Sullivan is an industry veteran with over 50 years of distinguished experience in the insurance sector, including 42 years with Norwich Union Insurance Group. He retired as Country Manager of Norwich Union Insurance (Gulf) BSC (c) in the UAE, a role he held for 14 years. Frank’s leadership was pivotal in enhancing the company’s market presence and building enduring client partnerships.

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Samuel Thakker
Managing Director

Samuel Thakker, Managing Director at Earnest Insurance Brokers LLC, brings over 50 years of diverse insurance experience. During his 24-year tenure with Norwich Union Insurance (Gulf) Ltd. in the UAE, he held key positions including Claims Manager, Commercial & Marketing Manager, Branch Manager, and Senior Manager for Corporate Direct Business. His wealth of knowledge and proven track record continue to shape the firm’s growth and client success.

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Roopesh Punjabi
Executive Director

Roopesh Punjabi, Executive Director at Earnest Insurance Brokers, is a seasoned insurance professional with over 33 years’ experience as a broker and underwriter. He has held key roles at Norwich Union Insurance Gulf Ltd. and AXA Insurance. Roopesh combines deep market insight with proven business development expertise to deliver tailored insurance solutions.

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Neville Thakker
Senior Manager

Neville is a Senior Manager at Earnest Insurance Brokers with over 10 years of cross-functional experience in Health, Liability, and Commercial Insurances. A member of the Chartered Insurance Institute (UK) and the American Institute of Certified Public Accountants, he is committed to supporting clients, staff, and stakeholders in driving growth. His approach is rooted in finding positives and managing risk effectively.

Senior Leadership Team
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Krishnadas P
General Manager Business Development

Krishnadas, General Manager – Business Development at Earnest Insurance, brings over 22 years of experience in the UAE and India, with deep expertise in General Insurance. Known for his relentless “Never Give Up” approach, he has successfully retained all major clients for over 15 years. A Fellow of the Insurance Institute of India (F.I.I.I) and a BNI member for 12+ years, he also leads training initiatives across the team.

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Amit Matta
Head of Motor New Business

Amit is the Head of Department – Personal Lines (New Business) at Earnest Insurance, with over 18 years of industry experience. Specializing in motor insurance, he leads with focus on strategic growth, operational excellence, and customer-centric innovation. Known for building high-performance teams and driving regulatory excellence, Amit has consistently achieved business targets and earned multiple recognitions, including the Top Performer Award from GIG Insurance.

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Heli Jain
Head of Personal Lines Insurance and Motor Renewal

Heli is the Head of Renewals & Retentions – Personal Lines at Earnest Insurance Brokers, with 18 years of experience in personal lines underwriting and operational efficiency. A Fellow of the Insurance Institute of India and a CII member, she excels in driving CRM automation, insurer API integrations, and ensuring regulatory compliance. Her detail-oriented, process-driven approach ensures seamless operations and elevated client satisfaction.

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Bharti Katara
Head of Marine Insurance

Bharti is the Head of Marine Insurance with 17 years of expertise in underwriting, client relationship management, and operations. She sets underwriting guidelines, leads and mentors the marine team, and ensures full regulatory compliance. With over 95% renewal retention and award-winning client service, Bharti stays ahead by constantly adapting and delivering tailored solutions. She is FIII certified and a two-time GIG Marine Broker of the Year.

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Chanaka Fernando
Head of Commercial Insurance

Chanaka is the Head of Property and Casualty at Earnest Insurance, bringing over 20 years of experience in Property, Casualty, and Financial Lines. A specialist in policy engineering, he crafts tailored insurance solutions that align with underwriting appetite and client objectives. Certified by ANZIIF (Assoc) CIP, Cert CII, and CAI, Chanaka is recognized for his strategic risk placement, team leadership, and commitment to delivering long-term value.

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Joel Bbosa
Head of Claims
Joel Bbosa is a Claims Manager with 14 years of experience, excelling in claims oversight, client advocacy, and process compliance. Skilled in claims assessment, negotiation, and risk improvement, he has grown his team from 2 to 6 members and secured major settlements, including AED 90m in 2024 storm damage claims. Known for high client retention, he leads with purpose and delivers with unwavering commitment.
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Sibi Varghese
Information Technology Head

Sibi is the Head of IT, HR & Administration with over 13 years of experience leading technology strategy, human resources, and operational management. He excels in IT governance, cybersecurity compliance, HR policy implementation, and facility oversight. Known for delivering digital transformation projects and optimizing processes, Sibi aligns people, processes, and technology to enhance efficiency, strengthen security, and drive sustainable organizational growth in today’s fast-changing business landscape.

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Anin Bose
Head of Employee Benefits

Anin is the Head of Employee Benefits with 19 years of experience across medical, life, credit, cyber, and D&O insurance. He excels in insurance product research, premium negotiation, and building long-term client relationships. Anin has driven record-breaking revenue and secured high-profile clients, achieving a 96% satisfaction rate. He brings joy and simplicity to a field that often lacks both. Certified by FIII, with recognitions from Allianz Trade, CIGNA, and BUPA.

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Nitesh Uttwani
Head of Compliance

Nitesh is a Chartered Accountant and Head of Compliance at Earnest Insurance Brokers, with 11 years of experience in auditing, AML compliance, and taxation. Holding certifications from ACAMS (UK) and ICA (UK), he specializes in regulatory compliance and internal audits. Known for his strong analytical skills, Nitesh streamlines financial processes, ensures cost-efficiency, and upholds the highest standards of regulatory adherence.

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Saurabh Saraf
Head of Accounts
Saurabh Saraf is a Chartered Accountant with over 12 years of experience as Manager – Finance & Accounts, specializing in financial reporting, tax compliance, and cash flow management. He has driven process improvements that accelerated supplier account matching and optimized company funds for maximum returns. Skilled in budgeting, audits, and team leadership, Saurabh believes in letting his work speak for itself while delivering consistent financial efficiency.
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Ancy Cumberland
Head of Marketing

Ancy is the Head of Corporate Renewal Retentions for Dubai & N.E. and Branch Manager – Abu Dhabi, with 20 years of experience in client retention and performance strategy. She leverages data-driven frameworks to boost satisfaction, optimize renewals, and grow portfolios. Ancy holds OTL, LLQP, CIP, and ACIP certifications, and balances her professional edge with wellness as a certified Yoga Instructor and Reiki Practitioner.

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Resham Punjabi
Operations Risk and Corporate Branding Associate

Resham is an Operations Risk and Digital Marketing professional with 3 years’ experience and a Columbia University degree in Enterprise Risk Management. Skilled in liability catastrophe modeling for the US market, currently leading CRM development for commercial lines, driving digital marketing initiatives, and strengthening corporate branding at Earnest Insurance Brokers.

Our Team Members
Awards & Recognitions