Nikita Raykar is the Head of the General Insurance Division at Lifecare International Insurance Brokers LLC, a leading insurance brokerage firm with a presence across the UAE, Qatar, and Kenya. With over 14 years of Insurance Industry experience, Nikita brings deep expertise in structuring and managing general insurance programs for a diverse clientele, ranging from SMEs to large multinational corporations.   Her core strengths lie in commercial lines of insurance, including Property & Casualty, Professional Indemnity, Marine Hull & Cargo, Group Life, and niche specialty lines such as Cyber, D&O, and Credit Insurance. Nikita is known for her strategic approach to risk placement, a strong technical understanding of complex policy wordings and her commitment to delivering robust, practical solutions that align with client needs and risk appetite.   She holds credible insurance qualifications from the Chartered Insurance Institute (CII) and a Fellowship from the Insurance Institute of India (FIII), reflecting both international and regional proficiency in insurance principles and practice. At Lifecare, she also plays a key leadership role in mentoring her team, shaping commercial strategies and fostering long-term client relationships.   Nikita has worked with both global and regional brokers and has consistently driven client retention and business growth through a service-focused and solutions-driven mindset. Her consultative style, combined with strong commercial acumen, positions her as a trusted advisor within the industry.   In addition to her role at Lifecare, Nikita is actively involved in professional networks, continually advocating for the value of insurance in building business resilience and continuity.