The Divisional Office is the kingpin in the organizational setup of the Indian Public Sector General Insurance Companies and to ensure that the lines of communication are the shortest, is vested with full authority for acceptance of business and settlement of claims within stipulated limits. As a matter of fact, the Divisional Offices perform all the functions of a medium size Insurer, excepting those relating to Reinsurance and investment. Divisional Office are also obliged to control and monitor Branches, Extension Counters and Micro Offices under their control.