We insure what endures
Independent insurance broker specialising in risk management and international programmes.
The insurance programme each business deserves
We design the full insurance programme and sustain it wherever the company operates.
International insurance programmes
Property damage insurance
D&O insurance for directors
Cyber risk insurance
Trade credit and surety insurance
Cargo insurance
Our business starts by understanding yours
ConstructionWorks in progress, testing, handover and ten-year guarantee
TransportGoods in transit, accumulation at terminals and operator liability
TechnologyData breach, service outage and contractual penalties
FoodBatch contamination, traceability and product recall
EnergyMachinery breakdown, plant shutdown and contingent interruption
Health and AssistanceMedical liability and custody of patient records
Real Estate PropertyBuildings, escape of water and landlord liability
EducationPupil accidents, off-site activities and governing-body liability
Professional OfficesProfessional error, missed deadline and file confidentiality
Retail – ShopsTheft, escape of water, online channel and product recallOne programme, wherever you grow
- Master policyIn the parent company’s country.
- Admitted local policiesOne in each country where you operate.
- DIC / DIL clausesAlign conditions and limits across the group.
- New subsidiariesJoin the programme as they come on board.
We design it from Spain and take it to each country with independent brokers from UnisonSteadfast, TechAssure and LARS Network.
A team for the long term
Insurance and reinsurance brokers for businesses since 1890. First we get to know your business, then we design a programme that grows with it.
What people ask us before the first meeting
What is a broker’s role in a company’s insurance programme?
An insurance broker studies the company’s exposure, presents the risk to several insurers and negotiates terms on behalf of its client. JORI is an independent insurance and reinsurance broker: it is not owned by any insurer, so its recommendation is guided solely by what is right for the programme. The relationship does not end at signature; it continues at every renewal and, should the need arise, with every claim.
Who handles the claim, the broker or the insurer?
The insurer handles the claim file and appoints the loss adjuster; the broker stands alongside the company and represents it before both. At JORI, the claims department follows each file with technical judgement, guides the finance department on the likely amount and timing, and carries what has been learnt into the next renewal.
How does a company with subsidiaries abroad get insured?
Through an international programme: a master policy issued in the parent company’s country and locally admitted policies in each country where the group operates, linked by DIC/DIL clauses that cover differences in conditions and limits. JORI coordinates the programme from Spain and delivers it in each country through trusted local brokers, so the group keeps a single standard wherever it is present.
How often should a company review its insurance programme?
At every renewal and, in addition, whenever something changes the exposure: a significant investment, a new facility, entry into another market or a change in replacement lead times. A sound review covers sums insured, indemnity period, sub-limits and clauses, and ends with a written recommendation: what should change, what should stay and what each option entails.
Where is JORI and what territory does it serve?
JORI has offices in Barcelona, where it was founded in 1890 and keeps its head office, Madrid, Vitoria and Mollerussa. From Spain it supports clients wherever they operate, working with independent brokers chosen for their expertise in each country and through three international networks: UnisonSteadfast, TechAssure, specialising in technology, cyber and life sciences risk, and LARS Network, present across Latin America.
