Shared technical criteria
What we learn managing risks and claims, put into writing: analysis, practical guides, clause notes and working material you can use as is.
The most recent
Loss of profits: the indemnity period that almost no one calculates correctly
Twelve months is the market standard and a decision that is rarely reviewed. In many industries, it is not even enough to replace the critical machine.
7 min readAnalysis
Anatomy of a ransomware claim: the seventy-two hours that determine the cost
The ransom is almost never the most expensive item. The costly part is the downtime, the reconstruction of the environment, and the notifications that must be made against the clock.
8 min readAnalysis
Underinsurance: why many warehouses would receive half of what their owner believes
The proportional rule is the clause that costs the most money in Spain and is almost never discovered until the day of the claim. How to detect it beforehand.
7 min readPractical guide
Home insurance: how to calculate the contents without falling short
The building is easily estimated. The contents are almost always calculated by eye, and that's where domestic underinsurance appears.
6 min readAnalysis
Fleets: why the premium is the small part of the cost
Immobilisation, excesses, claims management and administration hours weigh more than the receipt. And these are the three things that can be acted upon.
6 min readPractical guide
Open transport policy: how it is set up and what needs to be declared
Insuring shipment by shipment is slow, expensive, and leaves gaps. The open policy covers all shipments of the year and issues a certificate when the bank requests it.
6 min read
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Each topic gathers what has been published about a risk family and links to the solutions where it is contracted.
