Someone discusses on equal terms with the expert
Against a professional who evaluates daily, the company alone is at a technical disadvantage. An interlocutor with the same language balances the negotiation.
Empresas
Claims management for businesses
Accidents can occur at any time and circumstance. Being prepared is essential to ensure proper claim management.
In short
What is claims management in a brokerage
Claims management is the moment when it is verified whether a policy was properly contracted. A broker with its own department acts as the technical part of the insured: documents the event, discusses the assessment, defends the interpretation of the policy wording against the insurer and pursues payment. The difference between managing a serious claim well or poorly is usually measured in tens of percentage points on the final compensation.
Advantages
Advantages of having your own claims department
Having your own claims department changes the economic outcome of the policy, not just the convenience.
Collection forecast for treasury
Knowing how much and when you will be paid allows for planning. The uncertainty of an open file without dates is as damaging as the claim itself.
The renewal does not penalise you more
A well-documented and timely closed file comes to the negotiation as an explained data, not as a loose figure in the history. This curbs the increase for the following year.
No success fees
The management is included in the brokerage. We do not charge a percentage on the indemnity, so our interest and yours point in the same direction.
Profile
Who we work for
Companies with an open claim
Companies that have suffered significant damage and perceive that the file is not progressing or that the proposal is low.
Financial departments
Managers who need reliable payment forecasts to plan cash flow after a serious claim.
Groups with recurrent claims
Organisations that need claims analytics to better negotiate renewal.
Companies dissatisfied with their broker
Profiles that contracted well on price and discovered during the claim that no one defended their position.
Technical criteria
Why compensations are lost
Almost no claim is lost for a single reason. It is lost due to an accumulation of decisions made in the first seventy-two hours.
Late or incomplete declaration
The policy sets communication deadlines. Out of time, the insurer can claim the damages and losses that the delay has caused.
Evidence not preserved
Removing debris, making emergency repairs without documentation or losing the damaged equipment leaves the insured unable to prove cause and extent.
Accepting the first assessment
The insurer's assessor's report is a party position, not a neutral opinion. It is debatable and, frequently, can be substantially improved.
Not quantifying the loss of profits
Material damage is visible; loss of profits must be constructed with accounting. If no one prepares it, it simply is not paid.
Scope
What the claims management service includes
- Opening and communication on time, with the appropriate technical qualification of the claim
- Immediate advice on urgent measures and preservation of evidence
- Appointment of a party assessor and counter-assessment when the valuation is insufficient
- Quantification of loss of profits with accounting support
- Defence of the interpretation of the policy wording and direct negotiation with the insurer
- Follow-up until effective payment, including the third assessor or judicial route
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre claims management
How long do I have to report a claim?
The Insurance Contract Law sets seven days from when it is known, unless a longer period is specified in the policy. Our recommendation is to report within twenty-four hours, even if information is missing: the initial communication can be expanded, but the delay cannot be recovered.
Can I dispute the insurer's assessor's report?
Yes, and it is advisable to do so when the valuation does not fit. The law provides for the appointment of an expert by the insured and, if there is no agreement, a third decisive expert. The mere appointment of an expert by the party often significantly improves the initial proposal.
What should I do in the first hours of a serious claim?
Ensure the safety of people, take measures to avoid aggravating the damage, document everything with photos and videos before touching anything, and call us. Do not sign settlements or accept verbal valuations before having your own technical evaluation.
Will claiming the loss increase my premium at renewal?
Claims history influences, but not claiming a legitimate indemnity is a poor way to contain the premium. What does affect the renewal outcome is presenting the claim along with the corrective measures adopted, and we prepare that with the company.
Do you charge separately for managing claims?
No. Claims management is part of the brokerage service and is remunerated by the intermediation itself. We do not charge success fees on the indemnity.
Can you review a claim that has already been rejected?
Yes, as long as it has not expired. Many rejections are based on a reading of the policy wording that does not withstand technical analysis, or on documentation that the insured never provided because no one asked for it.
Claims Management
A second reading of your open file
We review the file, the policy, and the expert report, and we frankly tell you if the proposal you have on the table is the one you are entitled to.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
Insights
Ver el tema claims What we have written about this
Guía
The first forty-eight hours of a claim in the company
What is documented on the first day is worth more than any subsequent allegation. Action guide for the hours when no one has time to think.
7 min de lecturaGuía
What to review before renewing your insurance programme
Twelve checks that separate a negotiated renewal from a tacit renewal. Most are not related to the price.
8 min de lecturaNota técnica
Deductibles: how much to retain and with what numbers to decide it
Increasing the deductible always lowers the premium. The correct question is not how much it lowers, but how much risk is being purchased in return.
6 min de lectura
