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.
Businesses
Claims management for businesses
Accidents can occur at any time and circumstance. Being prepared is essential to ensure proper claim management.
Definition
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
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.
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 JORI method
How we work
Our specialists' experience turns every risk into knowledge, and that knowledge into a solution designed for your business.
Risk analysis
Every company faces a unique situation. We analyse each company's specific risks to detect vulnerabilities, assess security measures and propose improvements that strengthen the protection of its business.
Programme design
All our programmes are designed to integrate every cover needed and to bring peace of mind to the companies that trust us.
Selection across the insurance market
We carefully select insurers and design exclusive insurance programmes, adapted to each company's particular circumstances, with a fully tailor-made approach.
Specialised claims management
Claims are the most vulnerable moment for a business. That is why it is so important to have specialists who provide support throughout the process.
Six generations and more than 130 years devoted to insurance.
Frequent doubts
Most frequently asked questions about 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.
Insights
View the topic claims What we have written about this
Practical guide
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 readPractical guide
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 readTechnical note
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 read
