The process begins before any policy is discussed. When a company contacts us, the first thing we do is understand its activity, its structure, and the risks it is exposed to. Based on that analysis, we design the coverage program that best fits its risk profile, review the conditions of insurers that best handle that type of risk, and present a comparative and well-founded proposal.

The client does not receive a single quote: they receive a market overview. And they do not receive just a price: they receive an explanation of what each policy covers, what it excludes, and why we are recommending that option over the others. That level of detail is what allows a CFO, a manager, or a board of directors to make an informed decision on how to protect their company.

Once the policies are in place, the work does not end. We monitor coverage, manage renewals well in advance so we can renegotiate when the market allows, and remain available for any questions or issues throughout the term of the contracts.

There is a question every company should ask before taking out insurance: who will be on my side if something happens? With a direct insurer or a tied agent, the answer is: no one with an obligation to represent your interests. With an independent brokerage like Oller Brokers, the answer is different.

When a claim occurs, our team steps in from the very first moment: we advise on how to report it correctly, coordinate documentation, liaise with the insurer’s adjusters, and monitor the process until the file is closed with a fair resolution. In complex claims, that management can make a significant difference in the final outcome.

We manage the full range of business insurance coverages, from the most common to the most specialized. Each program is tailor-made for each company, without standard solutions that do not fit the reality of every business. We work with any type of company, regardless of sector, size, or insurance complexity.

Coverages we manage:

• General and Professional Liability
• D&O — Directors and Officers Liability
• Cyber Insurance
• All Risks Property Damage
• Commercial Package Insurance
• Construction and Erection
• Transport and Fleet
• Credit and Surety
• International Insurance Programs
• Risk Management
• Event Contingency Insurance
• Employee Benefits — group health, life, accident, and pension plans
• And many more

The process begins with an analysis of the current policies: what coverage the company has in place, with which insurers, under what conditions, and for what cost. From that starting point, we cross-reference the information with the company’s actual activity — its turnover, structure, and the risks it effectively assumes in its day-to-day operations — and identify whether there are missing coverages that should be in place, duplicated coverages being paid for twice, limits that are insufficient for the real exposure, or conditions that could lead to unpleasant surprises in the event of a claim. This diagnostic is free of charge and does not imply any commitment to contract with us. In many cases, the result is that the company is already reasonably well covered. When it is not, we explain it in detail and with concrete alternatives.

Because each insurer underwrites risk using different criteria. Two policies with the same product name and that nominally cover the same things can be very different in what they actually include: limits per claim and per period, sub-limits for specific coverages, applicable deductibles, specific exclusions, and renewal conditions. A lower premium does not always mean a worse insurance policy, but in many cases it does mean narrower coverage or exclusions that the insured only discovers when a claim occurs. At Oller Brokers, when we present a comparative proposal to a company in Barcelona, we do not compare price alone: we compare the full conditions and clearly explain exactly what is obtained with each option.