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Large risk programmes
A medium-sized or large company doesn't need a standalone policy, but someone to design, place and defend a complete programme. That is how we have worked since 1952.
Key points
A medium-sized or large company needs an insurance programme, not standalone policies. We analyse the risks, value the sums insured, place the programme in co-insurance and excess layers where needed, and handle claims with our own in-house team.
Insurance regulations define a category of large risks (Law 20/2015, Article 11) to which many of the companies we advise belong, by virtue of their activity or size.
89% of our portfolio is medium-sized and large companies, and 70% of premiums come from clients who have trusted us for more than 20 years.
How we do it
From risk analysis to claim settlement, with the whole market available to the programme.
- Risk analysisWe study the business's activities, facilities, contracts and claims history. Working with specialist firms, we also offer a risk management service.
- Properly valued sums insuredWe review insured values and business interruption to avoid underinsurance.
- Access to the whole marketMore than 70 Spanish and international insurers, underwriting agencies and Lloyd's through coverholders.
- Co-insurance and excess layersWhen a risk exceeds one insurer's capacity, we spread it through co-insurance and structure it in as many excess layers as needed.
- International programmesFor groups with subsidiaries outside Spain, international programmes that comply with local regulations in each country.
- In-house claims teamSupports the business from notification through to settlement and defends its position with the insurer.
- 1952Three generations placing business risks
- 89%Of our portfolio is medium-sized and large companies
- +70Spanish and international insurers and reinsurers
- 70%Of premiums come from clients who have been with us for more than 20 years
How we start
Review of the current programme
Policies, sums insured, deductibles, exclusions and claims history.
Risk map
Which risks the company retains and which should be transferred.
Market presentation
We prepare the technical information and negotiate with several insurers.
Ongoing support
A review at every renewal and support with claims.
Frequently asked questions
What is co-insurance?
The sharing of a single risk among several insurers, each taking a percentage.
What are excess layers?
Layers of cover stacked on top of each other: a primary layer responds up to a certain amount and the following layers above it, each with its own insurers.
Do you work with businesses in any sector?
Yes. You can see the sectors on our insurance by sector page.
Legislation cited: Spanish Law 20/2015 on the regulation, supervision and solvency of insurance undertakings, Article 11.
Related services
Shall we review your insurance programme?
We'll tell you what is well covered, what isn't and what can be improved. No obligation.