A specialist manufacturer of electric radiant heating (ceilings, floors and heating cables) requests our intervention for its subsidiary in Spain in the process of merger by absorption by a multinational group. We have carried out due diligence on the insurance policies for damages, company civil liability, compulsory civil liability for forklifts and accident agreements. After identifying some deficiencies in the coverage and insured capitals, the client entrusts us with the mission of going out to the insurance market to request insurance proposals. This is an aggravated risk for insurance companies given the strong exposure to the risk of theft of copper coils, the main material for the manufacture of radiant panels. Despite the lack of market appetite for this type of risk, after the intervention of the adjuster to evaluate the assets, the protection and fire prevention measures, a world-renowned insurer decides to take out damage and civil liability insurance. Every year, for the renewal of the policy, a certain willingness to negotiate with the insurer is required to maintain an interesting rate despite the tightening of the insurance market. The company has entrusted us with all its insurance for more than 15 years.