RISKS
Deferring on the size of the company and the activity, there are a number of risks to face. The management of such risks requires flexibility and knowledge. We provide you with the knowledge, experience and resources to identify, assess and manage risks by creating tailored insurance solutions to your needs and for what is to come.STANDARD TERMS OF ENGAGEMENT
The standard terms of engagement apply to the contractual relations between our brokerage and the legal or natural persons involved in the scope of their commercial or professional activity. Specific legal aspects will be established and agreed for each matter or several matters.
Firm LE GOFF
The
Spanish
market
of
insurance
brokers
specialized
in
major
accounts,
that
is,
in
"large
companies",
is
characterized
by
a
part
of
the
market
share
in
the
hands
of
three
large
insurance
brokerages
that
have
signed
agreements
with
insurers.
This
market
anomaly
is
mainly
explained
by
deficiencies
in
the
supervision
of
insurance
and,
in
particular,
by
the
absence
of
sanctions
with
respect
to
such
contractual
practices
that
-
logically
-
lead
to
the
increase in the price of insurance policies to the direct detriment of the client.
So why pay more for insurance policies?
Our
brokerage,
specialized
in
major
accounts,
advises
its
clients
with
total
objectivity
and
independence
regarding
the
choice
of
insurance
and
reinsurance companies, and is committed to:
•
Audit the insurance contracts signed by the client's Spanish subsidiaries
•
Develop risk mapping to identify current and emerging risks
•
Analyse the real needs of the company to obtain adequate insurance proposals
•
Prepare quote applications and submit them to insurers
•
Write
the
clauses
that
will
be
inserted
in
the
insurance
contracts,
expressly
negotiated
with
the
insurance
companies
to
delimit
and
adequately
cover
the risks incurred by the client, optimizing their guarantees
•
Manage and negotiate the best conditions with insurance companies
•
Organize
the
issuance
of
contractual
documents
and
verify
that
the
policies
and
amendments
established
by
the
insurer(s)
comply
with
the
client's
instructions
•
Manage
existing
contracts
with
the
updating
of
guarantees,
insured
capital
and
other
contractual
conditions
according
to
the
evolution
of
the
company's activity
•
Check that the premiums issued by the insurer(s) comply with the contractual stipulations
•
In
collaboration
with
our
legal
department,
carry
out
the
legal
follow-up
of
the
contractual
conditions
to
verify
their
compliance
with
current
legislation
•
React
quickly
in
case
of
unilateral
modification
of
contracts
by
the
insurer(s)
that
implies
a
change
in
the
contractual
conditions
or
the
termination
of
the contract
•
Make quote requests systematically to guarantee the best rate
•
Obtain the insurance certificates required or requested by the client and its subsidiaries
•
Register the claims, declare them to the corresponding insurer(s) and follow up respecting the interest of the Customer
•
Respond
to
any
query
related
to
the
insurance
programs
in
which
we
are
brokers
raised
by
the
client's
subsidiaries
or
entities,
in
particular
on
current coverage and calculation of premiums
•
Carry
out
a
proactive
communication
anticipating
the
possible
risks
according
to
the
client's
activity
and
according
to
the
specificities
of
the
Spanish
market
•
Provide
advice
for
the
implementation
of
a
Global
Employee
Benefits
program
for
the
employees
of
the
Spanish
subsidiary
offering
health,
accident,
life risk and savings insurance in accordance with the provisions of state, sectoral or company collective agreements
•
Provide a high-end quality of service, well above the usual standards
Major Accounts
SPAIN
INTERNATIONAL
With us your risks are under
control, your budget and
coverage optimized
RISKS
Deferring on the size of the company and the activity, there are a number of risks to face. The management of such risks requires flexibility and knowledge. We provide you with the knowledge, experience and resources to identify, assess and manage risks by creating tailored insurance solutions to your needs and for what is to come.
STANDARD TERMS OF ENGAGEMENT
The standard terms of engagement apply to the contractual relations between our brokerage and the legal or natural persons involved in the scope of their commercial or professional activity. Specific legal aspects will be established and agreed for each matter or several matters.
The
Spanish
market
of
insurance
brokers
specialized
in
major
accounts,
that
is,
in
"large
companies",
is
characterized
by
a
part
of
the
market
share
in
the
hands
of
three
large
insurance
brokerages
that
have
signed
agreements
with
insurers.
This
market
anomaly
is
mainly
explained
by
deficiencies
in
the
supervision
of
insurance
and,
in
particular,
by
the
absence
of
sanctions
with
respect
to
such
contractual
practices
that
-
logically
-
lead
to
the
increase
in
the
price
of
insurance
policies
to
the
direct detriment of the client.
So why pay more for insurance policies?
Our
brokerage,
specialized
in
major
accounts,
advises
its
clients
with
total
objectivity
and
independence
regarding
the
choice
of
insurance
and
reinsurance
companies,
and
is
committed
to:
•
Audit
the
insurance
contracts
signed
by
the
client's Spanish subsidiaries
•
Develop
risk
mapping
to
identify
current
and
emerging risks
•
Analyse
the
real
needs
of
the
company
to
obtain adequate insurance proposals
•
Prepare
quote
applications
and
submit
them
to insurers
•
Write
the
clauses
that
will
be
inserted
in
the
insurance
contracts,
expressly
negotiated
with
the
insurance
companies
to
delimit
and
adequately
cover
the
risks
incurred
by
the
client, optimizing their guarantees
•
Manage
and
negotiate
the
best
conditions
with insurance companies
•
Organize
the
issuance
of
contractual
documents
and
verify
that
the
policies
and
amendments
established
by
the
insurer(s)
comply with the client's instructions
•
Manage
existing
contracts
with
the
updating
of
guarantees,
insured
capital
and
other
contractual
conditions
according
to
the
evolution of the company's activity
•
Check
that
the
premiums
issued
by
the
insurer(s)
comply
with
the
contractual
stipulations
•
In
collaboration
with
our
legal
department,
carry
out
the
legal
follow-up
of
the
contractual
conditions
to
verify
their
compliance with current legislation
•
React
quickly
in
case
of
unilateral
modification
of
contracts
by
the
insurer(s)
that
implies
a
change
in
the
contractual
conditions or the termination of the contract
•
Make
quote
requests
systematically
to
guarantee the best rate
•
Obtain
the
insurance
certificates
required
or
requested by the client and its subsidiaries
•
Register
the
claims,
declare
them
to
the
corresponding
insurer(s)
and
follow
up
respecting the interest of the Customer
•
Respond
to
any
query
related
to
the
insurance
programs
in
which
we
are
brokers
raised
by
the
client's
subsidiaries
or
entities,
in
particular
on
current
coverage
and
calculation of premiums
•
Carry
out
a
proactive
communication
anticipating
the
possible
risks
according
to
the
client's
activity
and
according
to
the
specificities of the Spanish market
•
Provide
advice
for
the
implementation
of
a
Global
Employee
Benefits
program
for
the
employees
of
the
Spanish
subsidiary
offering
health,
accident,
life
risk
and
savings
insurance
in
accordance
with
the
provisions
of
state,
sectoral
or
company
collective
agreements
•
Provide
a
high-end
quality
of
service,
well
above the usual standards
Big Accounts
SPAIN
INTERNATONAL
With us your risks are under
control, your budget and
coverage optimized
