Represents a detailed analysis of the actives and clients operations and the professional and quantified determination, of the risks that may affect them, which allows economic and viable advice to confront them, manage or in any event, shelter under well designed insurance contracts.
Objective:
- To diminish the client’s unawareness and doubt included in the procedure of risks on behalf of the client, to make aware and smooth the process of their decision making, precisely and opportunely.
- To minimize the probability of events the may carry negative effects to the client, might it be economically or physically viable.
- Reduce to the maximum the extension perspectives of the damages as a result of such events, that even having preventing measures, may occur.
- To reduce, similarly, the physical and economic consequences of such manifest damages.
- To take advantage of the mechanism of risks transference and loss control that the client might or might not manage efficiently.
- To increase the clients’ utilities, reducing the cost of the insurance and reducing the expenses when obtaining the indemnification.
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Procedures:
The Administration of Risks, taken to the commercial practice through the Insurance Audit, implies the careful attention and accomplishment of the following process:
- Identify, detach and classify the client’s actives, operations, and human resources that might be in one way or the other, affected by any possible event, to present, sort to say, an x-ray of the company and a clear appreciation of what he owns and what he might loose.
- Identify every possible risk the actives might have, operations, human resources, its origins, economic complications and implications directly or indirectly.
- Measure in a comprehensive and at the same time precisely the possibility, probability and extent of the damage that might overcome.
- Evaluate the preventing measures, existing or not protection and contain and recommend economic and physically viable improvements.
- Evaluate the existing or not insurance coverage, in terms of its suitability and range, as its cost, and recommend specific and measured improvements.
- Consider and suggest measures and financial process, administration and risk control, independent or with SEGUROS CENTRALIZADOS, S.A.
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