- Travessera de Gràcia, 15, 3-3 08021 Barcelona
- 932 387 113
- ambler@ambler.es
Our client is a company in the real estate and property sector, dedicated to the management and operation of real estate assets consisting of residential buildings, commercial premises and industrial warehouses. Its activities include the leasing, maintenance and administration of both its own and third-party properties.
The progressive growth of its asset portfolio made it necessary to have a solid, consistent insurance programme that was aligned with the real value of its assets.
The client, a real estate company with a diversified portfolio of residential buildings, commercial premises and industrial warehouses, faced financial vulnerability due to a fragmented insurance programme. Despite having policies in place, these were managed independently, resulting in a lack of overall risk visibility and outdated capital that did not reflect the real value of its assets. There was a critical risk of underinsurance and insufficient coverage in civil liability, which, combined with the absence of protocols for dealing with claims, exposed the company to serious conflicts with tenants and an unacceptable economic impact in the event of any major incident.
After conducting a comprehensive study of each asset, we designed a unified global property insurance programme that eliminated administrative and technical fragmentation. Our intervention began with updating the insured capital to guarantee full replacement of the properties, avoiding penalties for underinsurance. We expanded civil liability coverage (operational, employer and tenant) to shield the company from third-party claims and negotiated with specialised insurers to obtain superior technical conditions and more competitive costs. In addition, we professionalised operations by implementing an active claims management service, acting as a single point of contact to streamline any claims and reduce response times.
The implementation of this comprehensive strategy enabled the company to transform its risk management into a competitive advantage. Thanks to the unification of policies, the client obtained centralised control and a significant reduction in costs without sacrificing the quality of coverage. The capital update and improvement in civil liability clauses provided the necessary security for strategic decision-making, knowing that assets were protected against material damage or legal claims. In short, the client moved from a situation of uncertainty to a model of robust protection and operational efficiency, strengthening its solvency and image of professionalism among its own tenants and investors.
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