Property & Casualty

Prevention and strategic underwriting

The best claims management begins at underwriting.

• Underwriting counsel. We work with technical areas on the analysis of complex risks, the estimation of Probable Maximum Loss (PML) and the correct structuring of insurance programs.
• Training and awareness. Training programs for underwriters and sales teams on the legal implications of critical clauses, exclusions and conditions precedent.
• Client risk management. We develop academic programs for brokers and key policyholders on risk management and prevention, reducing loss ratios and strengthening the business relationship.

Product development

We innovate alongside you to create relevant, robust products.

• Design of new products. Coverage tailored to emerging risks (cyber, climate, contingent business interruption) and updates to traditional policies (fire, catastrophic risks, contractors' equipment).
• Contractual clarity. We advise on drafting clear, precise policy wording to minimize ambiguity and litigation risk.
• Regulatory and reinsurance management. Expert counsel on approval and registration processes before the CNSF and on structuring reinsurance contracts.

Claims management — strategic adjustment and coverage

Our early involvement is decisive for controlling the claim.

• Coverage analysis support. We do not limit ourselves to a final opinion. We support the claims team throughout the entire adjustment process: we analyze the policy against the facts, guide the team on the technical and forensic information to request (engineers, forensic accountants), and assess the application of deductibles, coinsurance and exclusions.
• Determination of amounts. We establish the legal grounds for determining indemnification, managing the correct application of valuation bases (actual cash value, replacement value) and the calculation of consequential losses (BI).
• Building the evidentiary record. We ensure the preservation of evidence and the production of robust expert reports, essential for future defense or recovery.

The contentious phase — strategic litigation

We defend the company's interests with specialization and firmness.

• Defense in property and casualty litigation. We represent the insurer and/or the insured in disputes over coverage, causation, loss valuation or application of exclusions.
• Fraud management. Proven experience in the detection and litigation of fraudulent claims.
• Constitutional defense (Amparo). We defend the insurer against rulings by authorities such as CONDUSEF or in disputes of a constitutional nature.

Complex, high-impact claims

The highest level of counsel for the cases that define the direction of the company.

• In-depth legal opinions. Highly complex claims, including coinsurance, overlapping policies, disputes with reinsurers and the application of Business Interruption clauses.
• Strategic dispute management. Assistance resolving catastrophic (CAT) claims, large industrial risks or claims with significant reputational or media impact.

Closing the cycle — recovery (subrogation)

The cycle only closes once what was paid has been recovered from the party responsible.

Active subrogation management: we pursue recovery claims against the third parties responsible for losses — manufacturers, carriers, contractors — seeking financial return for the company and improving its loss ratio.

Preferred arrangement: "No cure, no pay" — fees conditioned on the effective success of the recovery.