RC 360

The origin of risk — Underwriting and prevention

We do not wait for the loss to occur; we anticipate it.

• Underwriting and know-how. We advise technical areas on the correct underwriting and valuation of Civil Liability risk.
• Training and awareness. We implement training programs for underwriting areas and, fundamentally, for the sales force, ensuring that the product and its scope are understood and communicated with precision.
• Academic development. We create robust educational programs on Civil Liability for clients, brokers and prospects, positioning the insurer as a knowledge reference.
• Human Rights Due Diligence and ESG criteria. Given the rise in high-impact claims, we advise on the implementation of Human Rights Due Diligence and ESG criteria (Environmental, Social and Governance), integrating them from Corporate Governance down to daily operations to mitigate exposure to moral damages or discrimination claims.

Product development

The market is not static; your products should not be either. We act as a strategic partner in the innovation and adaptation of your portfolio:

• Design of new products. We develop Civil Liability coverage tailored to emerging needs: Professional Liability, Environmental Liability, Cyber Risk, Medical Liability and other specialized lines.
• Integration of modern criteria. We advise on integrating ESG and Human Rights criteria directly into policy wording, aligning your products with global best practices and mitigating reputational risk.
• Regulatory and reinsurance management. Expert advisory on product approval and registration processes before the Comisión Nacional de Seguros y Fianzas (CNSF) and on negotiations with reinsurers.

Claims management — Strategic adjustment and coverage

Handling the claim from minute zero is critical.

• Specialized adjustment. We have two attorneys holding an adjuster's license, engaged from the moment the loss occurs. Their role goes beyond quantification: they lead the process of determining Civil Liability and its degree.
• Support throughout coverage analysis. We do not limit ourselves to issuing a final opinion. We support the claims area throughout the entire adjustment process: we analyze the policy's implications against emerging facts, guide the insurer on the information it should request, the lines of investigation to pursue, and the applicability of potential exclusions or conditions. This dynamic and ongoing advisory is essential for a sound coverage decision and for minimizing the risk of future challenges.
• Strategic reserve calculation. Drawing on our litigation experience and actuarial-legal formulas developed in-house, we provide a technical and realistic reserve calculation. This allows the insurer to properly size its financial exposure from the earliest stages of the claim.
• Determination of amounts. We establish the technical and legal grounds for determining fair indemnity amounts.
• Building the evidentiary record. Our early involvement focuses on creating and preserving sufficient evidence, whether to close the case and avoid litigation or, if litigation is unavoidable, to ensure the defense strategy has every necessary tool in place.

The contentious phase — Strategic litigation

Our litigation practice is the core of the firm. We defend the interests of the insurer and its policyholders with rigor and specialization:

• Defense in Civil Liability litigation. We represent the institution and/or the policyholder in direct Civil Liability claims.
• Strategic reserve calculation in the contentious phase. The same actuarial-legal rigor, applied to financial exposure during litigation.
• Constitutional defense (Amparo). We defend the insurer when named as the responsible authority in Amparo proceedings.
• Human Rights defense. We take on the defense in sensitive cases of discrimination, violation of the right to health, or the right to a dignified life — a front where the firm has established itself as a pioneer and market reference.

Complex and high-impact claims

The highest level of advisory for the cases that define the company's direction.

• Substantive legal opinions. We issue expert, definitive legal opinions on coverage, particularly in complex scenarios of policy coexistence and concurrence.
• Strategic dispute management. Direct assistance in resolving highly complex disputes or those with significant reputational impact for the institution, managing both legal and communications strategy.

Closing the cycle — Recovery

We do not close a case until every avenue has been exhausted. We actively pursue recovery claims (subrogation) against the third parties responsible for the losses, seeking the economic return for the company.

Preferred modality: «No cure, no pay» — fees contingent on the actual success of the recovery.