External risk department for companies doing business in Spain
Independent insurance audits for companies operating in Spain. We never sell you a policy.
We review what your Spanish business already has in place, check it against how it really operates, and coordinate any changes with your broker, bank or insurer. You decide; we follow through.
A diagnostic session, not a sales call. Meetings and reports in English.
- Level 1 · AuditInsurance auditWhat you have, what is missing, what is surplus and where you are exposed.
- Level 2 · ImplementCorrection planWe carry out the fixes with your current providers.
- Level 3 · PartnerExternal risk directorOngoing oversight and a single point of contact.
- ClaimsWhen something happensCoordination and follow-up of claims and disputes.
- DocumentsControl centrePolicies, receipts, liability certificates and renewals in one place.
- IndependenceAlready have a broker?Good. We do not need to replace anyone.
- MethodHow we workFrom NDA to a prioritised action plan.
- WhoThe teamRisk management, claims and insurer disputes in Spain.
What directors tell us
Nobody asks for a risk audit. They ask someone to make sense of this.
- “We pay a lot for insurance in Spain.”
- “I’m not sure this policy covers us.”
- “A client needs our liability certificate before we can start.”
- “The Spanish bank added insurance to our loan.”
- “The claim is taking forever and nobody calls us.”
- “Every adviser tells me something different.”
The visible pain is the premium, the paperwork or a claim. The real problem is lack of control and nobody seeing the whole picture.
In a Spanish operation this usually lands on someone who should not carry it: a local manager, an administrator or a director based in the UK, with no time and little knowledge of the Spanish insurance market. Or it is bought once and never reviewed again.
Why BLINDAJE360 exists
Every provider looks after its own patch. Nobody looks at the whole.
Large groups have a risk department. A mid-sized company with a Spanish operation usually does not, but it can outsource one.
- The bank looks at its own products.
- The broker looks at the policies.
- The insurer looks at its own risk.
- The accountant looks at tax.
- The lawyer looks at the contract.
- BLINDAJE360 tells you whether, as a whole, it is right or wrong.
Insurance audit for companies in Spain
Most people review policies. We review your company.
We check whether what you have contracted matches what your Spanish business actually is today: its activity, premises, assets and the people it depends on.
Documents
- Particular and general conditions
- Special clauses and endorsements
- Premium receipts and required certificates
- Claims history
Insurance
- Buildings, contents and stock sums insured
- Limits, sub-limits and excesses
- Exclusions and uninsured risks
- Under-insurance, over-insurance and duplicates
Physical
- Condition of premises and warehouses
- Sandwich panels and flammable materials
- Extinguishers and safety measures
- What is declared versus what is there
External checks
- Floor area and build year in the Spanish Catastro
- Address and actual use of the property
- Actual versus declared activity
People and business
- Partners and key people
- Long-term absence and disability
- Directors’ liability (D&O)
- Insurance tied to financing
Everything starts with a signed non-disclosure agreement. We will see sensitive information about your company.
Three levels, one ladder
From diagnosis to having someone permanently on your side.
Audit
Know where you stand
A full audit with an executive report, a risk map and a prioritised action plan.
- Policy and sums-insured analysis
- Key-person risks
- Insurance tied to loans
Implement
Fix it without doing it yourself
We coordinate with insurers, banks, brokers and advisers to carry out what you approve.
- Correcting sums insured
- Adjusting cover
- Reviewing proposals
Partner
Your external risk director
Ongoing oversight of risks, documents, renewals and decisions.
- Regular meetings with management
- Claims follow-up
- Review of new investments
How we work
A process with a clear start and finish.
- NDAConfidentiality signed before we see anything.
- DocumentsPolicies, receipts, property, vehicles, staff.
- AuditDocument review and a site visit if needed.
- DiagnosisErrors, gaps, duplicates and excess cost.
- Action planA roadmap with clear priorities.
- ImplementationWe carry out the fixes for you (optional).
- Follow-upOngoing review as your business changes (optional).
Frequently asked
We can add value without moving a single policy.
We are paid for consultancy, not commission. That is why our advice can be to keep exactly what you already have.
We already have a broker
Good. BLINDAJE360 does not need to replace them. We check whether the current structure is right and, if something needs improving, we coordinate it with them.
We don’t want to change our policies
We never change for the sake of it. If what you have is right, our recommendation will be to keep it.
Our accountant already handles this
Your accountant or gestoría covers tax and payroll. We coordinate the overall picture of your insurance protection.
We have never had a claim
That is exactly the point. The time to review is before a problem appears, not after.
We don’t have time for this
That is why we exist: to take the load off you, organise the information and coordinate decisions with your providers.
Do you work in English?
Yes. Meetings, reports and day-to-day contact can be in English, while we deal with Spanish insurers, banks and advisers in Spanish on your behalf.
Who is behind it
A team that has spent years inside the Spanish insurance market.
Pedro Cano created BLINDAJE360 so that a mid-sized company can have what large groups get from an entire department: someone independent who oversees, coordinates and defends its interests in Spain.
Pedro Cano
Risk Consultant
Leads BLINDAJE360. Key accounts.
Lorena Cruz
Business Risk Manager
Technical area, renewals and business claims.
Isabel Ortuño
Risk Manager
Individuals, communities and the self-employed. SME claims.
Jose Juan Córdoba Vega
Insurance Dispute Resolution Consultant
Over 20 years in claims, disputes and legal strategy.
In their words
Business owners who already have someone watching out for them.
When you run a company, you already have enough to worry about every day.
BLINDAJE360 took off my hands a responsibility I knew mattered but had neither the time nor the expertise for. Knowing someone is on top of it and will warn me when action is needed lets me focus on growing the business.
Alexis RosiqueCFO, Lucatex Iberica SL · translated from Spanish
Before, anything about insurance, renewals or paperwork ended up on my desk.
Not because I liked dealing with it, but because I did not trust leaving it unchecked. Since we started working with BLINDAJE360, I know someone is watching all of that and will tell me if anything needs my attention.
María MedinaManaging Director, Bordatres 2020 · translated from Spanish
Do you really know whether your Spanish operation is properly protected?
A diagnostic session with Pedro to see where your company is exposed and what to review first.
Limited sessions each month · Not a sales call
European funding
CAP SOLUTIONS 360 S.L. ha sido beneficiaria de Fondos Europeos, cuyo objetivo es el refuerzo del crecimiento sostenible y la competitividad de las PYMES, y gracias al cual ha puesto en marcha un Plan de Acción con el objetivo de mejorar su competitividad mediante la transformación digital, la promoción online y el comercio electrónico en mercados internacionales durante el año 2026. Para ello ha contado con el apoyo del Programa XPANDE DIGITAL de la Cámara de Comercio de Murcia. #EuropaSeSiente
[Logos: European Union · Fondos Europeos · Ministry / managing authority · Cámara de España — pending files from the Cámara]