Services for companies doing business in Spain
Insurance audit, implementation and ongoing risk oversight in Spain. Independent, in English.
Three services that build on each other. Start with an audit of what your Spanish operation already has, let us carry out the fixes with your current providers, and keep someone on your side as the business changes.
We never sell insurance. We are paid for consultancy, not commission.
Service 1 · Audit
Insurance audit: know where you stand.
A full independent review of the insurance your Spanish company, subsidiary or property already holds, checked against how the business really operates today.
What we do
- Inventory of every policy, who placed it and when it renews
- Sums insured checked against real values, to avoid the proportional rule
- Declared activity compared with what you actually do
- Directors’ liability (D&O), key people and insurance tied to loans
- Duplicated cover and gaps between providers
When it fits
- You have a business, branch or property in Spain and are not sure it is properly covered
- Policies were placed by different brokers, banks and agents over the years
- The business has grown or changed since the policies were written
- You want an outside view before a renewal
What you receive
- Executive report in English
- Risk map of the Spanish operation
- Prioritised action plan
- A meeting to walk the board through the findings
Service 2 · Implement
Implementation: fix it without doing it yourself.
Once you approve the action plan, we coordinate the changes with your insurers, brokers, banks and advisers in Spain, in Spanish, and report back to you in English.
What we do
- Correcting sums insured and declared activity
- Adjusting cover and removing duplicates
- Reviewing the proposals your providers send
- Checking the new documents before you sign
When it fits
- The audit found issues and you do not have the time or team to fix them
- Your providers only speak Spanish
- You want changes made without moving policies unnecessarily
What you receive
- Each fix carried out and documented
- Updated policy inventory
- A short closing report
Service 3 · Partner
Partner: your external risk director in Spain.
Ongoing oversight of your risks, documents, renewals and decisions in Spain, as an external risk department for companies that do not need one in-house.
What we do
- Regular meetings with management
- Renewal calendar and review before each renewal
- Claims follow-up, including the Spanish notification deadlines
- Review of new investments, premises or contracts from a risk point of view
When it fits
- Your Spanish operation keeps growing or changing
- You want one person who sees the whole picture
- You have had a claim that went badly and do not want a repeat
What you receive
- A named contact who knows your company
- Periodic review reports
- Warning in good time when a decision is needed
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).
Not sure which service you need?
Start with a diagnostic session with Pedro Cano. We look at your situation and tell you what to review first. In English, and without selling you a policy.
Or read the guide for UK directors first.
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