Risk management
Risk Management for Companies
The Risk Management refers to the practice and methodology used to mitigate risks and protect resources of the company versus possible damages, losses or losses that may cause an accident, through a sequence of activities that include identification, analysis and evaluation risk, and then establish your treatment strategies.
In Meriñán & Asociados, We have specific training and extensive experience in Risk Management, which allows us to elaboratea valuable report on all the threats of your company.

The process What we do with our clients consists of:
  • Business analysis and understanding:
    • The process begins with the collection of the necessary basic information about the organization and business of each department
  • Identification and assessment of risks:
    • The identification of risks allows knowing the existing ones and they must be structured at different levels:
      • General risks of the organization
      • Particular risks by workplace
      • Specific for processes, activities or equipment
    • For each level you must specify:
      • The risks
      • The causes
      • The effects
      • The established controls
    • Once identified, it is necessary to evaluate them and for this we will take into account:
      • Exposure to risk
      • The probability of their occurrence
      • The impact that couldhave if these risks materialize
    • All this is specified in the so-called risk map
  • Policy analysis:
    • This phase contemplates the elaboration of a detailed scheme of:
      • Insurance policies
      • Determining the level of communication and control with companies and mediators
      • The diagnosis on mediators and companies used
      • The preparation of a report on the accident rate suffered in recent times
    • All this is contemplated in the so-called policy map
  • AnalysisAdequacy of policies to risks:
    • To specify a sufficient level of policy and risk adjustments, the content of the risk maps must be checked against the policies provided for in the previous sections.
  • Alternatives: control, hold and transfer.
    • Once the level and types of risk have been specified, the company basically has three options:
      • Control them to eliminate or minimize them
      • Retain them, by allocating accounting reserves
      • Transfer them by contracting or modifying insurance policies.
  • Risk reduction plan:
    • You can consider the following aspects:
      • Technical actions
      • Legal actions
      • Administrative actions
      • Monitoring and control measures
      • Formation plans
      • Communication and information
      • Accident investigation
      • Emergency plans
  • Assurance plan:
    • Behold
      • The risks to be insured include its location, capital and protection measures.
      • The insurance offer
      • Rating, solvency and experience of insurance companies
      • Scope and detail of coverage
      • Recommendations and suggestions
      • The professional who mediates in your hiring
  • IRisk management report:
    • The report clearly and concisely contains the most relevant information
      • Methodology used
      • description of the activity
      • Results and recommendations
    • The data obtained at all stages are incorporated into the report
  • Management and Monitoring:
    • The Risk Management report is a "still photo", at a certain point in the life of the company
    • It is obviously necessary to periodically review it to determine the degree of fulfillment of the objectives pursued, as well as to contemplate possible changes in the reality of the risk
    • An annual review of the report is recommended, which will provide a reliable and updated "risk photo".



Leading company in risk management for companies

Zurich Insurance is one of the leading companies in risk management for companies. Its large corporate clients include 85% of the companies listed on the IBEX 35, and the SME segment has more than 84,000 clients. To serve these clients, Zurich Empresas has a team of 275 professionals throughout Spain. These specialists help employers, freelancers and merchants to identify the risks of their company and design the most appropriate policy so that an unforeseen event does not endanger the continuity of their business.
Meriñán & Asociadosoffers you, totally free, the possibility of making a report Risk management for your company.

If you are interested, we propose you to hold an interview in which we will expand information and jointly trace the lines of action.
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