Skip to main content
LABORAL STACK
ESEN
Contact

Method

How we work

A written process can be audited. This is ours, with every step, its deliverable and its real status.

We do not have years of history to show; we have a method you can check. Each step states what you receive, how long it takes, and whether it is live today or pending the opening of our carrier panel (the only unavailability mention you will see on this page).

Method

  1. 1 · Request and triage

    Live

    We receive your request through the form, record it in a structured way, and a person reads it and replies.

    →
    A personal reply, not an automated one
    ⏱
    1 business day

  2. 2 · Initial risk review

    Live

    We analyse activity, contracts, data and dependencies; inventory your policies and renewals; and delimit the gaps against professional indemnity, cyber, D&O and legal protection. Free of charge.

    →
    A written document on exposure, cover and gaps
    ⏱
    One week (indicative)

  3. 3 · Specification and market exercise

    Pending carrier panel

    With your submission-ready information, we request terms from the market and compare them by cover, exclusions and price, not premium alone.

    →
    Comparable terms requested from several carriers
    ⏱
    Depends on each insurer

  4. 4 · Written recommendation and placement

    Pending carrier panel

    You receive a compared analysis and a signed recommendation, with the why. The decision is yours; issuance belongs to the insurer.

    →
    A reasoned, signed recommendation before you sign anything
    ⏱
    With the proposal

  5. 5 · Ongoing support, claims and renewal

    Pending carrier panel

    Case follow-up, support in claims before the carrier, and an annual programme review.

    →
    One point of contact, renewals calendar kept current
    ⏱
    Ongoing

Human review in regulated decisions

We use technology to capture, structure and trace information. Conclusions, recommendations and any regulated decision are made and signed by a person: José Schröder, director of the brokerage. No customer-facing AI.

Data and traceability

  • Every request is recorded in a structured way, with an unalterable activity trail.

  • No trackers or third-party cookies on the site; form data is processed as per the published privacy policy.

  • We do not ask for health data or special categories.

  • Defined, published retention; GDPR rights handled within the legal one-month period.

What this method does not do

It does not guarantee insurability or price: each insurer decides with your risk in front of them. It does not replace legal advice. And it does not promise what is not signed: each panel carrier will appear when its agreement exists.

Step 1 starts whenever you want

Request the initial risk review: five minutes of form, reply within 1 business day.

Request an initial risk review