Areas of Focus

• Property and personal insurance · Home, artwork and valuables, civil liability, cars and motorcycles, life, medical expenses, education, and retirement (domestic and international).
• Business insurance · Real estate, contents, business interruption, and civil liability for industrial or commercial activities.
• Specialized surety bonds · Bidding, compliance, advance payment, hidden defects, leasing, fidelity, and supply (including the energy sector).

Representative Experience

• Design of multi-line portfolios for manufacturing and consumer groups, reducing coverage gaps and indemnification times.
• Structuring of performance and advance payment bonds for strategic contractors in public and private infrastructure projects, ensuring cash flow and mitigating penalties.
• Implementation of 24/7 claims response protocols that increased satisfaction rates among corporate and individual policyholders and shortened resolution cycles.

Professional Approach

Manuel combines actuarial analysis with a friendly manner: he assesses vulnerabilities, negotiates optimal conditions with leading insurers, and accompanies ChessMap clients throughout the risk cycle. He works in Spanish and English, with an ongoing commitment to trust, responsibility, and efficiency.