Christian Rubio

Manage the contracting risk mitigation program, existing between Aon and different companies of the construction industry, which includes all activities inherent to the technical and commercial process, through policies underwriting of compliance and public liability, required for different constructions projects developed by the customer and subcontractors.

• Advise clients with the design of the contract´s templates and the guarantees to be stipulated according to business activities made by customers.
• Make a financial and technical analysis of each subcontractor of the customer who wants to be linked to the risk mitigation program
• Coordinate with the different insurance companies, the issuance of the policies corresponding to the risk mitigation program.
• Generate the report of expirations, renewals, and production of the policies related to accounts and customers in charge.
• Carry out the control and monitoring of the debt portfolio.

Develop financial advice for several customers of retail and commodities industry, based on the design and subscription of compliance policies and public liability needed for their commercial activities, allowing them to mitigate risks in the contracting, acquisition of goods and services.

• Manage the databases of the client's subcontractors, in order to continuously monitor the financial capacities for the execution of new work contracts.
• Prepare and provide you with a Statement of Advice.
• Help clients to identify their individual and/or business risks to help them to decide what to insure, and how to manage those risks in other ways.
• provide a advice for clients who need to make a claim related with different types of policies.
• Generate the report of expirations, renewals, and production of the policies related to accounts and customers in charge.
• Carry out the control and monitoring of the debt portfolio.

• Evaluate insurance applications for motor vehicles, including cars, motorcycles, trucks, and other vehicles.
• Assess the risk profile of applicants based on factors such as driving history, age, location, vehicle type, and usage (personal or commercial).
• Analyze claims history, traffic violations, and accident records.
• Use actuarial data and statistical models to predict the likelihood of claims.
• Determine appropriate premiums based on the assessed risk and coverage requirements
• Apply discounts or surcharges based on factors like no-claims bonuses, safety features, or high-risk indicators.
• Decide the scope of coverage for each policy, including liability, collision, comprehensive, and additional options like roadside assistance or rental car coverage.
• Set policy limits, deductibles, and exclusions.
• Ensure policies comply with local, state, and federal regulations.
• Stay updated on changes in insurance laws and industry standards
• Communicate with brokers, agents, and clients to clarify information or explain underwriting decisions
• Provide recommendations for risk mitigation or additional coverage options.
• Review existing policies for renewal, reassessing risks and adjusting terms or premiums as necessary.
• Evaluate changes in client circumstances (e.g., new drivers, vehicle modifications)
• Monitor industry trends, competitor offerings, and market conditions to adjust underwriting strategies
• Stay informed about emerging risks, such as electric vehicles or autonomous driving technology.