Audit your coverage before a claim does.
Initial Score™ 0–100, heat map by dimension and adequate coverage blueprint. Before quoting a single policy.
Learn about AXORIS Audit™The problem
67% of corporate policies in Colombia have unaudited gaps.
When a claim occurs, discovering the gap costs between 8 and 32 times more than preventing it. These are the three most common blind zones we see in Colombian mid-market companies.
Property underinsurance
The insured value is calculated at historical cost, not at today's replacement cost. The difference is the real loss in case of a major claim.
Typical casesSilent exclusion clauses
Subrogation, environmental exclusions, per-event limits — clauses in the contract that reduce effective recovery to 30–60% in case of a claim.
How we detect themMissing coverage lines
Cyber, D&O, employer's liability, commercial credit — material 2026 risks that traditional Colombian policies leave out by inertia.
The new risk profile
The AXORIS Score™
A number your CFO understands. A methodology your auditor respects.
The AXORIS Score™ summarizes your adequate coverage level in a single number from 0 to 100, calculated with the AGPID formula — registered as a trade secret with Colombia's Superintendence of Industry and Commerce.
The methodology evaluates the company's exposure based on 31 metrics with 93% coverage of the standard insurance portfolio of the Colombian enterprise segment.
71/ 100verde
Q167Month 861Q471
Property·8
0.74
Liability·8
0.78
Operat.·9
0.66
People·6
0.62
Drift detected month 8 (4.2B COP undeclared machinery · P-02 + P-08). Endorsement executed in ≤30 days. Automatic nightly recalculation · proactive retainer alert.
How we work · Methodology
Five phases. No pre-packaged policies.
An auditable methodology that turns corporate insurance into a protection program defensible before the board and statutory auditor. Five phases with defined legal responsibility and explicit traceability risk → coverage — from diagnosis to claim.
- PHASE 01
Diagnosis
ADVISORY
We understand your operation in depth and measure real risk — so you know with figures what is covered and what is exposed.
- PHASE 02
Design
ADVISORY
We design a protection architecture tailored to your operation. No pre-packaged policies: every decision responds to an identified risk.
- PHASE 03
Placement
SEGUROS
We call on the best insurers in the market and negotiate on your behalf. You decide on a comparable, auditable matrix.
- PHASE 04
Monitoring
ADVISORY
We watch month by month that coverage keeps pace with your operation. We alert you before a change leaves it out of date.
- PHASE 05
Claims
SEGUROS
When a claim occurs, we accompany you step by step before the insurer — from notice to indemnification payment.
Evidence
What our clients say.
Three cases in critical sectors to understand the AXORIS method in operation.
“They detected an exclusion in our D&O that no broker had mentioned in 8 years. They replaced it in 21 days.”
1 D&O exclusion detected · 21 days to replace“The Score™ is the first insurance metric I understand without a broker translating it for me.”
Score™ 47 → 78 in 9 months“We reduced premium 18% without reducing coverage. Just by removing the double premiums that no one had mapped.”
−18% premium without reducing coverage · year 1
— The first step is the diagnosis
How much it costs not knowing where your blind zones are.
Reserve 30 minutes with our audit team. We show you your preliminary Score™ before any commercial commitment.
No cost · no commitment · response within 24 hours
Auditamos antes de cotizar.