2023-07-08 09:27:20
He Association of Insurance Mediators of Girona (CMAG) reports that there are several types of companies that cannot insure their facilities and warns of the risk that this may pose. According to the union, this happens because the insurance companies “believe that the risk of fire – of some ships – is very high” and, for this reason, directly “they don’t insure them or they offer policies at a high price or with expensive deductibles” unaffordable by the companies. The president of CMAG, Jordi Triola, details that the problem particularly affects the “meat and food sector and recycling or chemical companies”. And, above all, to “industries built with sandwich roofs, which are highly flammable”.
The president of the Association of Insurance Mediators of Girona denounces that this casuistry “forces companies to self-insure”. And, if so, the companies must assume – in the event of some kind of disaster – the expenses incurred by the damage, in addition to civil liability in the event of damage to third parties. A situation that the sector warns causes a “lack of security” and for which Triola calls for “finding solutions”.
According to the CMAG, the situation is not new, but “is a problem that has been going on for some time” and that, moreover, “increases” year after year. The president of the CMAG, Jordi Triola, states that the association attributes this to the fact that “the insurance companies have put the brakes on, after a long time of wide-ranging”.
High risk of fires
In addition, as the school warns, to this circumstance is added the fear that the ships will catch fire. “The companies believe that the risk of fire at the moment is very high and they don’t want to take the risk”, assures Triola, who explains that in order to save on covering the ships “the prices – offered by the insurers – are much higher , expensive deductibles apply or, outright, no insurance is offered by some industries.”
The companies that suffer the most are, according to the president of the CMAG, those in the “meat, food, recycling or chemical products sector”, but also industrial buildings that are built with sandwich roofs. “It’s a cheap and easy construction, but with the problem that if it catches fire, it’s difficult to put out the fire because the insulation inside is very flammable,” he says.
In fact, this type of roof has become an element that has made it difficult to definitively extinguish recent fires, as is the case of the one that originated at the motorcycle dealership on the road from Barcelona to Girona. This happens because the fire is trapped between the two metal plates of the sandwich, while it consumes the insulation that protects it and makes it difficult for the firefighters to put out the fire.
Outside the banks and in Catalan
This problem has recently been exposed in the Parliament of Catalonia, during a meeting held by the Economic Commission. Apart from the impossibility of several companies to insure themselves, there was also criticism of what the guild of insurance brokers considers an “unfair banking competition” when it comes to selling insurance and also “the lack of use of Catalan by companies”.
On the one hand, Triola criticizes that the banks “breach the regulations by imposing insurance when contracting other products such as a mortgage”. And he is convinced that, with actions of this type, they carry out “unfair competition”. “There is a permissiveness that should not be there and that harms the client because many times the policy is not well done”, warns the CMAG president, who assures that “it is the insurance broker and not the banker” who should take care of this task.
Regarding the language in which policies can be taken out, Triola insists that “it is necessary to defend that all companies use Catalan in the documents” when they offer policies in Catalonia. The insurance broker claims to see to it that this happens. “They should do it as the law dictates and it must continue to be defended,” he concludes.
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