Financial Products

Use and management of personal data and risks related to new technologies; economic and political instability; global and local jurisdictional challenges; managerial responsibility of directors and administrators; management of staff and professional responsibility to customers or concerns related to continuity plans and reputational risk: these are just some of the problems that many organisations currently face.

For many years RibéSalat's specialised Financial Products division has been helping companies to identify, manage and transfer all the risks that may pose a threat to business continuity.

Tailor-made comprehensive solutions and proactive risk management enable us to help our customers to manage specific challenges and feel confident about the future of their business.

In order to do this, we specialise in three main areas:

Responsibility of the management team and the company

D & O (Director's & Officer's) - a policy that covers the personal assets of managers and directors, while also covering the assets of the company itself against third-party claims.
EPL (Employment Practice Liability) - a policy that protects the company, managers and staff against work-related claims by employees (e.g. mobbing, discrimination, etc.).
Crime - A policy that reimburses the company in the event of financial losses related to fraud by employees (acting alone or with third parties).
Public Offer of Securities Insurance (POSI) - a specific insurance policy developed to cover the responsibilities of the management team when there is a capital increase or the company's shares are floated on the stock exchange.

Cyber risks and intangible assets

Cyber Risk An insurance policy that protects the business from cyberattacks that compromise the security of its computer systems and helps it to deal with the direct loss caused by business being interrupted and indirect losses caused by the claims of third parties affected by the incident.

Brand Reputation An insurance policy designed to cover all reputational issues related to products (e.g. withdrawal of products), services (e.g. issues related to quality), customers (e.g. privacy management) or social responsibility.

Risks related to M&A operations

Warranty & Indemnity (W&I) - A policy that compensates for the asymmetry of information between seller and buyer in a sale and purchase process when the declarations and guarantees are being specified in a contract.
Title Insurance (TI) - A policy that offers financial cover for a series of risks related to real estate and assets, including, for example, challenges to legal ownership, problems related to liability limits, the insolvency of previous owners, lack of documentation, and many other cases.
Tax Liability Insurance (TLI) - Tax Liability Insurance mitigates the costs arising with respect to tax risks identified in current, pending or historical transactions.
Fund Liquidation Insurance (FLI) - A policy used to unblock capital held in reserve for contingent liabilities when investment funds are reaching the end of their useful life.
Contingent Risk Insurance (CRI) - A policy that transfers identified risks with a high level of uncertainty away from the negotiating table. The transfer of such specific contingencies is guaranteed, enabling the seller and buyer to then concentrate on matters central to the M&A operation.

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In order to do this, we specialise in three main areas:

Responsibility of the management team and the company

Cyber risks and intangible assets

Risks related to M&A operations

Content related to financial products

Contact our financial facilities specialist