In addition to the legal figures in the insurance policy, there are others that may or may not be involved, depending on the needs of each policy. The most typical are:
- Mediator: sometimes the policy is taken out directly with the insurer, but it is common for an insurance mediator to be involved. Their main function is to advise the customer on the type of insurance that best suits their needs and preferences.
- Loss adjuster: this is the person, natural or legal, who is responsible for determining the circumstances in which a claim occurs and financially assessing the consequences, in order to determine the indemnity that may correspond to the beneficiary of the insurance.
- Other professionals: the consequence of a claim covered by insurance is compensation, or indemnity. This may be financial or, in many cases, the provision of a service. These types of professional services can be very diverse: from people who repair material damage (painters, plumbers, electricians, etc.), to those who provide advice in multiple economic and legal situations (lawyers, economists, managers, etc.), as well as healthcare and personal services (funeral directors, physiotherapists, doctors, etc.).
These professionals may or may not work directly for the insurer, but they always act under the insurer’s responsibility.