Clarisse Tio

Specialist in claims expertise, audit, and insurance strategies, I secure the lifecycle of your risks BEFORE, DURING, and AFTER subscription.

Upstream, I conduct your risk assessments and draft your insurance specifications to translate your technical needs into robust coverage. My role as a consultant is to define tailor-made insurance strategies, including a rigorous insurance audit to identify coverage gaps or underinsurance situations.

During the management phase, I act as an expert in Property & Casualty and Liability claims, managing the technical and legal processing of complex claims. I analyze the admissibility of claims, qualify contractual faults or breaches, and coordinate expert assessments to evaluate material and immaterial damages. Working closely with lawyers and experts, I define defense or settlement strategies to close claims files while preserving the financial interests and sustainability of the insured,

As a P&C claims expert, I intervene following damage (fire, water damage, theft, storms) to determine the exact causes and assess the amount of damages. My role is to analyze the technical circumstances, verify the compliance of contractual guarantees, and precisely quantify repairs or losses to determine fair compensation.

Multi-risk, property, and personal lines claims manager within a luxury brokerage firm.