Análisis del proceso de liquidación de comisiones a un bróker de seguros en la ciudad de Guayaquil en el año 2022.

Abstract

The analysis of the process of settlement of commissions to an insurance broker is a fundamental issue for each insurer because it has several technical, financial, commercial, legal and market factors that, if they were to experience an imbalance, would cause a loss in the insurance carrier; For this reason, in this research work, an analysis of the process has been carried out with the objective of contributing significantly to the liquidity of the insurer. The implemented methodology allows us to analyze the financial, commercial and legal variables through interviews with the insurance company's management personnel, surveys of the brokers and an analysis of the financial statements, which allowed us to conclude that since there is a redesign of the commission settlement process to an insurance broker in which there is greater segregation of functions, change in the cancellation policies of policies that have expired portfolios, an increase in the deadlines established for the settlement of commissions, reducing delays and obstacles when carrying out the payment generates an economic benefit for the insurer without reducing the brokers' compliance with the current process.