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24/7 claims support

Insurance intermediary · Since 2015

No one should read their policy for the first time when filing a claim.

We compare coverage across five insurers, explain every clause and stay with you until the claim is paid.

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Insurers
5
Claims
24/7
Since
2015

Partner insurers: Seguros Mundial, AXA Colpatria, HDI Seguros, Positiva Compañía de Seguros, Zurich

01Your policy

We read your policy before the claim does.

A policy has five parts. We review each one with you before you sign, so the cover is the one you think you have.

  1. 01What and whom it protectsThe insured item, the policyholder and the insured. A mistake here voids the rest.
  2. 02What it coversThe contracted coverages, one by one.
  3. 03What it does not coverThe exclusions: the part almost nobody reads.
  4. 04What you payThe deductible you pay on each claim.
  5. 05Up to how much it paysSum insured, limits and term.
INSURANCE POLICY · HOMENo. 0000-104-552 · samplePOLICYHOLDERMaría Fernanda RuizINSURED PROPERTYApartment · BarranquillaCOVERAGEFire and earthquakeWater damageTheft of contentsFamily liabilityEXCLUSIONSDamage from lack of maintenanceUndeclared jewellery and artDEDUCTIBLE10 % of the loss, min. 1 minimum wage per eventSUM INSUREDCOP 450,000,000TERM12 monthsREVIEWED

Sample policy. Every policy has its own conditions.

02The gap

From damage to payment: what insurance covered in the 10 August earthquake.

The magnitude 7.4 earthquake caused an estimated COP 30 trillion in physical losses. Claims to insurers total COP 7.1 trillion and, as of 23 October, COP 1.08 trillion had been paid. Fasecolda acknowledges a significant protection gap: only 9.3% of the country’s homes have home insurance.

  1. Estimated physical loss

    COP 30 trillion1

  2. Claimed from insurers

    COP 7.1 trillion2

  3. Paid

    COP 1.08 trillion2

  • ≈ COP 22.9 trillionNot claimed (difference)
  • ≈ COP 6 trillionStill to be paid
Ribbon funnel: loss, claimed and paid in the 10 August 2026 earthquake
of the country's homes have some kind of home insurance (March 2026).3
9.3%
claims from 519 municipalities in 31 departments.2
102,370
of claims had received at least one payment by 23 October.2
26%

The figures come from sources with different scopes: the loss is a model of direct physical damage in five departments; claimed and paid amounts are insurance-industry reports covering 31 departments and every line of business. Proportions are indicative and claimed amounts still change every week. “Not claimed” and “Still to be paid” are differences between the published figures, not measurements: they do not show how much of the loss was insured.

Read the full analysis on the blog

Sources

  1. 1INGENIAR Risk Intelligence, Analytical assessment of the damage caused by the 10 August 2026 earthquake (in Spanish), Aug 2026
  2. 2Fasecolda, Insurers have paid over COP 1 trillion for the earthquake (Report No. 11, as of 23 October, in Spanish), Oct 2026
  3. 3Fasecolda, Earthquake: a guide for those affected (in Spanish), Aug 2026

03Why Jalal

We compare five insurers, translate the policy wording and stay with you until the claim is paid.

The year we started advising families and companies
2015
Insurers we compare every policy against
5
Insurance categories for individuals and companies
11
Support when a claim happens
24/7

04Insurance

Eleven categories, one single advisor.

See the full catalogue

05Insurers

We work with five insurers.

We compare them to find the policy that fits your risk. This is what public information says about each one.

Seguros Mundial
01 / 05
Colombia

Colombian backing for your contracts and your vehicle

  • Surety
  • SOAT (mandatory motor)
  • Rental guarantee
  • Judicial bonds
  • Engineering
  • Group life
52 years

in Colombia, since 1973, according to its official website

AXA Colpatria
02 / 05
France · Colombia

Backed by the AXA group, with a Colombian track record

  • General insurance
  • Life
  • Health
  • Occupational risk
  • Motor
  • SME
51%

of the company is owned by AXA; the remaining 49% by Colpatria

HDI Seguros
03 / 05
Germany

Part of Germany's Talanx group, with Liberty integrated

  • Talanx bought Liberty Seguros in Colombia, Chile, Ecuador and Brazil. The Colombian merger was approved in March 2024, and HDI guarantees the continuity of Liberty policies. Source: Valora Analitik, Oct 2024
  • Entered Colombia in 2017 by acquiring Generali. The integration with Liberty was completed in February 2025, and it now insures more than 364,000 cars in the country. Source: HDI Seguros, Sobre HDI Seguros, Nov 2026
  • Motor
  • Home
  • Life
  • Health
  • Surety
  • Transport
  • Liability
2024

the year its merger with Liberty Seguros in Colombia was approved

Positiva Compañía de Seguros
04 / 05
Colombia · Ministry of Finance

Life and occupational-risk insurer, majority state-owned

  • Occupational risk
  • Group life
  • Individual life
  • Personal accident
  • Funeral
  • Life annuities
22.3%

of occupational-risk premiums written in Colombia in 2024

Zurich
05 / 05
Switzerland

Swiss group founded in 1872, in Colombia since 2015

  • Home
  • Mobility
  • Life
  • Mass market
  • Surety
  • Liability
2018

the year the Financial Superintendence approved its purchase of QBE Seguros in Colombia

Public data with its source and date. Each card carries the insurer's official logo, with its authorisation.

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