Our professionalism makes us EXPERTS in environmental risks
United by a common interest
The SPANISH ENVIRONMENTAL RISKS POOL is made up of a united, coherent, highly qualified team. Our specialists, all experts in their respective fields, work together effectively with a shared goal: to serve our partners.
One of our strong points is accessibility for all the company’s departments.
Our hallmark lies in tailoring our services to deliver swift, professional outcomes in the Environmental Risks market.
SENIOR MANAGEMENT
Graduate in Law from Universidad Complutense de Madrid. Management Development Programme IESE 2022.
MAPFRE Industrial: 6 years in the Civil Liability Division. Head of Civil Liability Central Subcentre. Underwriting and management of all types of risks.
CASER: 7 years, 6 of them as Head of Civil Liability and Accidents. Managing both General and Professional Civil Liability and accident collectives (collective agreements, public tenders, etc.).
AON: 4 years as an account executive in the Professional Associations Area, focusing on Professional CL programmes. General Council of Lawyers, Madrid Bar Association, industrial engineers’ associations, etc.
Berkley: 4 years as Head of the Professional Civil Liability Dept. Healthcare civil liability groups, professional associations.
Since 2018, Manager of the CL Brokers Agreement Group. Currently combines managing the CL Brokers Agreement Group and the Spanish Environmental Risks Pool.
Technical Department
TECHNICAL DIRECTOR
T. +(34) 617315592
jllorenzo@perm.es
Degree in Business Administration and Management from the Universidad Pontificia de Comillas and a Master’s in Environmental Engineering and Management from EOI
He has over 24 years of experience as an Environmental Risk Underwriter; from 2000 to 2007 at the same organization, and from 2007 to 2024 as an Environmental Risk Underwriter at AIG. He was responsible for the Environmental department in Iberia from 2014 to 2024, handling various responsibilities, including managing and underwriting new business, renewing the portfolio, underwriting and managing multinational programmes, leading relationships with brokers and customers, ensuring the profitability of the department, as well as collaborating with other countries, sharing experiences and best practices aimed at strengthening the uptake of Environmental Liability insurance.
In November 2024, he returned to PERM as technical director.
Underwriting Department
Mª Ángeles Galán Urrea
SENIOR ENVIRONMENTAL LIABILITY UNDERWRITER
T. +(34) 617315592
maria.galan@perm.es
Industrial engineering qualifications and training in insurance, sustainable waste management and risk inspections and verifications.
In 2008, she joined the underwriting department at PERM to carry out analyses of industrial risks and offer reinsurance premiums to partner companies, maintaining a close relationship with them on various matters related to Environmental Liability.
She conducts courses on Environmental Liability and its insurance, as well as training for conducting inspections of various insurable risks.
Mario Migueláñez González
SENIOR ENVIRONMENTAL LIABILITY UNDERWRITER
T. +(34) 672048628
mmiguelanez@perm.es
Degree in Environmental Sciences from the European University of Madrid with a Master’s in Integrated Waste Management and Treatment and a Master’s in Occupational Risk Prevention, with complementary training in insurance and environmental risk management.
In 2006, he began his professional career in Ferrovial Services, later joining Cespa, S.A., within the same corporate group, as a technician-consultant in the Quality and Environment Department, carrying out tasks of implementation and monitoring of the ISO 9001 and 14001 standards at various work centres across the country.
In 2007, he joined the Underwriting Department of PERM, currently serving as Senior Environmental Risk Underwriter. His main responsibilities include studying reinsurance applications, calculating premiums, and sending the associated quotes. He technically analyses the company’s portfolio to support decision-making, provides training to underwriters, brokers, and risk inspectors, and visits external companies. He conducts internal audits of the quality of underwriting and advises customers on environmental liability insurance.
María del Carmen Moreno López
ENVIRONMENTAL LIABILITY UNDERWRITER
T. +(34) 672048651
maria.moreno@perm.es
Senior Technician in Computer Systems Administration with complementary training in general accounting.
She has been a member of the Environment Pool team since 2008.
During the early years, she was responsible for portfolio control, collecting, studying, and organizing economic data to undertake new commercial actions and improve risk assessment.
In the underwriting department since 2024, she provides support to the Pool’s partner companies by analysing risks, calculating premiums, and providing quotes.
Claims Department
Francisco Daniel Pozo Irastorza
CLAIMS MANAGER
T. +(34) 610344894
daniel.pozo@perm.es
Graduate in Law from Universidad Complutense, holding a Master’s Degree in Insurance and Risk Management from Universidad Pontificia de Salamanca, with additional training in Environmental Law.
Francisco Daniel began his professional career in the insurance sector in 2017, joining the Nuclear Risk Insurers’ Underwriting Department.
In 2018, he joined the Spanish Environmental Risks Pool, where he was responsible for processing claims, coordinating the involved parties through to effective resolution, and personally supervising decontamination efforts in any incidents that so required.
He provides support for the claims departments of partner companies, training claims processors in environmental liability matters and preparing quarterly reports and studies on claims settlements.
Production and Portfolio Control Department
Sonia Cabezas Gil
PRODUCTION DEPARTMENT ADMINISTRATIVE ASSISTANT
T. +(34) 672048611
soniacabezas@perm.es
As an Administrative Assistant in the Production Department since 2012, Sonia’s main duty is to register and account for accepted production and to control the business portfolio.
She works closely with the Accounting Department to ensure control of the accepted business.
She also helps ensure the efficiency and transparency of the department’s operations through adequate financial management.
Beatriz García Muñoz
PRODUCTION AND PORTFOLIO MANAGEMENT DEPARTMENT
T. +(34) 661622925
beatriz.garcia@perm.es
Graduate in Law, with a degree in Administrative Management and advanced knowledge of Microsoft Office.
With 17 years’ experience in the Spanish Environmental Risks Pool, Beatriz is currently part of the Production and Portfolio Management Department, after moving from Administration.
Her duties include receiving and registering bordereaux, detailing the operations transferred by partner companies.
Analyse policies with ceded and accepted risks, interpreting movements in new production policies and modifications, including adjustments, supplements or changes throughout the policy’s lifetime. Constant, close contact with insurance companies.
Close each quarter, reconciling the amounts of premiums ceded by each insurer and technical amounts.
Administration and Accounting Department
Luis Repullo Aznar
HEAD OF ADMINISTRATION AND ACCOUNTING
T. +(34) 617316174
lrepullo@perm.es
With 17 years’ experience in the Pool, Luis’s responsibilities include preparing and overseeing the company’s budgets and accounts, treasury control, managing reinsurance technical accounts and annual audits, ensuring compliance with fiscal, legal, and Social Security obligations, controlling equipment and office supplies, and managing personnel.