R&G Espinosa International Adjusters

What R&G Espinosa International Adjusters does

R&G Espinosa International Adjusters is a privately held, founder-led insurance and reinsurance loss-adjusting firm headquartered in Miami, Florida, with operating subsidiaries and offices across Latin America, the Caribbean, and the United Kingdom. Founded in 2005 by Ricardo Espinosa, the firm serves primary insurers and reinsurance carriers in markets where local knowledge must be combined with international reporting standards; its core offering spans seven coordinated service lines: property and engineering, financial lines and casualty, energy and government accounts, marine, cyber, catastrophe (CAT), and the dedicated Hospitality Industry Risk Handling Unit (HIRU) in Cancún.

The firm delivers its services through a regional-office model supplemented by an international surveyor network reaching 29 countries, with senior credentialed adjusters handling on-site inspections, policy interpretation, and consolidated reporting for insurers and reinsurers on complex, multi-jurisdictional claims. There is no disclosed proprietary technology platform; the service mix is delivered by qualified adjusters, engineers, and claims-handling specialists (including Dip CII-credentialed staff), and the firm has implemented ISO 27001:2022 across all offices to support information-security expectations of global carriers.

R&G Espinosa earns revenue through professional-service fees paid by insurance and reinsurance companies, typically structured per engagement or as panel/retainer work with major carriers (named logos include AIG, Allianz, AXA, Chubb, Munich Re, Swiss Re, Zurich, Tokio Marine, and more than 20 other tier-1 insurers and reinsurers). It has no external institutional investors or disclosed funding; ownership remains concentrated with the founder, with a senior management team including a VP, COO, CFO, and country/regional managers across Mexico, Colombia, Ecuador, Puerto Rico, Peru, and the Southern Cone.

Name

R&G Espinosa International Adjusters

Legal name

R&G Espinosa International Adjusters LLC

Website

https://rygespinosa.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

R&G Espinosa International Adjusters is a privately held insurance and reinsurance loss-adjusting firm serving Latin American primary insurers and reinsurers. Operating across 15+ offices in 13+ countries with a 29-country surveyor network, it delivers seven coordinated service lines spanning property, marine, cyber, energy, financial lines, CAT, and hospitality.

Ownership category

akta.pro rank

Product category

Insurance Loss Adjusting Services

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Insurance loss adjusting
• Reinsurance claims management
• Property and engineering claims
• Marine cargo surveying
• Catastrophe claims handling

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Claims Adjusting Services: R&G Espinosa generates revenue through professional service fees charged to insurance and reinsurance companies for loss adjusting services. Services are provided across multiple specializations including property, engineering, marine, cyber, financial lines, energy, and catastrophe claims. Revenue is project/engagement-based, typically billed per claim or on a retainer basis with major insurers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

R&G Espinosa International Adjusters is a professional services firm that provides independent loss adjusting and claims management to insurance and reinsurance companies operating in Latin America. The firm is organized into specialized divisions covering Property and Engineering, Financial Lines and Casualty, Energy and Government Accounts, Marine, Cyber, Catastrophe (CAT) claims, and a dedicated Hospitality Industry Risk Handling Unit (HIRU) based in Cancun, Mexico. Services combine local jurisdictional knowledge with international reporting standards and are delivered through regional offices and an international surveyor network spanning 29 countries.

Product overview

R&G Espinosa International Adjusters is an international insurance and reinsurance loss adjusting firm serving the Latin American market since 2005. The company operates as a single unified service offering (not a platform-plus-modules architecture) with specialized divisions that work together to handle complex insurance claims. The core portfolio consists of seven distinct service areas: Property and Engineering (damage assessment and policy analysis by engineers), Financial Lines and Casualty (complex financial and liability claims), Energy and Government Accounts (energy sector and government-related losses), Marine (Hull & Machinery and Cargo claims with global surveyor network), Cyber (cyber insurance claims and incident response), CAT (catastrophe management for high-volume events), and the Hospitality Industry Risk Handling Unit (HIRU) — a specialized sub-unit for hotel and hospitality risks located in Cancun, Mexico. These service lines can operate independently or collaboratively on complex, cross-border claims requiring multidisciplinary expertise.

Differentiator

Problem solved

Functional benefit

Brands

• HIRU (Hospitality Industry Risk Handling Unit): A specialized independent unit for risks inherent to the hospitality industry, integrating management, control and adjustment services. Strategically located in Cancun, Mexico.

Products and services

• Property and Engineering Loss Adjusting Insurance loss adjustment services for property damage and engineering-related claims, staffed by professional engineers and insurance specialists who assess damage and analyze policy wordings. The service is offered to insurance and reinsurance companies across Latin America.
• Financial Lines and Casualty Loss Adjusting Specialized claims handling for financial lines including Bankers Blanket Bond, Commercial Crime, Computer/Cyber Crime, and Professional Indemnity policies, as well as Casualty claims covering General Liability, Professional Liability, Directors and Officers, and Products Liability across multiple jurisdictions.
• Energy and Government Accounts Loss Adjusting Claims adjustment services for the Energy sector including Oil & Gas and Power Generation, as well as Government-related accounts. The practice leverages more than 20 years of energy sector loss management experience across Latin America.
• Marine Loss Adjusting Comprehensive marine claims handling including Hull & Machinery (major losses, fire investigation, general average, third-party liability) and Cargo claims (Stock Throughput, Cold Chain, Project Cargo, General/Special/Hazardous Cargo). Service is supported by an international surveyor network spanning 29 countries.
• Cyber Claims Adjusting and Incident Response Cyber claims handling including financial losses, business interruption, and data breaches from events such as ransomware, DDoS attacks, and electronic fraud. Service also includes incident response capabilities such as crisis management, tabletop exercises, and coverage advisory services.
• Catastrophe (CAT) Claims Adjusting Catastrophe claims adjustment for high-severity, high-volume events including earthquakes, hurricanes, and floods. Service features regional deployment of multidisciplinary teams, field inspections, triage, preliminary loss estimation, and consolidated reporting for insurers and reinsurers.
• Hospitality Industry Risk Handling Unit (HIRU) Specialized independent unit for hospitality industry risks including hotels and associated activities, providing integrated risk management, control, and adjustment services for General Liability and Professional Liability claims. Strategically located in Cancun, Mexico.

Quantifiable outcome

• Recognized across Latin America for efficient catastrophe management with ability to mobilize multidisciplinary teams, handle high-volume claims under pressure, and deliver timely, reliable reporting

Named customers26 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Davies Group: PE-backed claims solutions and loss adjusting platform with growing international footprint; competes for similar enterprise insurance and reinsurer adjusting work and represents a well-capitalized growth model R&G may be benchmarked against.
• McLarens: Independent global loss adjuster with deep carrier relationships and multi-line service offerings across property, marine, energy, aviation and specialty lines — a close functional comparable to R&G's full-service adjusting model.
• Charles Taylor Adjusting: International loss adjusting and claims services business serving insurers, reinsurers and Lloyd's syndicates; comparable to R&G in offering multi-jurisdiction, multi-line independent adjusting with a London market presence.
• QuestGates: UK-headquartered independent loss adjusting and claims management firm offering multi-line services across property, casualty, marine and specialty; comparable in scope to R&G's London-supported cross-border adjusting model.

Broad incumbents

• Sedgwick: One of the world's largest claims management and loss adjusting firms with global carrier relationships and a multi-line service portfolio directly overlapping R&G's property, engineering, marine, CAT and casualty adjusting offerings.
• Crawford & Company: Global independent claims management firm with extensive Latin American operations and broad multi-line adjusting capabilities; competes for the same global insurer and reinsurer mandates as R&G Espinosa.
• Aon (Claims & Risk Solutions): Global professional services firm with a substantial claims management and loss adjusting practice; competes for the same enterprise risk and claims mandates and is a major client-side counterparty influencing independent adjuster selection.

Regional players

• Independent Insurance Adjusters (IIA): Regional independent adjusting firm serving Latin American insurance markets; closest functional regional comparable to R&G Espinosa's Latin America-first market positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/rygespinosa
• LinkedInlinkedin.com/company/rygespinosa

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about R&G Espinosa International Adjusters