Albatroz MGA S.A.

Salvatore Lombardi, CEO

In cross-border cargo and transport insurance, trust is not built through scale or ambition. It is earned through underwriting discipline, predictability of outcomes, and the absence of surprises once risk is on the books.

Albatroz MGA S.A. operates with this definition in mind. Focused exclusively on cargo, logistics, and transport risks across Latin America, the company acts as a delegated underwriting partner, structuring risks before pricing and aligning insurance programs with the operational realities of complex logistics environments.

Underwriting Before Pricing

Albatroz’s underwriting process begins at intake, not placement. Each submission is reviewed through a logistics-led lens that examines trade lanes, cargo sensitivity, modal exposure, aggregation points, jurisdictional factors, and client control environments. Only once operational suitability is established are commercial terms introduced.

This approach allows Albatroz to filter and qualify risks early, reducing friction for insurers and brokers while supporting portfolio consistency over time. By shaping risks upfront, the company improves exposure transparency and limits volatility across cross-border programs.

“We underwrite cargo risk as a live logistics process, not a static risk exposure,” says Salvatore Lombardi, CEO of Albatroz MGA S.A. “That discipline is what creates trust with insurers operating in complex regional markets.”

Discipline That Protects Insurer Confidence

Albatroz applies a standardized underwriting framework across all cargo and transport programs, designed to protect capital consistency and reduce portfolio volatility across markets. Defined acceptance criteria, early accumulation controls, structured limits and deductibles, and continuous monitoring of loss frequency and severity form the backbone of this model.

For insurers, this translates into cleaner submissions, faster decision-making, and greater confidence that portfolios will perform as expected. Albatroz positions itself as a risk owner rather than a distributor, maintaining accountability beyond bind through active portfolio oversight.

In one multi-country ocean cargo program spanning several Latin American trade lanes, Albatroz adjusted deductibles based on cargo sensitivity, applied sublimits to high-risk corridors, and introduced mandatory risk management protocols for storage and transit. This program was monitored under Albatroz’s centralized underwriting governance framework. Placement timelines were reduced by more than 40 percent, exposure visibility improved for participating insurers, and loss frequency declined within the first policy year.

Claims management plays a critical role in reinforcing trust. Albatroz integrates claims feedback directly into underwriting review cycles, using post-bind performance data to validate assumptions, refine controls, and correct deviations early.

This closed-loop approach reduces disputes, accelerates resolution, and strengthens insurer confidence that underwriting discipline persists throughout the policy lifecycle, not only at inception.

Built for Latin American Complexity

Cargo and transport risks in Latin America are shaped by regulatory fragmentation, infrastructure variability, security exposure, and uneven claims environments. Albatroz addresses this complexity through centralized underwriting governance supported by regional execution, ensuring consistency without ignoring local realities.

The company’s operating focus remains deliberately narrow. By concentrating solely on cargo and transport underwriting, Albatroz maintains the discipline required to deliver predictable outcomes in a region where volatility is often the norm.

Trust, in this context, is not a claim. It is the result of repeatable underwriting behavior, transparent performance, and long-term alignment with insurer capital. That is the standard Albatroz MGA is built to meet.