It all starts with a conversation
Our team can support the sustainable growth of your business.
Together, we anticipate the future
Technical expertise and individualized strategy are key elements for managing business risksand insurance.
Discover our approach to work.
Health insurance and benefits management for companies
Discover our approach to supporting businesses in taking care of their employees.
Discover Agrymetric
A new model of innovative and personalized parametric agroclimatic insurance to protect your crops.
Our differential is to make our customers' challenges, our own challenges
We help companies manage risk and insurance, turning uncertainties into opportunities. We approach each challenge uniquely, proposing tailor-made solutions so that your company can make the best decisions.
We work in a multidisciplinary and integrated manner, combining deep technical expertise and experience in the insurance market and in the various market sectors, resulting from 45 years of business trajectory.
DATA DRIVEN APPROACH
How to turn data into strategy to improve risk and insurance management?
Discover Risk Labs, our data science-based risk predictive analysis laboratory.
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International presence
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Experience in highly complex projects
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Strong relationship with the global insurance market
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Scope of creditworthiness
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Differentiated technical expertise
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Use of data science applied to challenges
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Tailored risk and insurance solutions
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Partnership and trust
Our solutions
Risk Management Consulting
Integrated risk management for projects and businesses.
Guarantees, Credit Insurance and Political Risks
Leverage creditworthiness and protect cash flow, with a focus on liquidity, for projects and companies.
Insurance
Identification, analysis, transfer and monitoring of risks of various types for projects and companies.
Health and Benefits
Insurance management of corporate health and benefits programs, with tailored service solutions for managers and beneficiaries.
Some of our clients
Horiens’ work goes far beyond efficient policy management. For us, the big differential of the service provided is the consulting service in the day to day of our business. As a multi-purpose arena, it is common for new and complex situations to arise. This is when counting on Horiens’ expert advice in the different insurance lines makes all the difference.
Paulo Vitor, Controllership Coordinator at Fonte Nova Arena
The expertise of Horiens’ team in the insurance market in Angola and its interaction with the country’s leading insurers are factors that add value to Biocom and it is for this reason that, since the beginning of our operation, the partnership between Biocom and Horiens has been consolidated.
Juliana Fonseca de Azevedo, Legal Director at Biocom
I have found in Horiens, a team specialized in risk and insurance, able to provide technical, complex, and highly competitive solutions. We highly trust their experience and their dedication to the agreed objectives is exceptional; we always feel as if we are their only client.
Danilo Garcez, Braskem Idea Finance Director
Horiens has always been heavily involved in all our proiects as our insurance expert support in contract and risk analyses. We believe their team has a fundamental role in our business today to provide the assurance we need in this crucial project area.
Jorge Mitidieri, UNSI Ocyan Superintendent Director
Horiens holds a strategic partner position in our business. With a qualified and specialized team seeking constant training on the specifics of each company it serves, Horiens stands out for its differential service, greater speed in solving problems, and the offer of products and solutions with high added value to the business.
Ludmila Pamponet, Director of Planning and Personnel, OEC
Our way of doing things
Truly personalized insurance
Understanding our clients’ challenges to create the best insurance solution is the first step in every project we work on.
Understanding the business
We have decades of experience supporting large companies in managing risk and structuring corporate insurance programs.
Follow-up from start to finish
Our work begins with the identification and quantification of risks and is consolidated on a day-to-day basis with close monitoring throughout the risk management and insurance cycle.
Team of experts
With a specialized team in various sectors, we are always seeking the best equation of results for our clients.
Understanding the risks takes us further
See how we can add value to your business.
Notícias e artigos
Strong is he who takes care of himself: prevent prostate cancer
Why is talking about prostate cancer so important? With this question, nurse Lucas Gardim, from Healthbit, Horiens’ partner company in the management of corporate health plans, began a live especially dedicated to Blue November, held on …
World Diabetes Day: how to prevent the disease?
Did you know that 1 in 10 people are currently living with diabetes, and the majority of these cases are type 2 diabetes, a disease strongly related to lifestyle and, therefore, preventable? According to the …
Black Friday and Cybersecurity
Black Friday | Do you know how to shop online safely? Check out a quick guide to avoid falling for digital scams, becoming a victim of data theft and financial loss. Information and awareness are …
Men: overcome prejudice and take care of your health!
November has arrived, and with it comes all the mobilization surrounding the Movember campaign, a global awareness movement about prostate cancer. Despite the warning, many men, even those with easy access to information, still neglect …
Horiens 45 years: a story to be proud of!
Horiens is celebrating 45 years in business. An intense journey, marked by creativity and innovation in the delivery of insurance and guarantee solutions to make big business viable, and also by the willingness of a …
Self-care and breast cancer prevention: a call to celebrate life
The month of October brings with it a call to action that can have an impact on the future of many people: breast cancer prevention. This is the time when the world comes together to …
Shall we talk about psychologically safe environments?
Check out the article by Fernanda Antonelli, head of the People, Communication and MKT areas at Horiens. The psychological safety of an environment is fundamental to the mental health of the people in it. But …
Mental health: breaking down stigmas and prioritizing care
We live in a society that overvalues the ideal of the perfect life, leaving little room for the vulnerabilities that are part of any human being’s experience. On the internet, people share memorable moments, in …
Have you heard of green hydrogen (H2V)?
Check out the article by Carlos Lichtenberger, Head of Risk and Insurance for Infrastructure and Concessions at Horiens. Green hydrogen (H2V) is considered the fuel of the future because it is produced from clean energy …