Ir direto ao conteúdo

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.

Read more
Logotipo do Risk Labs, laboratório de riscos da Horiens.


How to turn data into strategy to improve risk and insurance management?

Discover Risk Labs, our data science-based risk predictive analysis laboratory.

  • International presence

  • Experience in highly complex projects

  • Strong relationship with the global insurance market

  • Scope of creditworthiness

  • Differentiated technical expertise

  • Use of data science applied to challenges

  • Tailored risk and insurance solutions

  • Partnership and trust

Our solutions

Instalação industrial localizada em uma região litorânea mostrando a abrangência da consultoria em gestão de risco para empresas.

Risk Management Consulting

Integrated risk management for projects and businesses.

Profissional analisando números de garantias e seguros de crédito em uma lousa digital.

Guarantees, Credit Insurance and Political Risks

Leverage creditworthiness and protect cash flow, with a focus on liquidity, for projects and companies.

Profissional usando óculos e capacete de proteção exemplificando a análise e o acompanhamento de risco dos seguros da Horiens.


Identification, analysis, transfer and monitoring of risks of various types for projects and companies.

Mãe, pai e filho se divertindo juntos representando os benefícios do programa de saúde da Horiens.

Health and Benefits

Insurance management of corporate health and benefits programs, with tailored service solutions for managers and beneficiaries.

Some of our clients

Our way of doing things

Homem analisando plantação representando os seguros personalizados da Horiens.

Truly personalized insurance

Understanding our clients’ challenges to create the best insurance solution is the first step in every project we work on.

Trio de profissionais analisando dados para ilustrar o acompanhamento durante o processo.

Understanding the business

We have decades of experience supporting large companies in managing risk and structuring corporate insurance programs.

Profissionais em reunião para ilustrar o processo de entendimento do negócio.

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.

Especialistas da indústria analisando dados de equipe em um notebook.

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

It all starts with a conversation

Our team can support the sustainable growth of your business.

Want to connect with us?

Newsletter Horiens

Register your email and receive our insights and articles:

This site is protected by reCAPTCHA and the Google Privacy Notice and Terms of Service apply.