About Horiens

Consultative approach to risks and insurance to expand opportunities

We are experts in risk management, insurance and guarantees (surety bond) for large industries and companies, with more than 40 years of experience in highly complex projects in various market segments. Our mission is to protect companies and people in a world that is constantly renewed, always driven by our clients’ challenges.

For us, seeing beyond means expanding horizons safely and clearly, which is why we value in-depth knowledge of risks and scenarios whenever we start a new project. This is what drives us every day to build qualified and accurate solutions that help our clients take the best business decisions.

Our essence in four pillars:

Technical knowledge
Smart solutions
Trust
Partnership

Our numbers

R$ 215.6billion

in insured
assets
R$ 3.2billion
(612.5 million
dollars) in guarantees
inssued
R$ 16.751 billion in managed
guarantees
R$ 33billion
in insurance
liability
R$ 562million
in monetized
claims
more than 100thousand
people in health
insurance
more than 33
thousand
people in life
insurance

*2022 data

Solid and transparent partnerships

We cultivate long-term relationships with clients and with the international insurance market main players, with access to specialized markets to diversify bonding capacity, mitigate and transfer risks. Transparency, dialogue, and governance are pillars in relationships and are drivers for us to work consistently in the creation of risk and insurance management programs.

Sum of expertise

To support our clients in their challenges involving risk and insurance, Horiens is constantly seeking to broaden its expertvision. To this end, since 2021 we have entered into partnerships with companies that have extensive know-how in their areas of expertise, bringing technical and commercial complementaritiesto our performance.

Get to know our partnerships:

Horiens and Agrymet for productivity forecasting and safer decisions in agribusiness. Learn more.

Horiens and Gallagher for a highly specialized vision of the energy, oil and gas market. Learn more.

Knowledge of the business line

Quality is one of the premises of our work at Horiens and our differentiated technical expertise is our foundation to develop strategies that support our clients’ safe growth in various segments, such as infrastructure, concessions and Public-Private Partnerships (PPPs or P3s), transport and logistics, oil & gas, agriculture, and chemicals and petrochemicals, among others.

Specialized technical analysis:

• Benchmark in analysis, proposition and review of clauses
• Efficiency in claim adjustment
• Low rate of legal disputes
• Development of new products and solutions related to risks, insurance and guarantees / surety

International presence

We have the ability to work globally and are experienced in the Americas, Europe, Africa, and Asia. Our teams in Brazil and the United States are versed in scoping bonding capacity, understand the scenarios and regional and country-specific regulations, and maintain solid relationships with the international insurance market.

São Paulo/SP (Brasil)
Rio de Janeiro/RJ (Brasil)
Houston/TX (EUA)

Countries where we operate

South Africa
Germany
Angola
Argentina
Austria
Bolivia
Brazil
Canada
Chile
Colombia
South Korea
Cuba
United Arab Emirates
Ecuador
Spain
Estados Unidos
France
Ghana
Guatemala
Netherlands
Hong Kong
Reino Unido
Luxembourg
Mexico
Mozambique
Norway
Panama
Peru
Portugal
Dominican
Republic
Singapore
Switzerland
Tanzania
Venezuela

Our offices

São Paulo/SP (Brasil)
Rio de Janeiro/RJ (Brasil)
Houston/TX (EUA)

Specialist professionals and close relationships

Our professionals are highly capable of sharing knowledge; they analyze and solve problems to create customized solutions in risk, insurance, and surety bond programs. Horiens’ team includes experts that are extremely knowledgeable in the various industry and market segment dynamics and specific needs and requirements.

We operate in a multidisciplinary and integrated way, in the initial analysis and monitoring of risks.

Diversity and Inclusion

Diversity and inclusion are pillars of Our Culture. We believe in the potential of each human being to develop him/herselfand we dedicate ourselves so that our work goes beyond the satisfaction of our clients, benefiting society by promoting sustainable development and building a fairer world for all.

Since 2020, Horiens has a Diversity and Inclusion Committee composed of members from different areas of the company who, together and through the interaction with the teams on a daily basis, bring ideas and collaborate for the promotion of a more plural and inclusive work environment, encouraging access, space and respect to the same opportunities.

In 2021, Horiens became a partner of Sou Segura, an association that works for gender equity by fostering knowledge, opportunities and engagement among women in the industry. Sou Segura is made up of representatives from all agentsof the insurance market: insurers, reinsurers, brokers, and service providers, among others.

In 2022, we launched the first edition of the Horiens Internship Program for Black Women, in partnership with the ethno-racial consultancy EmpregueAfro, an initiative that is engaged in the intersection of race and gender, encouraging the entry and career of black women in the business market.

Horiens continues to be attentive to the promotion of increasingly diverse environments, incorporating new plural horizons, richer and that broaden our vision and capacity to provide answers to the challenges of our time and place.