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How to see far beyond and take the best decisions?

At Horiens, we believe that innovation is more connected to an attitude than to a product or technology. That is why we operate with the focus on our clients, looking at their experiences, journeys and challenges.

With dynamism and engagement, we strive to solve complex problems, transforming uncertainties into opportunities and results. This is our way of being.

Check out some of the projects executed in partnership with our clients.

Agility and technical knowledge in the regulation of complex claims


Passenger Railway Concessionaire

The challenge:

Regulation of a complex claim, in the shortest possible time, due to train derailment and collision, accident with victims.

Our solution?

Horiens’ premise is to go beyond the placement of risk, acting on a daily basis as a partner and strong link between the insured and insurer parties. This end-to-end approach ensured that we were able to lead the process of regulating this claim with agility and technical grounding, fundamental requirements in this type of event, in which the insured party must act quickly in defining compensation limits for the victims and in reporting to the competent public agencies. The claim settlement proposal was developed in less than 48 hours, ensuring the necessary support to all parties involved in the event and mitigating financial losses.

Risk Management Consulting: Analyzing an Operational Risk Policy


Electric power generation concessionaire

The challenge:

Analyze operational risk policy to ensure adherence to the concession’s scenario and exposures, identifying possible points of improvement.

Our solution?

To bring technical depth and certainty to decisions, we worked with the support of our Risk Labs to conduct predictive risk modeling, incorporating the parameters of the client’s Risk Policy. The data and correlations generated by the modeling allowed us to deepen the analysis, indicating whether the dam risks should be transferred to the insurance market, one of the client’s main doubts, among other adjustments, such as the review of deductibles (with a 50% reduction in high frequency and low impact risks), inclusion of certain events in the basic coverage and of relevant additional coverage, in addition to the preparation of differentiated clauses for the operational risk policy.

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