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Homem analisando plantação representando o Agrymetric, seguro paramétrico agroclimático.


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Risks and insurance in agribusiness

Agribusiness is highly impacted by several complex management factors, such as climate change, water scarcity, new diseases, logistical inefficiency and price fluctuations.

Dealing with the uncertain scenario is one of the main challenges of agribusiness, so risk intelligence work is essential for the sustainable development of the sector.

Horiens has been operating in this market segment for over 10 years, conducting integrated risk management work and structuring insurance programs aimed at the various stages of the production cycle, from harvest to distribution. In addition, we operate in a consultative and innovative manner, creating tailored insurance solutions to meet the specific needs of the agribusiness market.

Logotipo do Agrymetric, seguro paramétrico agroclimático da Horiens.

Discover Agrymetric

An innovative parametric agroclimatic insurance model that is highly customizable to the reality of each producer. Agrymetric is developed from a database that adds up to more than 40 years of history, correlating climatic factors through predictive analysis and data technology to arrive at estimated yields.

  • Recovery of productivity losses resulting from insurable events with impact on agricultural productivity, involving harvest and off-season period.

  • Replacement of financial losses resulting from climatic events (parametrizable) that impact on agricultural productivity.

  • Reimbursement of material damage caused to property arising from insurable events, with extension of coverage for loss of revenue generated due to material damage covered by the policy.

  • Indemnification for material, bodily, moral and aesthetic damages caused to third parties and employees due to insurable events arising from the operation.

  • Replacement of losses to the shipper and cargo owner related to damage to the load that occurred during transport.

  • Replacement of material damage resulting from accidents involving agricultural equipment.

  • Cyber Insurance provides protection against damages to third parties and to the insured party itself, arising from cyber breaches and attacks. Indemnities include coverages related to business interruption, asset and data recovery, privacy breach, extortion, defense and conviction, and regulatory process sanctions and penalties (LGPD/GDPR), among others.

  • D&O (Directors and Officers Liability Insurance) is aimed at protecting the assets of executives. This is a Directors and Officers Liability Insurance, purchased by a legal entity, with the aim of protecting the assets of its executives when they are held personally liable, either judicially or administratively, for decisions that have caused unintentional harm (bodily injury, property damage, or reputational damage) to third parties.

Other coverages and applicable products:

Successful Cases

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