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Horiens

Transportation & Logistics (Marine)

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Transportation and Logistics Insurance Policies are designed to meet the needs for protecting cargo transported by any means in both Brazil and abroad.

Horiens conducts in-depth analysis of loss and risk scenarios, and the specific business needs of its clients. Our vast experience in underwriting transportation and logistics insurance has enabled customized solutions for loss prevention and risk management in major logistics operations and industrial projects involving complex cargoes and significant numbers.

Domestic & International Transportation

Insurance for the shipper and owner of cargo to protect against damages to cargo during transportation.

Carrier's General Liability (RC)

Insurance for the Carrier’s General Liability guaranteeing the payment of compensation for material damages suffered by third-party goods during transport.

Stock Throughput (STP)

Insurance coverage for the entire logistics chain with a focus on the combination of transport and storage operations.

Delay in Start-Up Coverage (DSU);

Insurance to cover loss of revenue due to delays in the start of project operations due to an incident that occurred during the transportation of equipment.

Port Operator

Comprehensive Port Operator covering General Liability, Physical Damage to Property and Real Estate and Loss of Revenue.

Maritime Hulls

Cover for Hull, Machinery and equipment, which can be extended to general liability due to accident, assistance and rescue as well as wreck removal. Ideal for commercial and leisure vessels.

Other coverages and applicable products:

  • Property for Warehouses
  • Shipbuilder and Repairer
  • Values RD
  • Environmental RC
  • Vehicle Fleet
  • Export Credit
  • Aviation
  • Cyber Risks

Cyber Risks (Cyber Insurance)

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.

Learn about our expertise in diverse industrial segments.

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Successful cases

PrevSeguro: innovation in the personal insurance market

PrevSeguro: innovation in the personal insurance market

Client:

Companies sponsoring the Vexty Pension Plan

The challenge:

Propose ways to expand adherence to the Vexty Complementary Pension Plan and, at the same time, offer an increasingly differentiated benefit to employees.

Our solution?

We create a new product on the market, in collaboration with SulAmérica and Vexty. This is PrevSeguro, an innovative and free life insurance benefit for all beneficiaries of the Vexty Plan. The insurance guarantees, in the event of death or disability before the age of 65, the amount necessary to supplement the pension reserve that the member would form upon reaching that age.
BUSQ Seguros: an unprecedented self-service that guarantees the best cost-benefit ratio in personal insurance

BUSQ Seguros: an unprecedented self-service that guarantees the best cost-benefit ratio in personal insurance

Client:

Members of the Novonor Group

The challenge:

The personal insurance offer in the market depends on the broker's agenda, something that often ends up making it difficult to contract. Faced with this scenario, the challenge was to create an innovative product that combines advantages such as autonomy, competitive cost and agility.

Our solution?

We have developed a 100% digital platform for the quotation, contracting and management of policies by the end customers themselves (members of the companies and their families). The platform, launched in 2019, works as a self-service, with simple and intuitive navigation and the security of obtaining the best cost-benefit ratio for those who hire. The project was developed through partnerships with the main players in the insurance market and had the objective of bringing the news of this market, promoting its evolution.
Data science and technology for health insurance portfolio optimization

Data science and technology for health insurance portfolio optimization

Client:

Novonor Group Companies

The challenge:

Pricing health insurance is a complex challenge and involves a number of risks for companies. What can we do to improve the relationship between risk and return? This was the central issue of the solution developed by Horiens considering policies with 80 thousand insured members and a scenario in which Health Insurance represents about 20% of the companies’ payroll.

Our solution?

Using statistical modeling and technology applied to proprietary health portfolio data, we build models of the frequency of insurance usage as well as the severity tied to usage. Predictive analysis allowed the implementation of improvements and bringing more information to the negotiation and generating value for the customer.

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