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Transportation & Logistics (Marine)

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Risk and insurance in Transportation & Logistics sector

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.

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

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

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

  • 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.

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

  • 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.

  • 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.

Learn about our expertise in diverse industrial segments.

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Outras coberturas e produtos aplicáveis

Property Insurance for Warehouses

Shipbuilder and Ship Repairer

RD Valuables

Environmental Liability

Vehicle Fleet

Export Credit

Cyber Risks

Cyber Risks

Successful Cases

Monetization of complex claims in the urban transport sector

Monetization of complex claims in the urban transport sector

  • Client
    Mass urban transport concessionaire with 600 thousand passengers / day
  • The challenge:
    Monetize the high value of liabilities in claims related to damages to third parties not recovered under the previous management. The problem referred to the lack of supporting documentation and the imminence of prescription of a large part of the cases.
  • Como solucionamos?
    The first step was the mapping of liabilities, from documentary searches to statistical studies based on judicial data. Thus, our solution considered the construction of prospective models related to ongoing processes and purchase agreements with insurers and reinsurers. The process was successful and had a large cash impact for the dealership with the monetization of approximately 80% of the value of the liabilities.
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.
  • Como solucionamos?
    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.
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.
  • Como solucionamos?
    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.
Agility and technical knowledge in the regulation of complex claims

Agility and technical knowledge in the regulation of complex claims

  • Client
    Passenger Railway Concessionaire
  • The challenge:
    Regulation of a complex claim, in the shortest possible time, due to train derailment and collision, accident with victims.
  • Como solucionamos?
    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.

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