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Horiens

Insurance

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A customized risk and insurance program for your business is crucial in a world of constant change, increasingly competitive markets and significant and more complex global challenges.

With our client-oriented vision, our work permeates the entire risk management cycle: from the risk identification and analysis stage, through the preparation of mitigation plans and the transfer of risks to the insurance market – one of the principal ways of treating specific risks – up to insurance program management. Our involvement warrants that the resulting program will be adequate to the business risk dynamics.

In 2020, the amounts insured under Horiens management totaled R$ 208 billion in insured assets and R$ 34 billion in liability insurance.

Know our differentials

  • Ownership: client-oriented vision
  • Customized solutions
  • Consolidated knowledge and expertise in various market segments
  • Use of emerging technologies for innovation in products and decision-making
  • Ability to act in local and international large-sized projects
  • Qualified underwriting for the insurance market
  • High success rate in the monetization of complex claims and low litigation rate

Insurance Modalities

  • Property Risks
  • Engineering Risks
  • General responsibility
  • Cyber Risks
  • Environmental
  • Environmental
  • Agricultural
  • Local and International Cargo
  • Oil Risks
  • Marine Hull
  • Protection & Indemnity
  • Political Risk
  • Terrorism
  • Aviation
  • Automobile fleet
  • Various risks
  • Warranty titles
  • Credit
  • Health and Benefits

Cyber risk management

In an increasingly digital world, the question is not whether your company will be the target of cyberattacks, but when it will happen. That's why you always have to be one step ahead of risk. How?

At Horiens, our working model is designed to support companies along this end-to-end cyber resilience journey. Knowing your company's vulnerabilities in the virtual world and quantifying the real impacts to the business risk profile with the help of our data laboratory, Risk Labs, your company will be able to adopt the best prevention measures, including effective strategies for transfer and risk mitigation.

For this, we combine our knowledge in business and operational risk management with qualified partners with recognized performance in the cybersecurity segment to support companies in all markets. A differentiated format, which brings the latest in cyber and cyber defense solutions combined with strategic and tailored risk management.

Protect your company up to the risks to which it is exposed.

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.

Our solution?

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.
Expansion of the coverage of the infrastructure sector

Expansion of the coverage of the infrastructure sector

Client:

Engineering and construction companies

The challenge:

More than a decade ago, in 2007, the end of the reinsurance monopoly in Brazil opened up new perspectives in the country. However, at the same time, it brought with it a complex challenge: coverage of the Brazilian insurance market was much more restricted than that of the international market.

Our solution?

With extensive technical knowledge in engineering and construction and in the risk and insurance market, we prioritize a proactive approach and an individualized vision of each project and client, ensuring the maximization of opportunities and the mitigation of risks. We have acted consistently by proposing broader clauses, in line with international best practices, resulting in a new level of coverage for the infrastructure sector.
Differentiated performance in the chemical and petrochemical sector

Differentiated performance in the chemical and petrochemical sector

Client:

Leading company in the production of thermoplastic resins in the Americas

The challenge:

Considering aspects such as the scenario of the alternation of cycles in the international market of chemical and petrochemical products and the consequent volatility of the insurance and reinsurance capacity, the search for alternatives to expand the lines of protection and competitive cost for the Risk transfer are key elements in the client's business strategy.

Our solution?

Modeling of the global structure of the client's risk and insurance program, allowing the association of the company with the mutual insurance / reinsurance company OIL Insurance Ltda. (OIL), with perception and validation of the expected benefits and competitive response of the commercial market . The project, implemented in 2018, made the company the first in Latin America to partner with OIL.
Creation of personalized insurance for agribusiness

Creation of personalized insurance for agribusiness

Client:

Producer and marketer of ethanol, VHP sugar and electricity through sugar cane and biomass

The challenge:

Brazilian agribusiness is one of the most representative in the world. Exposed to various types of impact from public policies to the growing uncertainty of the planet's climatic conditions- it is a sector highly dependent on the financial market and the requirement of real guarantees. In this context, the agricultural insurance market remains restricted and has little experience with growing sugar cane. For this reason, we sought an effective and precise solution that would directly influence the reduction of the company's cash volatility.

Our solution?

Our Taylor Made model of action was the basis for the creation of a new product that responded to the specific needs of the client. It is an agricultural insurance for the transfer of climatic risks related to the cultivation of sugar cane, with the development of innovative clauses and coordination of all negotiations with the insurance market.

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