Instalação industrial localizada em uma região litorânea mostrando a abrangência da consultoria em gestão de risco para empresas.

Risk management consulting

Risk assessment by project or business

Our purpose is to protect companies and individuals in a world that is constantly evolving, always guided by our clients’ challenges. For us, seeing beyond is expanding horizons, which is why we value in-depth knowledge of the risks and scenario whenever we start a new project. By understanding the actual exposure to risks and their impacts and proposing mitigation solutions, we can effectively support business objectives and strategic decision-making. Our team has consolidated experience in various market sectors and works in an integrated manner for accurate and qualified delivery.

Experience in ERM projects for various sectors
Risk assessment by project or business
Data and Analytics: Statistical modeling for decision support

Successful Cases

Quantitative Risk Analysis (AQR) to adapt the Operational Risk Policy

Client
Company in the bioenergy segment
The challenge:
Faced with a scenario in which the client's Operational Risks Program had been showing successive increases in premiums, as a result of a hard market scenario, Horiens proposed an analysis aimed at ensuring, at the same time, a reduction in premiums and adequate coverage, tailored to the appetite of company risks.
Como solucionamos?
Horiens carried out the redesign of the policy based on a quantitative risk study that allows a comprehensive analysis of the probabilities of losses and impacts, contributing to the client's decision-making in relation to the retention and transfer of risks. field study, with the participation of a global company in the risk management segment, which brought the necessary qualitative deepening to understand the context. In the second stage of the project, Horiens had the support of its risk analysis laboratory, Risk Labs, which carried out the quantitative modeling of the mapped risks, showing the expected value of insurable losses, including estimates of PML - Maximum Probable Loss, a fundamental element for the client's decision regarding the limits of coverage to be contracted. refinement of the terms and conditions of the policy, ensuring adherence to the company's real risk profile, with a reduction in the premium paid to the insurer.

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.
Como solucionamos?
Our Tailor 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.

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.
Como solucionamos?
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.

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.