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Horiens

Integrated Risk Management

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  3. Integrated Risk Management

Our purpose is to protect companies and people in a world that is constantly being renewed, always oriented by challenges of our clients. For us, to see beyond is to expand horizons, which is why we value in-depth knowledge of the risks and scenarios whenever we start a new project.

By understanding the real exposure to risks and their impacts and proposing mitigation solutions, we are able to act effectively in support of what is related to the business objectives and in the strategic decision-making process.

Our team has consolidated experience in several market segments and works in an integrated basis to achieve accurate and qualified results.

Our performance in integrated risk management

  • Expertise in ERM (Enterprise Risk Management) for various business segments
  • Risk Assessment for project and business
  • Data and analysis: statistical modeling to support the decision-making process.

Successful cases

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.
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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