Cases

Company in the bioenergy segment

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.

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.