Together, we anticipate the future

Technical expertise and individualized strategy are key elements for managing business risksand insurance.

Discover our approach to work.

Horiens 45 years

A trajectory guided by the look to the future, contemplating an horizon of opportunities! Watch our special vídeo

Mulher sorrindo para o marido enquanto ele carrega a filha nos ombros, mostrando o cuidado da Horiens com funcionários e famílias.

Health insurance and benefits management for companies

Discover our approach to supporting businesses in taking care of their employees.

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Homem analisando plantação representando o Agrymetric, seguro paramétrico agroclimático.

Discover Agrymetric

A new model of innovative and personalized parametric agroclimatic insurance to protect your crops.

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Our differential is to make our customers’ challenges, our own challenges

We help companies manage risk and insurance, turning uncertainties into opportunities. We approach each challenge uniquely, proposing tailor-made solutions so that your company can make the best decisions.

We work in a multidisciplinary and integrated manner, combining deep technical expertise and experience in the insurance market and in the various market sectors, resulting from 45 years of business trajectory.

DATA DRIVEN APPROACH

How to turn data into strategy to improve risk and insurance management?

Discover Risk Labs, our data science-based risk predictive analysis laboratory.

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International presence
Experience in highly complex projects
Strong relationship with the global insurance market
Scope of creditworthiness
Differentiated technical expertise
Use of data science applied to challenges
Tailored risk and insurance solutions
Partnership and trust

Our solutions

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

Risk Management Consulting

Integrated risk management for projects and businesses.

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Profissional analisando números de garantias e seguros de crédito em uma lousa digital.

Guarantees, Credit Insurance and Political Risks

Leverage creditworthiness and protect cash flow, with a focus on liquidity, for projects and companies.

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Profissional usando óculos e capacete de proteção exemplificando a análise e o acompanhamento de risco dos seguros da Horiens.

Insurance

Identification, analysis, transfer and monitoring of risks of various types for projects and companies.

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Mãe, pai e filho se divertindo juntos representando os benefícios do programa de saúde da Horiens.

Health and Benefits

Insurance management of corporate health and benefits programs, with tailored service solutions for managers and beneficiaries.

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Some of our clients

Horiens’ work goes far beyond efficient policy management. For us, the big differential of the service provided is the consulting service in the day to day of our business. As a multi-purpose arena, it is common for new and complex situations to arise. This is when counting on Horiens’ expert advice in the different insurance lines makes all the difference.

Paulo Vitor, Controllership Coordinator at Fonte Nova Arena

The expertise of Horiens’ team in the insurance market in Angola and its interaction with the country’s leading insurers are factors that add value to Biocom and it is for this reason that, since the beginning of our operation, the partnership between Biocom and Horiens has been consolidated.

Juliana Fonseca de Azevedo, Legal Director at Biocom

I have found in Horiens, a team specialized in risk and insurance, able to provide technical, complex, and highly competitive solutions. We highly trust their experience and their dedication to the agreed objectives is exceptional; we always feel as if we are their only client.

Danilo Garcez, Braskem Idea Finance Director

Horiens’ team has contributed significantly throughout the years to achieve the increasing level of safety at Braskem plants. They have the technical expertise and experience and are focused on client satisfaction.

Marcelo de Oliveira Cerqueira, Braskem Industrial Vice President, Brazil & Global Operations

Horiens has always been heavily involved in all our proiects as our insurance expert support in contract and risk analyses. We believe their team has a fundamental role in our business today to provide the assurance we need in this crucial project area.

Jorge Mitidieri, UNSI Ocyan Superintendent Director

Horiens holds a strategic partner position in our business. With a qualified and specialized team seeking constant training on the specifics of each company it serves, Horiens stands out for its differential service, greater speed in solving problems, and the offer of products and solutions with high added value to the business.

Ludmila Pamponet, Director of Planning and Personnel, OEC

Our way of doing things

Homem analisando plantação representando os seguros personalizados da Horiens.

Truly personalized insurance

Understanding our clients’ challenges to create the best insurance solution is the first step in every project we work on.

Trio de profissionais analisando dados para ilustrar o acompanhamento durante o processo.

Understanding the business

We have decades of experience supporting large companies in managing risk and structuring corporate insurance programs.

Profissionais em reunião para ilustrar o processo de entendimento do negócio.

Follow-up from start to finish

Our work begins with the identification and quantification of risks and is consolidated on a day-to-day basis with close monitoring throughout the risk management and insurance cycle.