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Homem analisando plantação representando o Agrymetric, seguro paramétrico agroclimático.

Agriculture

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Risks and insurance in agribusiness

Agribusiness is highly impacted by several complex management factors, such as climate change, water scarcity, new diseases, logistical inefficiency and price fluctuations.

Dealing with the uncertain scenario is one of the main challenges of agribusiness, so risk intelligence work is essential for the sustainable development of the sector.

Horiens has been operating in this market segment for over 10 years, conducting integrated risk management work and structuring insurance programs aimed at the various stages of the production cycle, from harvest to distribution. In addition, we operate in a consultative and innovative manner, creating tailored insurance solutions to meet the specific needs of the agribusiness market.

Logotipo do Agrymetric, seguro paramétrico agroclimático da Horiens.

Discover Agrymetric

An innovative parametric agroclimatic insurance model that is highly customizable to the reality of each producer. Agrymetric is developed from a database that adds up to more than 40 years of history, correlating climatic factors through predictive analysis and data technology to arrive at estimated yields.

Discover Agrymetric

  • Recovery of productivity losses resulting from insurable events with impact on agricultural productivity, involving harvest and off-season period.

  • Replacement of financial losses resulting from climatic events (parametrizable) that impact on agricultural productivity.

  • Reimbursement of material damage caused to property arising from insurable events, with extension of coverage for loss of revenue generated due to material damage covered by the policy.

  • Indemnification for material, bodily, moral and aesthetic damages caused to third parties and employees due to insurable events arising from the operation.

  • Replacement of losses to the shipper and cargo owner related to damage to the load that occurred during transport.

  • Replacement of material damage resulting from accidents involving agricultural equipment.

  • Cyber Insurance provides protection against damages to third parties and to the insured party itself, arising from cyber breaches and attacks. Indemnities include coverages related to business interruption, asset and data recovery, privacy breach, extortion, defense and conviction, and regulatory process sanctions and penalties (LGPD/GDPR), among others.

  • D&O (Directors and Officers Liability Insurance) is aimed at protecting the assets of executives. This is a Directors and Officers Liability Insurance, purchased by a legal entity, with the aim of protecting the assets of its executives when they are held personally liable, either judicially or administratively, for decisions that have caused unintentional harm (bodily injury, property damage, or reputational damage) to third parties.

Other coverages and applicable products:

Civil liability (Cyber Risks, Environmental, E&O, D&O, Carrier)

Engineering Risks (All Risks and ALOP)

Mergers & Acquisitions (M&A)

Guarantee (Advance Payment, Judicial, Payment, Corrective Maintenance, Completion)

Credit and Political Risk Insurance

Delay in Start-up Coverage (DSU)

Terrorism

Archaeological findings

Aviation

Vehicle Fleet

People (Health, Life, Travel, Worker’s Compensation and others)

Successful Cases

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

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

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.
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.
  • 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.
PrevSeguro: innovation in the personal insurance market

PrevSeguro: innovation in the personal insurance market

  • Client
    Companies sponsoring the Vexty Pension Plan
  • The challenge:
    Propose ways to expand adherence to the Vexty Complementary Pension Plan and, at the same time, offer an increasingly differentiated benefit to employees.
  • Como solucionamos?
    We create a new product on the market, in collaboration with SulAmérica and Vexty. This is PrevSeguro, an innovative and free life insurance benefit for all beneficiaries of the Vexty Plan. The insurance guarantees, in the event of death or disability before the age of 65, the amount necessary to supplement the pension reserve that the member would form upon reaching that age.

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