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

Insurance

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End-to-end insurance management

In a rapidly changing world, increasingly competitive markets, and growing global challenges, having a tailor-made risk and insurance program for your business is crucial.

Horiens’ working methodology encompasses the entire risk management cycle, from the identification and analysis stage to the definition of mitigation plans and risk transfer to the insurance market – one of the primary ways to address specific risks – to the ongoing monitoring of risks and claims. This ensures alignment with the business dynamics and excellence in insurance management.

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    • Customer-oriented vision, creating tailor-made insurance solutions
    • Consolidated knowledge and experience in various market sectors
    • Use of emerging technologies for product innovation and decision making
    • Ability to work on large national and international projects
    • Qualified underwriting for the insurance market
    • Monitoring the regulation of complex claims, with low litigation

  • The success in claims recovery is the result of a differentiated risk management approach combined with the technical expertise and experience of our team, in partnership with claims specialists and insurers.

    During the claims settlement process, we strongly focus on aligning technical and procedural knowledge, ensuring transparency and efficiency to achieve a timely resolution with high effectiveness.

    In addition, the work performed by Horiens enhances the capture of lessons learned from claims settlement and incorporates improvement points into future policies.

  • In an increasingly digital world, the question is not if your company will be targeted by cyber attacks, but rather when it will happen. That’s why it’s important to always stay one step ahead of the risk. How?

    At Horiens, our work model is designed to support companies throughout this journey of cyber resilience. By understanding the vulnerabilities of your company in the virtual world and quantifying the real impacts to the business profile, your company can adopt the best preventive measures, including effective strategies for risk transfer and mitigation.

    To achieve this, in a distinctive format, we combine our knowledge in enterprise and operational risk management with qualified partners who have a recognized track record in the cybersecurity field to support companies in all markets.

    Protect your business to match the risks it is exposed to.

Types of insurance

Property Risks

Engineering Risks

General responsibility

Credit

Cyber Risks

Environmental

Agricultural

Local and International Cargo

Oil Risks

Marine Hull

Protection & Indemnity

Political Risk

Terrorism

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.
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.
  • 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.
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.
  • Como solucionamos?
    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.
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.
  • Como solucionamos?
    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.
Agility and technical knowledge in the regulation of complex claims

Agility and technical knowledge in the regulation of complex claims

  • Client
    Passenger Railway Concessionaire
  • The challenge:
    Regulation of a complex claim, in the shortest possible time, due to train derailment and collision, accident with victims.
  • Como solucionamos?
    Horiens’ premise is to go beyond the placement of risk, acting on a daily basis as a partner and strong link between the insured and insurer parties. This end-to-end approach ensured that we were able to lead the process of regulating this claim with agility and technical grounding, fundamental requirements in this type of event, in which the insured party must act quickly in defining compensation limits for the victims and in reporting to the competent public agencies. The claim settlement proposal was developed in less than 48 hours, ensuring the necessary support to all parties involved in the event and mitigating financial losses.

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