Business Risks

Vehicle Fleet  Insurance

We offer an insurance that ensures not only your patrimony, but also the safety of your executives and collaborators that use your company’s vehicles to work. The vehicle fleet insurance provides a unique wide coverage with reduced costs so you can make use of several coverage such as collision damage, fire, theft, damage to third parties and many others. We also have affinity groups for your collaborators to have a cheaper and more flexible access to your insurance.

Cyber Risks

The cyber attacks are concerning managers and directors worldwide, becoming increasingly relevant in the last few years, affecting both individual and legal person. The cyber risk insurance is a product very flexible and comprehensive. There are thousands of apps and programs, therefore for your company to be truly protected, we evaluate the risks, contingency plans of your technology sites, identify the main internal and external factors that may affect your exposure level and we also provide practical guidance regarding the structure your company may embrace as part of an effective strategy of cyber risks management.

Main coverage

• Expenses regarding litigation related to third parties claims

• Privacy violation of personal or corporate data under insured’s responsibility

• Data security omission that may result in its contamination

•  Data access deny, code erasing or leak and stored data corruption or modification

• Personal and corporate image restore to mitigate reputation damage danos à reputação

• Costs of required notification and monitoring of data breach to avoid sensitive data dissemination and greater loss due to misue of leaked data

• Extortion resulting from cyber threat

• Lost profit that the insured may have suffered in case of network offline due to data security breach

Assets and operational risks

The assets insurance covers from goods and assets from third parties that are under the insured responsibility to buildings and all its content: furniture, machinery, equipment, electric installations, stock and tools, aiming to protect the insured patrimony, avoiding losses due to unforeseen events and ensuring operations recovery as soon as possible. The offered coverage were created to repair damage and losses resulting from the most variable natural phenomena and/or nature convulsions, such as gale, hurricane, tornado, storm, flood, lighting, etc.

Lost profit (Ceasing profits)

The lost profit insurance is projected to cover the gross profit payment of your company in case of a claim that requires your company to close business partially or completely by a period. In general, this coverage aims to soothe the impact in your revenue during the recovery period or business resumption, result of the following damage agents:

• Fire, lightning and/or explosion

• Electrical damage, including damage due to lightning

• Gale, typhoon, tornado and hail storm

• Riot

E&O – Professional Civil Liability

E&O insurance aims recover the loss resulting from a fault caused by the professional. Act omission or error that may caused a damage to whoever used the service. This coverage is indicated for services providers in general, such as engineers, architects, lawyers, accountants, travel agencies, registries, brokers, etc.

Main coverage

• Defense court fees

• Court attendance costs

• Defamation

• Emergency costs

• Dishonest act from the collaborator

• Heir, trustee, legal representative and partner

• Loss mitigation

• Loss of documents or data

• Indirect civil liability

• Personal injury

Civil liability for works

The concept of civil liability is to restore a damage caused to third parties, when related to a construction work, embracing coverage for material damage, bodily damage, pain & suffering and environmental damage caused to third-parties, in the examples presented below:

•             Civil liability for works

•             Environmental damage

•             E&O

•             Machinery insurance

•             Collaborator AD&D

•             Material damage result from building foundations

•             Bodily damage

•             Financial loss

•             Neighbourhood material damage

Guarantee Insurance

We offer a structured service to your company with the advantage of maintaining a credit lines available, providing flexibility to bigger investments and other needs, ensuring the contractual obligations compliance, foreseen in public and/or private policies – whether you are building, manufacturing, supplying  or providing services. This benefit can be used as bond for lawsuits; tax, labor action or criminal cases.

Main modalities of this insurance

• Legal guarantee

• Performance Bond

• Warranty of anticipated payments

• Lease

• Payment bond

• Bid Bond

• Warranty of perfect functioning

• Administration warranty (ICMS credits)

National and International transport insurance

We provide assistance and consultancy to all clients in the logistics and transport business segment. With a deep understanding of how to insure the goods transportation in every modals (road, waterway, air and/or railway). We follow all the process of risk management within third parties hired by our insured, significantly contributing to a perfect operability of logistics operations.

• Detailed scanning of client’s operation

• Ideal coverage scaling for operation risks

• Placement of risk management

• Suggestion of placing mandatory shares or deductibles

We provide tailor-made solutions to our clients (shippers or transporters) that search for intelligent solutions that aggregate quality to their service provision, with complete solutions that applies to their entire logistics chain anywhere in the world.

Main coverage

• International transport (import and export)

• National transport

• RCTR-C

• RCTF-C

• RCF-DC

• RCTA-C

• RCTR-VI

• RCA-C

Civil liability for works

We offer proctetion to companies in situation of material damage and personal injury to third parties, since basic categories to combined insurance. The concept of civil liability is, in summary, repair a damage caused to third parties (any person excluding partner, directors, company controllers and their relatives.

Main coverage

• Material damage

• Personal injury

• Moral damage

D&O – Civil liability for directors and administrators

D&O insurance provides coverage for executives and company’s administrators in lawsuits, administrative proceeding or arbitration proceeding related to management decisions. Among the main coverage we have the following items:

• Costs related to bond and judicial escrow

• Online assets attachment

• Defense court fees (judicial, administrative and arbitration)

• Crisis management expenses

• Suits filled by third parties against the insured

• Advertising expenses

• Costs related to insured extradition

• Emergencial costs

• Fines

Engineering risks

We offer complete protection for your construction, your equipment and third-party damages resulting from work accident (construction, reform, and installations). Ensuring the continuity of big infrastructure projects executions, installations and assembly of construction, commercial buildings and homes. The insurance widely covers all the needs and also we help with risk identification, beside mitigating costs while offering the best coverage.

Aviation

We offer an insurance that brings you peace of mind to your crew and your aircraft. With the aviation insurance, you will be covered for:

• General aviation (jets, turboprop, helicopter, air taxi, piston engine aircraft

• Commercial aviation

• Drones

• Brazil mandatory insurance – Seguro RETA (Air Transportation and explorer liability)

• Public aviation

• Agricultural aviation

• Hangars

Main coverage

• Aviation body damage

• General liability

• Brazil mandatory insurance – Seguro RETA (Air Transportation and explorer liability)

• Public aviation

• Hangar and airport services

• Brazil only – Single limit combined

“The good practice generates safety and results. Respect and transparency will always be part of our work practice”.

• CONDUTA, Felipe

Personal lines

Build a customized strategic coverage to offer peace of mind and protection for you, your property and assets is our priority.