Protects the personal assets of directors, officers, and board members when held liable — judicially, administratively, or through arbitration — for wrongful acts of management. May include defense costs and coverage for the company itself (“entity coverage”).
Coverage
• Wrongful acts of management and defense costs
• Indemnification to third parties and reimbursement of legal expenses
Who can purchase
Companies of any size, as policyholders.
Beneficiary
The insured executive and/or the company.
Covers natural or accidental death and disability of employees, and may also include medical and hospital expenses. In addition to its protective function, it is a corporate benefit that strengthens employee retention and engagement.
Coverage
Who can purchase
Any company as the policyholder.
Beneficiary
The insured’s designated beneficiaries (life) and the insured employee (health).
“Property & Casualty” é o guarda-chuva dos seguros que protegem (i) o patrimônio físico e a operação da empresa contra eventos súbitos e imprevistos (Property) e (ii) a responsabilidade por danos causados a terceiros (Casualty). Em Property, enquadram-se planos patrimoniais/multirriscos e riscos de engenharia; em Casualty, diversas modalidades de responsabilidade civil. É um pilar da gestão de riscos corporativos e pode ser estruturado de forma combinada e modular.
Coverage – Property
• Damage to buildings, equipment, and inventories
• Engineering, equipment, and aviation risks
• Business interruption/loss of profits following an insured event
Coverage – Casualty
• General Liability
• Professional Liability (E&O)
• Product Liability and Environmental Liability
• Containment and mitigation expenses
Who can purchase
Companies of any size and sector, including public entities and NGOs.
Beneficiary
The insured company (Property) or third parties indemnified (Casualty).
Protects the insured (seller or supplier) against customer default in domestic or export transactions. Ensures recovery of a significant portion of receivables in case of extended delinquency, insolvency, or political risk. A key tool for credit risk management and trade finance.
Coverage
• Default and insolvency
• Cancellation due to commercial or political risk
• Collection and recovery expenses (if covered)
Who can purchase
Companies selling on credit, exporters, and financial institutions exposed to commercial credit risk.
Beneficiary
The insured company, which receives indemnification for the loss.
Replaces bank guarantees or collateral required in private or public contracts, ensuring the fulfillment of contractual obligations assumed by the principal (contractor) toward the obligee (beneficiary). Widely used in bids, infrastructure projects, concessions, and financial agreements.
Coverage
• Contract performance (Performance Bond)
• Advance payment protection
• Judicial and appeal bonds
• Maintenance and retention guarantees
Who can purchase
Companies required to provide guarantees in public or private contracts.
Beneficiary
The contracting party or creditor entitled to compensation in case of non-performance.
Covers direct financial losses resulting from fraud, operational errors, forgery, or other financial events affecting the company’s cash or assets. Commonly purchased by financial institutions, insurers, and asset managers as a complement to liability coverage.
Coverage
• Internal and external fraud
• Operational errors and document forgery
• Financial losses arising from cyber incidents
Who can purchase
Financial institutions, brokers, insurers, asset managers, and companies with significant financial transactions.
Beneficiary
The insured company, reimbursed for covered losses.
Provides comprehensive protection against cyberattacks and information security breaches, covering both own losses and third-party claims, as well as emergency response costs.
Coverage
• Data and system damage
• Business interruption and reputational harm
• Response, notification, and mitigation costs
Who can purchase
Companies and organizations exposed to digital risk.
Beneficiary
The insured company (with possible extensions to executives and employees).
