MAIN TYPES OF INSURANCE

CORPORATE INSURANCE
PROPERTY	Assets	Covers any accidents in the building (structure and annexes) and its contents (furniture, equipment and hardware).
	Aviation	Covers damage to airplanes such as those caused by accidents, outright theft, particular breakdowns and fire.
	Rural	Allows the producer to protect itself from losses arising mainly from adverse weather conditions.
	Lost profits	Covers losses caused by interruptions of the activities of the company due to accidents covered by the material damage policy.
	Operating risks	Covers all the goods belonging to the company and covers material damage from internal and external causes, as well as the consequent economic losses.
AUTO	Automobile or company fleet	Covers losses to the vehicle (collision, fire, theft) and to third parties in cases where the insured company or its employees are liable.
MARINE CARGO	Marine hull	Covers losses and damage to cargo or leisure boats, relating to the hull, machinery and equipment, whether in operation, under construction or repair.
MARINE CARGO	Transport (cargo)	Indemnifies against losses to transported goods from accidents involving the transporting vehicle.
BENEFITS	Group health	Hospital and/or outpatient coverage, exams, consults and other procedures, for employees, management and dependents.
	Group dental	Dental coverage for employees, management and dependents.
	Group private pension	Insurance contracted to guarantee future income for employees and/or management, or their beneficiaries.
	Travel	Contracting of capital to guarantee payment of medical and hospital expenses in urgent and emergency cases for employees and management who are on business or incentive trips.
	Group life	Guarantees payment of indemnification in case of death, to the beneficiaries indicated in the contract.
	Group personal accident	Guarantees payment of indemnification in case of death or permanent disability of employees and managers and their beneficiaries, following an accident.
	Educational	Contracted by educational institutions, to collect any defaults caused by the death, disability or unemployment of the person paying the student’s tuition.
SURETY/CREDIT	Performance bonds	Guarantees the contractual obligations assumed by the contractor (borrower) vis-à-vis the contracting party (insured), includes many types such as surety bonds, judicial bonds and concession bonds.
	Credit	Protects the company against the risk of non-payment by debtors.
	Rental insurance	Guarantees compliance with the real estate rental contract, such as payment of rent and any repairs due, waiving traditional guarantors.
ENGINEERING RISKS	Engineering risks	Guarantees coverage for material damages caused to the work, arising from sudden and unexpected accidents during the development of a project.
LIABILITIES	General civil liability	Guarantees protection of the assets of the insured in cases of claims arising from actions and/or omissions by its employees/agents that may harm third parties, subject to the possibility of other modalities for each type of operation and with distinct ancillary coverage.
LIABILITIES	D&O	Insurance contracted by the company in the name of its executives, to cover costs arising from proceedings to which they are subject due to claims relating to their activities at the organization.
REINSURANCE	Reinsurance	Transactions in which the insurance underwriter transfers, in whole or in part, the risk assumed to a reinsurance company. Viewed simplistically, reinsurance is insurance on insurance.

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