Successful Cases

Horiens, through Risk Labs—its risk analysis laboratory powered by artificial intelligence—conducted a predictive study assessing the variation in the average monthly per capita cost of a representative sample of insured individuals with chronic conditions. The study concluded that:

• Women enrolled in the program showed a significant reduction in healthcare costs.
• Insured individuals under 60, regardless of gender, also achieved positive results.
• Men over 60 did not show a proportional reduction in hospitalization severity, although outpatient utilization increased, revealing an opportunity to improve engagement strategies for this group.

These findings indicate that the investment helps reduce medical costs and disease progression, reinforcing the initiative as beneficial for employees and for maintaining policy balance. Furthermore, the analysis suggests that the earlier eligible participants engage in the program, the better the conditions for effective health management.
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In partnership with a cybersecurity solutions company, we carried out a controlled assessment for a client in the offshore exploration and production sector. The project involved a realistic ransomware simulation, consisting of a series of network attacks that progressively increased in complexity and severity.
The simulation made it possible to examine specific aspects of the organization’s security infrastructure, its security protocols, and its ability to respond in such an adverse scenario.
The results were used to improve internal processes and train the organization’s staff. They also served as the foundation for negotiating cyber insurance tailored to the client’s specific context, ensuring more accurate and appropriate coverage.

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.

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.

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.

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.

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.

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.

We have developed a 100% digital platform for the quotation, contracting and management of policies by the end customers themselves (members of the companies and their families). The platform, launched in 2019, works as a self-service, with simple and intuitive navigation and the security of obtaining the best cost-benefit ratio for those who hire. The project was developed through partnerships with the main players in the insurance market and had the objective of bringing the news of this market, promoting its evolution.

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.