{"id":262,"date":"2024-04-16T18:29:10","date_gmt":"2024-04-16T21:29:10","guid":{"rendered":"https:\/\/duastorresseguros.com.br\/?page_id=262"},"modified":"2026-04-17T17:10:13","modified_gmt":"2026-04-17T20:10:13","slug":"fale-conosco","status":"publish","type":"page","link":"http:\/\/duastorresseguros.com.br\/index.php\/fale-conosco\/","title":{"rendered":"Fale Conosco"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"262\" class=\"elementor elementor-262\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9cfd57d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9cfd57d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4141081\" data-id=\"4141081\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3963238d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3963238d\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd22f51\" data-id=\"cd22f51\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-27e3b4c5 elementor-section-content-middle elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27e3b4c5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-747bd859 elementor-invisible\" data-id=\"747bd859\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ed2bef elementor-widget elementor-widget-image\" data-id=\"6ed2bef\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1536\" src=\"http:\/\/duastorresseguros.com.br\/wp-content\/uploads\/2026\/02\/Torres-gemeas-ao-por-do-sol.png\" class=\"attachment-full size-full wp-image-3274\" alt=\"\" srcset=\"http:\/\/duastorresseguros.com.br\/wp-content\/uploads\/2026\/02\/Torres-gemeas-ao-por-do-sol.png 1024w, http:\/\/duastorresseguros.com.br\/wp-content\/uploads\/2026\/02\/Torres-gemeas-ao-por-do-sol-200x300.png 200w, http:\/\/duastorresseguros.com.br\/wp-content\/uploads\/2026\/02\/Torres-gemeas-ao-por-do-sol-683x1024.png 683w, http:\/\/duastorresseguros.com.br\/wp-content\/uploads\/2026\/02\/Torres-gemeas-ao-por-do-sol-768x1152.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-631544fe elementor-invisible\" data-id=\"631544fe\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76739c33 elementor-widget elementor-widget-heading\" data-id=\"76739c33\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Cada cliente \u00e9 \u00fanico. Seu seguro tamb\u00e9m!<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-641813fb elementor-widget elementor-widget-heading\" data-id=\"641813fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tire suas d\u00favidas agora mesmo, sem compromisso, e agende uma reuni\u00e3o.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf0a2be elementor-widget elementor-widget-heading\" data-id=\"cf0a2be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fale com um especialista e receba a solu\u00e7\u00e3o ideal para o seu seguro.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ca954f elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"29ca954f\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"262\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"29ca954f\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Fale Conosco\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"262\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNome\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Nome\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_42403c6 elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_42403c6\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-Mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_42403c6]\" id=\"form-field-field_42403c6\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"E-Mail\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_ec6313b elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_ec6313b\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tAssunto\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_ec6313b]\" id=\"form-field-field_ec6313b\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Assunto\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMensagem\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[email]\" id=\"form-field-email\" rows=\"4\" placeholder=\"Mensagem\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-radio elementor-field-group elementor-column elementor-field-group-field_df6d716 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_df6d716\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tAceito\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup  elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"radio\" value=\"Aceite os Termos de Consentimento para Tratamento de Dados. Este documento visa registrar a manifesta\u00e7\u00e3o livre, informada e inequ\u00edvoca pela qual o Titular concorda com o tratamento de seus dados pessoais para finalidade espec\u00edfica, em conformidade com a Lei n\u00ba 13.709 - Lei Geral de Prote\u00e7\u00e3o de Dados Pessoais (LGPD).\" id=\"form-field-field_df6d716-0\" name=\"form_fields[field_df6d716]\" required=\"required\"> <label for=\"form-field-field_df6d716-0\">Aceite os Termos de Consentimento para Tratamento de Dados. Este documento visa registrar a manifesta\u00e7\u00e3o livre, informada e inequ\u00edvoca pela qual o Titular concorda com o tratamento de seus dados pessoais para finalidade espec\u00edfica, em conformidade com a Lei n\u00ba 13.709 - Lei Geral de Prote\u00e7\u00e3o de Dados Pessoais (LGPD).<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Enviar<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0e7a20 elementor-mobile-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c0e7a20\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">(11) 2657-7712<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" icon_mail\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">contato@duastorresseguros.com.br<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-6371f40 e-flex e-con-boxed e-con e-parent\" data-id=\"6371f40\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d936ad0 elementor-widget elementor-widget-text-editor\" data-id=\"d936ad0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><p>&#8220;A\u00a0<strong>Duas Torres<\/strong> est\u00e1 localizada no 24\u00ba andar da Torre B do condom\u00ednio\u00a0<strong>EZ Towers<\/strong>, complexo corporativo\u00a0<strong>Triple A<\/strong>\u00a0e refer\u00eancia em excel\u00eancia e sofistica\u00e7\u00e3o na Zona Sul da cidade de S\u00e3o Paulo. Estar neste endere\u00e7o refor\u00e7a nosso compromisso com alto padr\u00e3o, efici\u00eancia e credibilidade.&#8221;<\/p><p><strong>Silvio Rodrigues<br \/><\/strong>Cofundador<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d2775f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2d2775f3\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:200,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-57ee9ac0\" data-id=\"57ee9ac0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-51ff537a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51ff537a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5374270c\" data-id=\"5374270c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cdb640 elementor-widget elementor-widget-menu-anchor\" data-id=\"6cdb640\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"faq\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6436ba0a elementor-widget elementor-widget-heading\" data-id=\"6436ba0a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10bdd60c elementor-widget elementor-widget-heading\" data-id=\"10bdd60c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perguntas e Respostas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5a0b3 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-toggle\" data-id=\"4d5a0b3\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8111\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">1. O que \u00e9 o Marco Legal do Seguro?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8111\"><p>O\u00a0<strong>Marco Legal do Seguro<\/strong>\u00a0\u00e9 a legisla\u00e7\u00e3o que regula os contratos de seguro no Brasil, trazendo\u00a0<strong>mais clareza, seguran\u00e7a jur\u00eddica e transpar\u00eancia<\/strong>\u00a0para segurados, seguradoras e estipulantes.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8112\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">2. Qual a motiva\u00e7\u00e3o para a cria\u00e7\u00e3o da lei?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8112\"><p>Ela moderniza regras antigas, reduz conflitos judiciais, protege consumidores e alinha o Brasil \u00e0s\u00a0<strong>boas pr\u00e1ticas internacionais de seguros<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8113\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">3. Quais tipos de seguro s\u00e3o abrangidos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8113\"><p><span style=\"font-family: arial, sans-serif;\">A lei abrange seguros:<\/span><\/p><ul><li><p><span style=\"font-family: arial, sans-serif;\">Vida e acidentes pessoais<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Autom\u00f3vel<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Residencial<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Empresarial<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Responsabilidade civil<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Coletivos (funcion\u00e1rios, associados)<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8114\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">4. Como se forma um contrato de seguro?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8114\"><p><span style=\"font-family: arial, sans-serif;\">O contrato depende de\u00a0<strong>proposta do segurado, an\u00e1lise e aceita\u00e7\u00e3o da seguradora e emiss\u00e3o da ap\u00f3lice<\/strong>. A seguradora deve avaliar o risco dentro de prazo definido.<\/span><\/p><p><span style=\"font-family: arial, sans-serif;\"><strong>Exemplo:<\/strong>\u00a0Um cliente envia proposta de seguro residencial; a seguradora tem 15 dias para aceitar ou solicitar ajustes.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8115\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">5. O que \u00e9 boa-f\u00e9 objetiva?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8115\"><p>\u00c9 o princ\u00edpio que exige que\u00a0<strong>todas as partes ajam com honestidade, transpar\u00eancia e lealdade<\/strong>. O segurado deve informar riscos reais e a seguradora deve apresentar informa\u00e7\u00f5es claras.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8116\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-8116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">6. Quais s\u00e3o os deveres do segurado?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-8116\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Informar corretamente sobre o risco;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Pagar o pr\u00eamio;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Comunicar agravamento relevante do risco;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Avisar ocorr\u00eancia de sinistros;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Colaborar com a seguradora na regula\u00e7\u00e3o de sinistros.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8117\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-8117\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">7. Quais s\u00e3o os deveres da seguradora?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8117\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-8117\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Contratos claros e objetivos;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Informa\u00e7\u00f5es sobre cobertura, exclus\u00f5es e limites;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">An\u00e1lise e resposta a sinistros dentro de prazo;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Justificar formalmente negativa de cobertura.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8118\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-8118\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">8. O que acontece se o risco mudar?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8118\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-8118\"><ul><li><p><span style=\"font-family: arial, sans-serif;\"><strong>Agravamento:<\/strong>\u00a0o segurado deve comunicar; a seguradora pode ajustar pr\u00eamio ou rescindir contrato.<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\"><strong>Redu\u00e7\u00e3o:<\/strong>\u00a0pode gerar redu\u00e7\u00e3o proporcional do pr\u00eamio.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8119\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-8119\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">9. Como funciona o pagamento do pr\u00eamio?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8119\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-8119\"><p>O pagamento \u00e9 essencial para manuten\u00e7\u00e3o da cobertura. A lei define regras para <strong>suspens\u00e3o, cancelamento e reativa\u00e7\u00e3o do seguro<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-81110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">10. O que caracteriza um sinistro?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-81110\"><p>\u00c9 a\u00a0<strong>ocorr\u00eancia de um evento previsto no contrato que gera direito \u00e0 indeniza\u00e7\u00e3o<\/strong>, como inc\u00eandio, acidente de tr\u00e2nsito, morte ou invalidez.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-81111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">11. Como \u00e9 feita a regula\u00e7\u00e3o de sinistros?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-81111\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Comunica\u00e7\u00e3o pelo segurado dentro do prazo;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Apresenta\u00e7\u00e3o dos documentos necess\u00e1rios;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">An\u00e1lise transparente da seguradora;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Fundamenta\u00e7\u00e3o formal em caso de negativa.<\/span><\/p><\/li><\/ul><p><span style=\"font-family: arial, sans-serif;\"><strong>Exemplo:<\/strong>\u00a0Em um seguro autom\u00f3vel, o segurado envia boletim de ocorr\u00eancia e fotos do acidente para iniciar o processo de indeniza\u00e7\u00e3o.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-81112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">12. O que \u00e9 sub-roga\u00e7\u00e3o?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-81112\"><p>Ap\u00f3s pagar a indeniza\u00e7\u00e3o, a seguradora pode cobrar o respons\u00e1vel pelo dano, evitando que o segurado se beneficie indevidamente.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-81113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">13. Como ficam os seguros coletivos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-81113\"><p><span style=\"font-family: arial, sans-serif;\">O\u00a0<strong>estipulante<\/strong>, que contrata o seguro em nome do grupo, deve garantir:<\/span><\/p><ul><li><p><span style=\"font-family: arial, sans-serif;\">Transpar\u00eancia e comunica\u00e7\u00e3o clara;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Cumprimento dos deveres legais;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Prote\u00e7\u00e3o dos direitos dos segurados.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-81114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">13. Como ficam os seguros coletivos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-81114\"><p><span style=\"font-family: arial, sans-serif;\">O\u00a0<strong>estipulante<\/strong>, que contrata o seguro em nome do grupo, deve garantir:<\/span><\/p><ul><li><p><span style=\"font-family: arial, sans-serif;\">Transpar\u00eancia e comunica\u00e7\u00e3o clara;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Cumprimento dos deveres legais;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Prote\u00e7\u00e3o dos direitos dos segurados.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81115\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-81115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">14. Como interpretar cl\u00e1usulas amb\u00edguas?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-81115\"><p>Cl\u00e1usulas duvidosas s\u00e3o interpretadas\u00a0<strong>a favor do segurado<\/strong>, promovendo equil\u00edbrio contratual.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81116\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-81116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">15. O Marco Legal se aplica a contratos j\u00e1 existentes?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-81116\"><p>Sim, mas\u00a0<strong>contratos vigentes mant\u00eam sua validade<\/strong>\u00a0at\u00e9 o fim da vig\u00eancia; a lei se aplica principalmente a\u00a0<strong>novos contratos e renova\u00e7\u00f5es<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81117\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-81117\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">16. Como a lei protege o consumidor?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81117\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-81117\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Prazos claros para an\u00e1lise de sinistros;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Informa\u00e7\u00f5es transparentes sobre coberturas;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Limita\u00e7\u00e3o de exclus\u00f5es abusivas;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Direito \u00e0 indeniza\u00e7\u00e3o proporcional ao preju\u00edzo.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81118\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-81118\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">17. O que muda nos seguros empresariais?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81118\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-81118\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Clareza nas coberturas complexas;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Defini\u00e7\u00e3o de responsabilidades de s\u00f3cios, funcion\u00e1rios e terceiros;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Ajuste de pr\u00eamio conforme risco real da atividade.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81119\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-81119\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">18. Exemplos pr\u00e1ticos de agravamento de risco<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81119\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-81119\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Mudan\u00e7a de uso do im\u00f3vel;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Aumento do n\u00famero de funcion\u00e1rios;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Atividades de maior exposi\u00e7\u00e3o ao risco;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">N\u00e3o comunicar pode resultar em perda da cobertura.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81120\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-81120\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">19. Exemplos de redu\u00e7\u00e3o de risco<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81120\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-81120\"><ul><li><p><span style=\"font-family: arial, sans-serif;\">Instala\u00e7\u00e3o de sistema de seguran\u00e7a em im\u00f3vel;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Implementa\u00e7\u00e3o de plano de preven\u00e7\u00e3o de acidentes na empresa;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Redu\u00e7\u00e3o de pr\u00eamio proporcional ao risco menor.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-81121\" class=\"elementor-tab-title\" data-tab=\"21\" role=\"button\" aria-controls=\"elementor-tab-content-81121\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">20. Como a Duas Torres apoia seus clientes?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-81121\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"region\" aria-labelledby=\"elementor-tab-title-81121\"><p><span style=\"font-family: arial, sans-serif;\">A\u00a0<strong>Duas Torres<\/strong>\u00a0orienta clientes sobre:<\/span><\/p><ul><li><p><span style=\"font-family: arial, sans-serif;\">Escolha do seguro adequado;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Compreens\u00e3o das coberturas e exclus\u00f5es;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Procedimentos em caso de sinistro;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Direitos e deveres previstos na lei;<\/span><\/p><\/li><li><p><span style=\"font-family: arial, sans-serif;\">Ajustes de contrato conforme mudan\u00e7as no risco.<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. O que \\u00e9 o Marco Legal do Seguro?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>O\\u00a0<strong>Marco Legal do Seguro<\\\/strong>\\u00a0\\u00e9 a legisla\\u00e7\\u00e3o que regula os contratos de seguro no Brasil, trazendo\\u00a0<strong>mais clareza, seguran\\u00e7a jur\\u00eddica e transpar\\u00eancia<\\\/strong>\\u00a0para segurados, seguradoras e estipulantes.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"2. Qual a motiva\\u00e7\\u00e3o para a cria\\u00e7\\u00e3o da lei?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Ela moderniza regras antigas, reduz conflitos judiciais, protege consumidores e alinha o Brasil \\u00e0s\\u00a0<strong>boas pr\\u00e1ticas internacionais de seguros<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"3. Quais tipos de seguro s\\u00e3o abrangidos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-family: arial, sans-serif;\\\">A lei abrange seguros:<\\\/span><\\\/p><ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Vida e acidentes pessoais<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Autom\\u00f3vel<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Residencial<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Empresarial<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Responsabilidade civil<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Coletivos (funcion\\u00e1rios, associados)<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"4. Como se forma um contrato de seguro?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-family: arial, sans-serif;\\\">O contrato depende de\\u00a0<strong>proposta do segurado, an\\u00e1lise e aceita\\u00e7\\u00e3o da seguradora e emiss\\u00e3o da ap\\u00f3lice<\\\/strong>. A seguradora deve avaliar o risco dentro de prazo definido.<\\\/span><\\\/p><p><span style=\\\"font-family: arial, sans-serif;\\\"><strong>Exemplo:<\\\/strong>\\u00a0Um cliente envia proposta de seguro residencial; a seguradora tem 15 dias para aceitar ou solicitar ajustes.<\\\/span><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"5. O que \\u00e9 boa-f\\u00e9 objetiva?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00c9 o princ\\u00edpio que exige que\\u00a0<strong>todas as partes ajam com honestidade, transpar\\u00eancia e lealdade<\\\/strong>. O segurado deve informar riscos reais e a seguradora deve apresentar informa\\u00e7\\u00f5es claras.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"6. Quais s\\u00e3o os deveres do segurado?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Informar corretamente sobre o risco;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Pagar o pr\\u00eamio;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Comunicar agravamento relevante do risco;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Avisar ocorr\\u00eancia de sinistros;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Colaborar com a seguradora na regula\\u00e7\\u00e3o de sinistros.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"7. Quais s\\u00e3o os deveres da seguradora?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Contratos claros e objetivos;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Informa\\u00e7\\u00f5es sobre cobertura, exclus\\u00f5es e limites;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">An\\u00e1lise e resposta a sinistros dentro de prazo;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Justificar formalmente negativa de cobertura.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"8. O que acontece se o risco mudar?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\"><strong>Agravamento:<\\\/strong>\\u00a0o segurado deve comunicar; a seguradora pode ajustar pr\\u00eamio ou rescindir contrato.<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\"><strong>Redu\\u00e7\\u00e3o:<\\\/strong>\\u00a0pode gerar redu\\u00e7\\u00e3o proporcional do pr\\u00eamio.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"9. Como funciona o pagamento do pr\\u00eamio?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>O pagamento \\u00e9 essencial para manuten\\u00e7\\u00e3o da cobertura. A lei define regras para <strong>suspens\\u00e3o, cancelamento e reativa\\u00e7\\u00e3o do seguro<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"10. O que caracteriza um sinistro?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00c9 a\\u00a0<strong>ocorr\\u00eancia de um evento previsto no contrato que gera direito \\u00e0 indeniza\\u00e7\\u00e3o<\\\/strong>, como inc\\u00eandio, acidente de tr\\u00e2nsito, morte ou invalidez.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"11. Como \\u00e9 feita a regula\\u00e7\\u00e3o de sinistros?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Comunica\\u00e7\\u00e3o pelo segurado dentro do prazo;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Apresenta\\u00e7\\u00e3o dos documentos necess\\u00e1rios;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">An\\u00e1lise transparente da seguradora;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Fundamenta\\u00e7\\u00e3o formal em caso de negativa.<\\\/span><\\\/p><\\\/li><\\\/ul><p><span style=\\\"font-family: arial, sans-serif;\\\"><strong>Exemplo:<\\\/strong>\\u00a0Em um seguro autom\\u00f3vel, o segurado envia boletim de ocorr\\u00eancia e fotos do acidente para iniciar o processo de indeniza\\u00e7\\u00e3o.<\\\/span><\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"12. O que \\u00e9 sub-roga\\u00e7\\u00e3o?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Ap\\u00f3s pagar a indeniza\\u00e7\\u00e3o, a seguradora pode cobrar o respons\\u00e1vel pelo dano, evitando que o segurado se beneficie indevidamente.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"13. Como ficam os seguros coletivos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-family: arial, sans-serif;\\\">O\\u00a0<strong>estipulante<\\\/strong>, que contrata o seguro em nome do grupo, deve garantir:<\\\/span><\\\/p><ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Transpar\\u00eancia e comunica\\u00e7\\u00e3o clara;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Cumprimento dos deveres legais;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Prote\\u00e7\\u00e3o dos direitos dos segurados.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"13. Como ficam os seguros coletivos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-family: arial, sans-serif;\\\">O\\u00a0<strong>estipulante<\\\/strong>, que contrata o seguro em nome do grupo, deve garantir:<\\\/span><\\\/p><ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Transpar\\u00eancia e comunica\\u00e7\\u00e3o clara;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Cumprimento dos deveres legais;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Prote\\u00e7\\u00e3o dos direitos dos segurados.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"14. Como interpretar cl\\u00e1usulas amb\\u00edguas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Cl\\u00e1usulas duvidosas s\\u00e3o interpretadas\\u00a0<strong>a favor do segurado<\\\/strong>, promovendo equil\\u00edbrio contratual.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"15. O Marco Legal se aplica a contratos j\\u00e1 existentes?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Sim, mas\\u00a0<strong>contratos vigentes mant\\u00eam sua validade<\\\/strong>\\u00a0at\\u00e9 o fim da vig\\u00eancia; a lei se aplica principalmente a\\u00a0<strong>novos contratos e renova\\u00e7\\u00f5es<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"16. Como a lei protege o consumidor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Prazos claros para an\\u00e1lise de sinistros;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Informa\\u00e7\\u00f5es transparentes sobre coberturas;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Limita\\u00e7\\u00e3o de exclus\\u00f5es abusivas;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Direito \\u00e0 indeniza\\u00e7\\u00e3o proporcional ao preju\\u00edzo.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"17. O que muda nos seguros empresariais?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Clareza nas coberturas complexas;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Defini\\u00e7\\u00e3o de responsabilidades de s\\u00f3cios, funcion\\u00e1rios e terceiros;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Ajuste de pr\\u00eamio conforme risco real da atividade.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"18. Exemplos pr\\u00e1ticos de agravamento de risco\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Mudan\\u00e7a de uso do im\\u00f3vel;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Aumento do n\\u00famero de funcion\\u00e1rios;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Atividades de maior exposi\\u00e7\\u00e3o ao risco;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">N\\u00e3o comunicar pode resultar em perda da cobertura.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"19. Exemplos de redu\\u00e7\\u00e3o de risco\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Instala\\u00e7\\u00e3o de sistema de seguran\\u00e7a em im\\u00f3vel;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Implementa\\u00e7\\u00e3o de plano de preven\\u00e7\\u00e3o de acidentes na empresa;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Redu\\u00e7\\u00e3o de pr\\u00eamio proporcional ao risco menor.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}},{\"@type\":\"Question\",\"name\":\"20. Como a Duas Torres apoia seus clientes?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-family: arial, sans-serif;\\\">A\\u00a0<strong>Duas Torres<\\\/strong>\\u00a0orienta clientes sobre:<\\\/span><\\\/p><ul><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Escolha do seguro adequado;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Compreens\\u00e3o das coberturas e exclus\\u00f5es;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Procedimentos em caso de sinistro;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Direitos e deveres previstos na lei;<\\\/span><\\\/p><\\\/li><li><p><span style=\\\"font-family: arial, sans-serif;\\\">Ajustes de contrato conforme mudan\\u00e7as no risco.<\\\/span><\\\/p><\\\/li><\\\/ul>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-632ba2e elementor-widget elementor-widget-toggle\" data-id=\"632ba2e\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1031\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1031\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Marco Legal do Seguro <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1031\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1031\"><p data-start=\"0\" data-end=\"227\"><strong data-start=\"0\" data-end=\"39\">1. O que \u00e9 o Marco Legal do Seguro?<\/strong><br data-start=\"39\" data-end=\"42\" \/>O Marco Legal do Seguro \u00e9 a legisla\u00e7\u00e3o que regula os contratos de seguro no Brasil, trazendo mais clareza, seguran\u00e7a jur\u00eddica e transpar\u00eancia para segurados, seguradoras e estipulantes.<\/p><p data-start=\"229\" data-end=\"417\"><strong data-start=\"229\" data-end=\"275\">2. Qual a motiva\u00e7\u00e3o para a cria\u00e7\u00e3o da lei?<\/strong><br data-start=\"275\" data-end=\"278\" \/>Ela moderniza regras antigas, reduz conflitos judiciais, protege consumidores e alinha o Brasil \u00e0s boas pr\u00e1ticas internacionais de seguros.<\/p><p data-start=\"419\" data-end=\"490\"><strong data-start=\"419\" data-end=\"463\">3. Quais tipos de seguro s\u00e3o abrangidos?<\/strong><br data-start=\"463\" data-end=\"466\" \/>A lei abrange seguros:<\/p><ul data-start=\"491\" data-end=\"632\"><li data-section-id=\"5i80hc\" data-start=\"491\" data-end=\"520\">Vida e acidentes pessoais<\/li><li data-section-id=\"zpo412\" data-start=\"521\" data-end=\"534\">Autom\u00f3vel<\/li><li data-section-id=\"nqdf4d\" data-start=\"535\" data-end=\"550\">Residencial<\/li><li data-section-id=\"352qir\" data-start=\"551\" data-end=\"566\">Empresarial<\/li><li data-section-id=\"wab4qk\" data-start=\"567\" data-end=\"593\">Responsabilidade civil<\/li><li data-section-id=\"1zvore\" data-start=\"594\" data-end=\"632\">Coletivos (funcion\u00e1rios, associados)<\/li><\/ul><p data-start=\"634\" data-end=\"841\"><strong data-start=\"634\" data-end=\"677\">4. Como se forma um contrato de seguro?<\/strong><br data-start=\"677\" data-end=\"680\" \/>O contrato depende de proposta do segurado, an\u00e1lise e aceita\u00e7\u00e3o da seguradora e emiss\u00e3o da ap\u00f3lice. A seguradora deve avaliar o risco dentro de prazo definido.<\/p><p data-start=\"843\" data-end=\"960\">Exemplo: Um cliente envia proposta de seguro residencial; a seguradora tem 15 dias para aceitar ou solicitar ajustes.<\/p><p data-start=\"962\" data-end=\"1176\"><strong data-start=\"962\" data-end=\"993\">5. O que \u00e9 boa-f\u00e9 objetiva?<\/strong><br data-start=\"993\" data-end=\"996\" \/>\u00c9 o princ\u00edpio que exige que todas as partes ajam com honestidade, transpar\u00eancia e lealdade. O segurado deve informar riscos reais e a seguradora deve apresentar informa\u00e7\u00f5es claras.<\/p><p data-start=\"1178\" data-end=\"1220\"><strong data-start=\"1178\" data-end=\"1218\">6. Quais s\u00e3o os deveres do segurado?<\/strong><\/p><ul data-start=\"1221\" data-end=\"1419\"><li data-section-id=\"1j8l74o\" data-start=\"1221\" data-end=\"1261\">Informar corretamente sobre o risco;<\/li><li data-section-id=\"1s2o1bu\" data-start=\"1262\" data-end=\"1281\">Pagar o pr\u00eamio;<\/li><li data-section-id=\"19hgho6\" data-start=\"1282\" data-end=\"1327\">Comunicar agravamento relevante do risco;<\/li><li data-section-id=\"1w5j0dw\" data-start=\"1328\" data-end=\"1363\">Avisar ocorr\u00eancia de sinistros;<\/li><li data-section-id=\"vnud31\" data-start=\"1364\" data-end=\"1419\">Colaborar com a seguradora na regula\u00e7\u00e3o de sinistros.<\/li><\/ul><p data-start=\"1421\" data-end=\"1465\"><strong data-start=\"1421\" data-end=\"1463\">7. Quais s\u00e3o os deveres da seguradora?<\/strong><\/p><ul data-start=\"1466\" data-end=\"1653\"><li data-section-id=\"1ypqqxa\" data-start=\"1466\" data-end=\"1499\">Contratos claros e objetivos;<\/li><li data-section-id=\"1lla7vc\" data-start=\"1500\" data-end=\"1553\">Informa\u00e7\u00f5es sobre cobertura, exclus\u00f5es e limites;<\/li><li data-section-id=\"yiylw2\" data-start=\"1554\" data-end=\"1605\">An\u00e1lise e resposta a sinistros dentro de prazo;<\/li><li data-section-id=\"178ggfd\" data-start=\"1606\" data-end=\"1653\">Justificar formalmente negativa de cobertura.<\/li><\/ul><p data-start=\"1655\" data-end=\"1794\"><strong data-start=\"1655\" data-end=\"1694\">8. O que acontece se o risco mudar?<\/strong><br data-start=\"1694\" data-end=\"1697\" \/>Agravamento: o segurado deve comunicar; a seguradora pode ajustar pr\u00eamio ou rescindir contrato.<\/p><p data-start=\"1796\" data-end=\"1847\">Redu\u00e7\u00e3o: pode gerar redu\u00e7\u00e3o proporcional do pr\u00eamio.<\/p><p data-start=\"1849\" data-end=\"2021\"><strong data-start=\"1849\" data-end=\"1892\">9. Como funciona o pagamento do pr\u00eamio?<\/strong><br data-start=\"1892\" data-end=\"1895\" \/>O pagamento \u00e9 essencial para manuten\u00e7\u00e3o da cobertura. A lei define regras para suspens\u00e3o, cancelamento e reativa\u00e7\u00e3o do seguro.<\/p><p data-start=\"2023\" data-end=\"2201\"><strong data-start=\"2023\" data-end=\"2061\">10. O que caracteriza um sinistro?<\/strong><br data-start=\"2061\" data-end=\"2064\" \/>\u00c9 a ocorr\u00eancia de um evento previsto no contrato que gera direito \u00e0 indeniza\u00e7\u00e3o, como inc\u00eandio, acidente de tr\u00e2nsito, morte ou invalidez.<\/p><p data-start=\"2203\" data-end=\"2251\"><strong data-start=\"2203\" data-end=\"2249\">11. Como \u00e9 feita a regula\u00e7\u00e3o de sinistros?<\/strong><\/p><ul data-start=\"2252\" data-end=\"2429\"><li data-section-id=\"bt9vfc\" data-start=\"2252\" data-end=\"2298\">Comunica\u00e7\u00e3o pelo segurado dentro do prazo;<\/li><li data-section-id=\"taoikz\" data-start=\"2299\" data-end=\"2343\">Apresenta\u00e7\u00e3o dos documentos necess\u00e1rios;<\/li><li data-section-id=\"eejzd3\" data-start=\"2344\" data-end=\"2383\">An\u00e1lise transparente da seguradora;<\/li><li data-section-id=\"z86ux9\" data-start=\"2384\" data-end=\"2429\">Fundamenta\u00e7\u00e3o formal em caso de negativa.<\/li><\/ul><p data-start=\"2431\" data-end=\"2562\">Exemplo: Em um seguro autom\u00f3vel, o segurado envia boletim de ocorr\u00eancia e fotos do acidente para iniciar o processo de indeniza\u00e7\u00e3o.<\/p><p data-start=\"2564\" data-end=\"2722\"><strong data-start=\"2564\" data-end=\"2592\">12. O que \u00e9 sub-roga\u00e7\u00e3o?<\/strong><br data-start=\"2592\" data-end=\"2595\" \/>Ap\u00f3s pagar a indeniza\u00e7\u00e3o, a seguradora pode cobrar o respons\u00e1vel pelo dano, evitando que o segurado se beneficie indevidamente.<\/p><p data-start=\"2724\" data-end=\"2838\"><strong data-start=\"2724\" data-end=\"2764\">13. Como ficam os seguros coletivos?<\/strong><br data-start=\"2764\" data-end=\"2767\" \/>O estipulante, que contrata o seguro em nome do grupo, deve garantir:<\/p><ul data-start=\"2839\" data-end=\"2952\"><li data-section-id=\"14ct3d3\" data-start=\"2839\" data-end=\"2877\">Transpar\u00eancia e comunica\u00e7\u00e3o clara;<\/li><li data-section-id=\"kkrzad\" data-start=\"2878\" data-end=\"2913\">Cumprimento dos deveres legais;<\/li><li data-section-id=\"1veeu1x\" data-start=\"2914\" data-end=\"2952\">Prote\u00e7\u00e3o dos direitos dos segurados.<\/li><\/ul><p data-start=\"2954\" data-end=\"3093\"><strong data-start=\"2954\" data-end=\"2998\">14. Como interpretar cl\u00e1usulas amb\u00edguas?<\/strong><br data-start=\"2998\" data-end=\"3001\" \/>Cl\u00e1usulas duvidosas s\u00e3o interpretadas a favor do segurado, promovendo equil\u00edbrio contratual.<\/p><p data-start=\"3095\" data-end=\"3289\"><strong data-start=\"3095\" data-end=\"3153\">15. O Marco Legal se aplica a contratos j\u00e1 existentes?<\/strong><br data-start=\"3153\" data-end=\"3156\" \/>Sim, mas contratos vigentes mant\u00eam sua validade at\u00e9 o fim da vig\u00eancia; a lei se aplica principalmente a novos contratos e renova\u00e7\u00f5es.<\/p><p data-start=\"3291\" data-end=\"3333\"><strong data-start=\"3291\" data-end=\"3331\">16. Como a lei protege o consumidor?<\/strong><\/p><ul data-start=\"3334\" data-end=\"3513\"><li data-section-id=\"d1pw4c\" data-start=\"3334\" data-end=\"3378\">Prazos claros para an\u00e1lise de sinistros;<\/li><li data-section-id=\"11vp9ty\" data-start=\"3379\" data-end=\"3426\">Informa\u00e7\u00f5es transparentes sobre coberturas;<\/li><li data-section-id=\"1htzzoy\" data-start=\"3427\" data-end=\"3463\">Limita\u00e7\u00e3o de exclus\u00f5es abusivas;<\/li><li data-section-id=\"rjccdz\" data-start=\"3464\" data-end=\"3513\">Direito \u00e0 indeniza\u00e7\u00e3o proporcional ao preju\u00edzo.<\/li><\/ul><p data-start=\"3515\" data-end=\"3561\"><strong data-start=\"3515\" data-end=\"3559\">17. O que muda nos seguros empresariais?<\/strong><\/p><ul data-start=\"3562\" data-end=\"3724\"><li data-section-id=\"3wbzif\" data-start=\"3562\" data-end=\"3599\">Clareza nas coberturas complexas;<\/li><li data-section-id=\"1m1e5z6\" data-start=\"3600\" data-end=\"3671\">Defini\u00e7\u00e3o de responsabilidades de s\u00f3cios, funcion\u00e1rios e terceiros;<\/li><li data-section-id=\"tm7kad\" data-start=\"3672\" data-end=\"3724\">Ajuste de pr\u00eamio conforme risco real da atividade.<\/li><\/ul><p data-start=\"3726\" data-end=\"3777\"><strong data-start=\"3726\" data-end=\"3775\">18. Exemplos pr\u00e1ticos de agravamento de risco<\/strong><\/p><ul data-start=\"3778\" data-end=\"3943\"><li data-section-id=\"421e6l\" data-start=\"3778\" data-end=\"3807\">Mudan\u00e7a de uso do im\u00f3vel;<\/li><li data-section-id=\"mrhkv5\" data-start=\"3808\" data-end=\"3846\">Aumento do n\u00famero de funcion\u00e1rios;<\/li><li data-section-id=\"h61wnb\" data-start=\"3847\" data-end=\"3890\">Atividades de maior exposi\u00e7\u00e3o ao risco;<\/li><li data-section-id=\"2q1j0n\" data-start=\"3891\" data-end=\"3943\">N\u00e3o comunicar pode resultar em perda da cobertura.<\/li><\/ul><p data-start=\"3945\" data-end=\"3983\"><strong data-start=\"3945\" data-end=\"3981\">19. Exemplos de redu\u00e7\u00e3o de risco<\/strong><\/p><ul data-start=\"3984\" data-end=\"4147\"><li data-section-id=\"ish3gf\" data-start=\"3984\" data-end=\"4033\">Instala\u00e7\u00e3o de sistema de seguran\u00e7a em im\u00f3vel;<\/li><li data-section-id=\"kswmz2\" data-start=\"4034\" data-end=\"4098\">Implementa\u00e7\u00e3o de plano de preven\u00e7\u00e3o de acidentes na empresa;<\/li><li data-section-id=\"l9axku\" data-start=\"4099\" data-end=\"4147\">Redu\u00e7\u00e3o de pr\u00eamio proporcional ao risco menor.<\/li><\/ul><p data-start=\"4149\" data-end=\"4238\"><strong data-start=\"4149\" data-end=\"4196\">20. Como a Duas Torres apoia seus clientes?<\/strong><br data-start=\"4196\" data-end=\"4199\" \/>A Duas Torres orienta clientes sobre:<\/p><ul data-start=\"4239\" data-end=\"4444\" data-is-last-node=\"\" data-is-only-node=\"\"><li data-section-id=\"154g4ts\" data-start=\"4239\" data-end=\"4270\">Escolha do seguro adequado;<\/li><li data-section-id=\"1v3r4t\" data-start=\"4271\" data-end=\"4314\">Compreens\u00e3o das coberturas e exclus\u00f5es;<\/li><li data-section-id=\"1nqh3cb\" data-start=\"4315\" data-end=\"4353\">Procedimentos em caso de sinistro;<\/li><li data-section-id=\"16lg2wn\" data-start=\"4354\" data-end=\"4394\">Direitos e deveres previstos na lei;<\/li><li data-section-id=\"iqpkw4\" data-start=\"4395\" data-end=\"4444\" data-is-last-node=\"\">Ajustes de contrato conforme mudan\u00e7as no risco.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1032\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1032\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O que \u00e9 o seguro D&O?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1032\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1032\"><p>O Seguro D&amp;O (Directors &amp; Officers, na sigla em ingl\u00eas) \u00e9 uma modalidade de seguro que visa garantir a tranquilidade e prote\u00e7\u00e3o para executivos e administradores de empresas.<\/p><p>Diretores e administradores possuem grandes responsabilidades na gest\u00e3o de empresas, podendo ser responsabilizados por seus atos de gest\u00e3o. Mundialmente, a lei prev\u00ea a responsabiliza\u00e7\u00e3o, civil ou criminal, de diretores e administradores que causaram danos materiais e morais durante a sua gest\u00e3o na empresa.<\/p><p>Por\u00e9m, a quest\u00e3o \u00e9 bem mais complexa do que parece e envolve diversos fatores. Por isso, empresas e executivos devem estar cada vez mais atentos a isso para se proteger de eventuais problemas.<\/p><p>Para auxiliar na preven\u00e7\u00e3o desses riscos, existe o seguro de D&amp;O, garantindo cobertura para processos judiciais, administrativos ou arbitrais relacionados a atos de gest\u00e3o de executivos.<\/p><p>Sinistros mais comuns de D&amp;O<\/p><p>Entre os sinistros mais comuns no Brasil est\u00e3o os processos tribut\u00e1rios. A falta de clareza sobre o pagamento de tributos no pa\u00eds traz uma s\u00e9rie de inseguran\u00e7as \u00e0s empresas e seus administradores, pois a legisla\u00e7\u00e3o apresenta vari\u00e1veis que at\u00e9 advogados tributaristas t\u00eam dificuldades para interpretar de forma totalmente assertiva.<\/p><p>Um erro no pagamento de um imposto, por exemplo, pode levar um gestor a ser processado criminalmente. Por isso, o ideal \u00e9 que as empresas, independentemente do tamanho, possam contar com um advogado especializado planejando a estrutura tribut\u00e1ria do neg\u00f3cio.<\/p><p>\u00c9 preciso entender o n\u00edvel de risco tribut\u00e1rio que se est\u00e1 correndo e saber mitig\u00e1-lo. Ter um seguro de D&amp;O \u00e9 uma das ferramentas para amenizar esses riscos.<\/p><p>Fonte: AIG<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1033\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1033\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qual a import\u00e2ncia da Responsabilidade Civil para a imagem profissional?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1033\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1033\"><p>A imagem e a reputa\u00e7\u00e3o s\u00e3o fatores fundamentais para o sucesso de empresas ou profissionais, independentemente do setor de atua\u00e7\u00e3o. Por isso, trabalhar para proteger a pr\u00f3pria imagem \u00e9 sempre importante.<\/p><p>Em qualquer \u00e1rea no mercado de trabalho, todos est\u00e3o sujeitos a cometer erros, o que pode trazer preju\u00edzos para a empresa e para o pr\u00f3prio profissional.<\/p><p>Para se precaver desses riscos, \u00e9 importante incluir esse fator no planejamento financeiro. Afinal, uma reclama\u00e7\u00e3o (mesmo quando infundada) pode gerar despesas repentinas e n\u00e3o previstas, sendo que a melhor forma de evitar esse impacto \u00e9 transform\u00e1-la em uma despesa previs\u00edvel.<\/p><p>No mercado de trabalho, qualquer gestor costuma buscar informa\u00e7\u00f5es antes de fazer neg\u00f3cios com uma empresa ou na hora de contratar um novo colaborador. E ter uma imagem positiva certamente ir\u00e1 contribuir no momento dessa escolha.<\/p><p>Como a imagem profissional impacta a carreira dos profissionais liberais<\/p><p>Os profissionais liberais s\u00e3o aqueles que podem exercer com liberdade e autonomia a sua profiss\u00e3o, inerente \u00e0 sua forma\u00e7\u00e3o espec\u00edfica, legalmente reconhecida. O exerc\u00edcio de sua profiss\u00e3o pode ser dado com ou sem v\u00ednculo empregat\u00edcio espec\u00edfico, mas sempre regulamentado por organismos fiscalizadores do exerc\u00edcio profissional.<\/p><p>Outra caracter\u00edstica pr\u00f3pria da categoria \u00e9 que, por ter autonomia t\u00e9cnica, o profissional liberal pode responder na Justi\u00e7a por erros e falhas cometidas durante o exerc\u00edcio da profiss\u00e3o. Por isso, um profissional liberal deve ficar atento a alguns fatores que contribuam com a sua imagem no mercado de trabalho, como por exemplo:<\/p><p>Manuten\u00e7\u00e3o de uma reputa\u00e7\u00e3o positiva no mercado: para um profissional liberal, manter uma boa reputa\u00e7\u00e3o dentro da sua \u00e1rea de atua\u00e7\u00e3o \u00e9 fundamental para o desenvolvimento de sua carreira.<\/p><p>Relacionamentos profissionais e networking: para manter uma boa imagem, o profissional liberal tamb\u00e9m deve sempre ter um bom relacionamento com empresas do seu setor de atua\u00e7\u00e3o e potenciais clientes.<\/p><p>Grupo de profissionais executivos de terno olhando para frente<\/p><p>Riscos e amea\u00e7as \u00e0 imagem profissional<\/p><p>Por outro lado, empresas e profissionais devem ficar atentos aos riscos e amea\u00e7as que podem prejudicar a sua imagem.<\/p><p>Perda de credibilidade e confian\u00e7a dos clientes<\/p><p>Um erro no exerc\u00edcio de sua atividade pode causar a perda de credibilidade e confian\u00e7a por parte de poss\u00edveis clientes, impactando negativamente no equil\u00edbrio financeiro da empresa ou do profissional.<\/p><p>Danos \u00e0 reputa\u00e7\u00e3o e imagem profissional<\/p><p>Dependendo da gravidade do caso, o dano causado \u00e0 imagem de uma empresa ou profissional no mercado pode ser praticamente irrevers\u00edvel, gerando um preju\u00edzo financeiro e reputacional de longo prazo.<\/p><p>Processos judiciais e lit\u00edgios<\/p><p>Quando falamos de erros profissionais, um risco sempre presente \u00e9 o de sofrer processos judiciais, especialmente quando esses erros prejudicam terceiros.<\/p><p>Preju\u00edzos financeiros decorrentes de indeniza\u00e7\u00f5es e multas<\/p><p>Ainda relacionado a processos judiciais, eles podem gerar grandes preju\u00edzos financeiros pela obriga\u00e7\u00e3o de pagamento de indeniza\u00e7\u00f5es e multas, o que pode ser especialmente grave para profissionais liberais ou empresas de pequeno porte.<\/p><p>Fonte: AIG<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1034\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1034\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Como amenizar os riscos ambientais nas empresas?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1034\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1034\"><p>Quest\u00f5es ambientais nem sempre est\u00e3o na pauta das prioridades das ind\u00fastrias ou outros estabelecimentos comerciais porque, muitas vezes, existe uma tend\u00eancia a se pensar que \u00e9 um assunto restrito ou relevante para segmentos mais expostos, como qu\u00edmico ou minera\u00e7\u00e3o, por exemplo. Entretanto, praticamente todos os setores da economia podem estar sujeitos a riscos. Al\u00e9m das quest\u00f5es legais e regulat\u00f3rias, cada vez mais, a postura adotada diante de quest\u00f5es ambientais \u00e9 avaliada pela opini\u00e3o p\u00fablica, o que reflete em sua reputa\u00e7\u00e3o e na sa\u00fade dos neg\u00f3cios. \u201cAssuntos ambientais estar\u00e3o sempre em pauta e \u00e9 dif\u00edcil mensurar o dano que uma falha operacional pode causar a uma empresa ou com\u00e9rcio\u201d, avalia M\u00f4nica Machado, especialista em Seguros Ambientais da AIG.<\/p><p>A maior parte dos sinistros neste caso, segundo M\u00f4nica, est\u00e1 relacionada a vazamentos. \u201cIsso se repete em uma s\u00e9rie de segmentos, da ind\u00fastria qu\u00edmica\/ petroqu\u00edmica e de latic\u00ednios a hot\u00e9is, shoppings, hospitais ou oficinas mec\u00e2nicas. A verdade \u00e9 que a maioria das ind\u00fastrias e estabelecimentos comerciais tem algum tipo de armazenamento ou processo que pode ocasionar sinistros\u201d, destaca.<\/p><p>L\u00edquidos se infiltram no solo e a chance de atingirem len\u00e7\u00f3is fre\u00e1ticos e, consequentemente, c\u00f3rregos ou rios, \u00e9 grande. A contamina\u00e7\u00e3o pode ser causada por produtos qu\u00edmicos armazenados em tanques ligados por dutos \u2013 que quando enterrados podem mascarar um vazamento e um problema maior e mais s\u00e9rio -, por outros l\u00edquidos gerados em processos industriais, os chamados efluentes, e at\u00e9 por aqueles que, de forma aparente, nada ocasionariam, como leite e suco de laranja. \u201cCada neg\u00f3cio tem uma especificidade, mas todos os produtos, mesmos os n\u00e3o perigosos, podem, em caso de vazamento ou descarte acidental inadequado, comprometer a qualidade do solo e da \u00e1gua e, por sua vez, o dia a dia de comunidades pr\u00f3ximas, o que pode gerar diversos processos judiciais e prejudicar a sa\u00fade financeira da empresa\u201d, alerta a especialista.<\/p><p>Assim, listamos abaixo cinco pontos de aten\u00e7\u00e3o aos quais todo empres\u00e1rio deve se ater para que acidentes n\u00e3o ocorram ou, se acontecerem, sejam amenizados e n\u00e3o comprometam suas atividades:<\/p><p>Manuten\u00e7\u00e3o e inspe\u00e7\u00f5es peri\u00f3dicas em tanques e dutos, principalmente das ind\u00fastrias que lidam com materiais qu\u00edmicos. Podem surgir fissuras nas estruturas , da\u00ed a recomenda\u00e7\u00e3o de revis\u00f5es peri\u00f3dicas. Os tanques devem ter diques de conten\u00e7\u00e3o, canaletas de drenagem e encaminhamento da subst\u00e2ncia vazada.<\/p><p>Implanta\u00e7\u00e3o de sistemas de gest\u00e3o de res\u00edduos que englobem estocagem, transporte e destina\u00e7\u00e3o final.<\/p><p>\u00c9 imprescind\u00edvel que seja feita a impermeabiliza\u00e7\u00e3o dos locais de armazenamento, disposi\u00e7\u00e3o \u2013 ainda que tempor\u00e1ria \u2013 e dos locais onde caminh\u00f5es carregam ou descarregam produtos e res\u00edduos. Se houver algum vazamento, ele ser\u00e1 amenizado.<\/p><p>Para empresas com muitos tanques e alto volume armazenado, \u00e9 uma boa pr\u00e1tica monitorar periodicamente o solo e len\u00e7ol fre\u00e1tico.<\/p><p>Seja qual for a emiss\u00e3o gerada na empresa, deve ser monitorada, para que nada saia do padr\u00e3o estabelecido por lei.<\/p><p>\u201cSe houver controle desses itens, a detec\u00e7\u00e3o do vazamento ser\u00e1 mais r\u00e1pida e, consequentemente, as chances de uma contamina\u00e7\u00e3o cr\u00edtica s\u00e3o minimizadas\u201d, recomenda M\u00f4nica.<\/p><p>Fonte: AIG<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1035\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1035\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Seguro Cibern\u00e9tico: O que \u00e9 e como se proteger desses riscos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1035\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1035\"><p>Atualmente, qualquer empresa depende da tecnologia para gerenciar seus neg\u00f3cios e informa\u00e7\u00f5es. Praticamente todas as organiza\u00e7\u00f5es, independentemente do porte ou setor de atua\u00e7\u00e3o, trabalham com dados pessoais e corporativos, como n\u00famero de cart\u00e3o de cr\u00e9dito, identidade, endere\u00e7o, registros m\u00e9dicos, passaporte, lista de clientes, or\u00e7amento, planos de neg\u00f3cios e de marketing, etc. O armazenamento de tantos dados traz muitos riscos, inclusive, cibern\u00e9ticos. Mas, afinal:<\/p><p>O que s\u00e3o riscos cibern\u00e9ticos?<\/p><p>Os riscos cibern\u00e9ticos est\u00e3o ligados a qualquer tipo de ataque criminoso feito em ambientes virtuais, seja em busca de dinheiro, dados pessoais, ou at\u00e9 mesmo para realizar extors\u00e3o virtual (conhecida como ransomware), quando o invasor bloqueia o acesso do usu\u00e1rio aos seus arquivos ou ao dispositivo, exigindo um pagamento online an\u00f4nimo para que seja restaurado.<\/p><p>Pode-se dizer que os dados s\u00e3o um patrim\u00f4nio da empresa. Em muitos casos, eles s\u00e3o at\u00e9 mais importantes do que o pr\u00f3prio patrim\u00f4nio f\u00edsico da companhia. Por isso, a prote\u00e7\u00e3o desses dados \u00e9 fundamental. Afinal, qualquer tipo de informa\u00e7\u00e3o, seja financeira ou administrativa, \u00e9 um alvo potencial ao crime cibern\u00e9tico.<\/p><p>Embora a preven\u00e7\u00e3o seja sempre a melhor op\u00e7\u00e3o, as organiza\u00e7\u00f5es devem se preparar para o fato de que \u00e9 praticamente imposs\u00edvel ter sistemas totalmente seguros. Por mais preparada que a empresa esteja, o risco de uma invas\u00e3o cibern\u00e9tica sempre vai existir. Por isso, \u00e9 fundamental ter a prote\u00e7\u00e3o de um seguro especializado.<\/p><p>O que \u00e9 o Seguro Cibern\u00e9tico?<\/p><p>O Seguro Cibern\u00e9tico \u00e9 um protecional adicional \u00e0s empresas, uma ap\u00f3lice que visa amparar perdas financeiras decorrentes de ataques virtuais maliciosos, ou mesmo de incidentes decorrentes de erros ou neglig\u00eancias causados internamente na companhia, que resultem em vazamento de dados e outros danos ligados ao sigilo da informa\u00e7\u00e3o.<\/p><p>Esse seguro, que chegou ao Brasil em 2012 pela AIG, traz uma tranquilidade maior para a empresa em caso de incidentes desse tipo.<\/p><p>\u00c9 importante ressaltar que companhias com ambiente cibern\u00e9tico seguro t\u00eam mais facilidade para contratar o seguro, que agir\u00e1 como \u00faltima linha de defesa para a prote\u00e7\u00e3o financeira da empresa.<\/p><p>A AIG \u00e9 pioneira no mundo em solu\u00e7\u00f5es de seguros para minimizar o impacto de ataques cibern\u00e9ticos em empresas e oferece como diferencial um pacote de a\u00e7\u00f5es para identifica\u00e7\u00e3o pr\u00e9via de vulnerabilidades e implementa\u00e7\u00e3o de mediadas de seguran\u00e7a para as empresas, como o Canal de Primeira Resposta a ataques cibern\u00e9ticos operado pela Deloitte, criado para reportar incidentes cibern\u00e9ticos emergenciais.<\/p><p>Fonte: AIG<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1036\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1036\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quais s\u00e3o as coberturas do Seguro de Riscos Cibern\u00e9ticos?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1036\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1036\"><p>O Seguro de Riscos Cibern\u00e9ticos oferece ampla cobertura em casos de vazamento de dados de empresas, impacto a terceiros e contempla pagamento de multas para situa\u00e7\u00f5es em que penalidades s\u00e3o aplic\u00e1veis, a exemplo de cl\u00e1usulas da Lei Geral de Prote\u00e7\u00e3o de Dados (LGPD). Veja quais s\u00e3o as coberturas:<\/p><p>Responsabilidade por Dados Pessoais e Corporativos<\/p><p>A divulga\u00e7\u00e3o p\u00fablica de dados privados que est\u00e3o sob cust\u00f3dia da sociedade e a divulga\u00e7\u00e3o p\u00fablica de dados corporativos de um terceiro (or\u00e7amentos, listas de clientes, planos de marketing, etc.) ou informa\u00e7\u00f5es profissionais de um terceiro que estejam sob cust\u00f3dia da sociedade e sejam confidenciais.<\/p><p>Responsabilidade pela Seguran\u00e7a de Dados<\/p><p>Contamina\u00e7\u00e3o de dados de terceiro por software n\u00e3o autorizado ou c\u00f3digo malicioso (v\u00edrus); nega\u00e7\u00e3o de acesso inadequada para o acesso de um terceiro autorizado aos dados; roubo ou furto de c\u00f3digo de acesso nas instala\u00e7\u00f5es da sociedade ou via sistema de computador; destrui\u00e7\u00e3o, modifica\u00e7\u00e3o, corrup\u00e7\u00e3o e elimina\u00e7\u00e3o de dados armazenados em qualquer sistema de computador; roubo ou furto f\u00edsico de hardware da empresa por um terceiro; divulga\u00e7\u00e3o de dados devido a uma viola\u00e7\u00e3o de seguran\u00e7a de dados.<\/p><p>Responsabilidade por Empresas Terceirizadas<\/p><p>Viola\u00e7\u00e3o de informa\u00e7\u00e3o pessoal que resulte em uma reclama\u00e7\u00e3o contra uma empresa terceirizada pelo processamento ou coleta de dados pessoais em nome da sociedade e pelos quais a sociedade \u00e9 respons\u00e1vel.<\/p><p>Custos de Defesa<\/p><p>Honor\u00e1rios e custas judiciais incorridos exclusivamente da defesa ou recurso de um procedimento civil, regulat\u00f3rio, administrativo ou criminal.<\/p><p>Investiga\u00e7\u00e3o<\/p><p>Os honor\u00e1rios, custos e gastos razo\u00e1veis que o segurado incorra para o assessoramento legal e a representa\u00e7\u00e3o relacionados a uma investiga\u00e7\u00e3o.<\/p><p>San\u00e7\u00f5es Administrativas<\/p><p>As san\u00e7\u00f5es administrativas que a sociedade seja obrigada a pagar relacionadas a uma investiga\u00e7\u00e3o.<\/p><p>Restitui\u00e7\u00e3o de Imagem da Sociedade e Pessoal<\/p><p>Custos e despesas para mitigar os danos \u00e0 reputa\u00e7\u00e3o em consequ\u00eancia de uma reclama\u00e7\u00e3o coberta pelo seguro.<\/p><p>Notifica\u00e7\u00e3o e Monitoramento<\/p><p>Custos para a notifica\u00e7\u00e3o de uma viola\u00e7\u00e3o de dados aos usu\u00e1rios.<\/p><p>Dados Eletr\u00f4nicos<\/p><p>No caso de uma \u2018\u2019Viola\u00e7\u00e3o de Dados de Seguran\u00e7a\u2019\u2019, est\u00e3o cobertos os custos para determinar se os dados eletr\u00f4nicos podem ser ou n\u00e3o restaurados, restabelecidos ou recriados, e os custos para restaurar, restabelecer ou recriar tais dados, quando poss\u00edvel.<\/p><p>Fonte: AIG<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1037\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1037\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Seguro de Cr\u00e9dito<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1037\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1037\"><p data-start=\"0\" data-end=\"238\"><strong data-start=\"0\" data-end=\"35\">1. O que \u00e9 o seguro de cr\u00e9dito?<\/strong><br data-start=\"35\" data-end=\"38\" \/>O seguro de cr\u00e9dito \u00e9 um instrumento que protege empresas contra perdas financeiras decorrentes do n\u00e3o pagamento de vendas a prazo realizadas a clientes pessoa jur\u00eddica, no mercado interno ou externo.<\/p><p data-start=\"240\" data-end=\"512\"><strong data-start=\"240\" data-end=\"273\">2. Quais riscos s\u00e3o cobertos?<\/strong><br data-start=\"273\" data-end=\"276\" \/>De forma geral, o seguro cobre:<br data-start=\"307\" data-end=\"310\" \/>Inadimpl\u00eancia prolongada (mora)<br data-start=\"341\" data-end=\"344\" \/>Insolv\u00eancia do comprador (fal\u00eancia, recupera\u00e7\u00e3o judicial)<br data-start=\"401\" data-end=\"404\" \/>Riscos pol\u00edticos (em opera\u00e7\u00f5es de exporta\u00e7\u00e3o)<br data-start=\"449\" data-end=\"452\" \/>As coberturas espec\u00edficas dependem das condi\u00e7\u00f5es da ap\u00f3lice.<\/p><p data-start=\"514\" data-end=\"731\"><strong data-start=\"514\" data-end=\"561\">3. Quem pode contratar esse tipo de seguro?<\/strong><br data-start=\"561\" data-end=\"564\" \/>Empresas que realizam vendas a prazo para outras empresas (B2B), independentemente do porte, desde que possuam uma carteira de clientes pass\u00edvel de an\u00e1lise de cr\u00e9dito.<\/p><p data-start=\"733\" data-end=\"962\"><strong data-start=\"733\" data-end=\"789\">4. O seguro cobre todos os clientes automaticamente?<\/strong><br data-start=\"789\" data-end=\"792\" \/>N\u00e3o.<br data-start=\"796\" data-end=\"799\" \/>A seguradora estabelece limites de cr\u00e9dito por comprador, com base em an\u00e1lise financeira e de risco. Apenas vendas realizadas dentro desses limites est\u00e3o cobertas.<\/p><p data-start=\"964\" data-end=\"1151\"><strong data-start=\"964\" data-end=\"1000\">5. O que s\u00e3o limites de cr\u00e9dito?<\/strong><br data-start=\"1000\" data-end=\"1003\" \/>S\u00e3o valores m\u00e1ximos aprovados pela seguradora para cada comprador, indicando at\u00e9 quanto as vendas a prazo estar\u00e3o cobertas em caso de inadimpl\u00eancia.<\/p><p data-start=\"1153\" data-end=\"1342\"><strong data-start=\"1153\" data-end=\"1218\">6. O que ocorre se a empresa vender acima do limite aprovado?<\/strong><br data-start=\"1218\" data-end=\"1221\" \/>O valor excedente ao limite de cr\u00e9dito n\u00e3o estar\u00e1 coberto pela ap\u00f3lice, salvo se houver autoriza\u00e7\u00e3o pr\u00e9via da seguradora.<\/p><p data-start=\"1344\" data-end=\"1634\"><strong data-start=\"1344\" data-end=\"1388\">7. Existe franquia no seguro de cr\u00e9dito?<\/strong><br data-start=\"1388\" data-end=\"1391\" \/>N\u00e3o no sentido tradicional.<br data-start=\"1418\" data-end=\"1421\" \/>O que existe \u00e9 a participa\u00e7\u00e3o obrigat\u00f3ria do segurado, que representa a parcela do preju\u00edzo que permanece sob responsabilidade da empresa.<br data-start=\"1559\" data-end=\"1562\" \/>Essa participa\u00e7\u00e3o costuma ser de 10%, podendo variar conforme a ap\u00f3lice.<\/p><p data-start=\"1636\" data-end=\"1761\"><strong data-start=\"1636\" data-end=\"1678\">8. Qual \u00e9 o percentual de indeniza\u00e7\u00e3o?<\/strong><br data-start=\"1678\" data-end=\"1681\" \/>Normalmente 90% do valor da perda coberta, dependendo das condi\u00e7\u00f5es contratuais.<\/p><p data-start=\"1763\" data-end=\"2053\"><strong data-start=\"1763\" data-end=\"1806\">9. Como \u00e9 calculado o pr\u00eamio do seguro?<\/strong><br data-start=\"1806\" data-end=\"1809\" \/>O pr\u00eamio geralmente \u00e9 calculado como um percentual sobre o faturamento segurado ou sobre as vendas declaradas, considerando fatores como:<br data-start=\"1946\" data-end=\"1949\" \/>Setor de atua\u00e7\u00e3o<br data-start=\"1965\" data-end=\"1968\" \/>Perfil da carteira de clientes<br data-start=\"1998\" data-end=\"2001\" \/>Hist\u00f3rico de inadimpl\u00eancia<br data-start=\"2027\" data-end=\"2030\" \/>Prazo m\u00e9dio de vendas<\/p><p data-start=\"2055\" data-end=\"2280\"><strong data-start=\"2055\" data-end=\"2114\">10. O seguro substitui a an\u00e1lise de cr\u00e9dito da empresa?<\/strong><br data-start=\"2114\" data-end=\"2117\" \/>N\u00e3o.<br data-start=\"2121\" data-end=\"2124\" \/>Ele atua como um complemento \u00e0 pol\u00edtica de cr\u00e9dito, oferecendo informa\u00e7\u00f5es adicionais e cobertura de risco, mas n\u00e3o elimina a necessidade de gest\u00e3o interna.<\/p><p data-start=\"2282\" data-end=\"2508\"><strong data-start=\"2282\" data-end=\"2353\">11. O seguro pode ser utilizado como ferramenta de gest\u00e3o de risco?<\/strong><br data-start=\"2353\" data-end=\"2356\" \/>Sim.<br data-start=\"2360\" data-end=\"2363\" \/>Al\u00e9m da cobertura, o seguro envolve:<br data-start=\"2399\" data-end=\"2402\" \/>Monitoramento cont\u00ednuo dos compradores<br data-start=\"2440\" data-end=\"2443\" \/>Revis\u00e3o de limites de cr\u00e9dito<br data-start=\"2472\" data-end=\"2475\" \/>Acesso a informa\u00e7\u00f5es de mercado<\/p><p data-start=\"2510\" data-end=\"2729\"><strong data-start=\"2510\" data-end=\"2557\">12. O seguro cobre opera\u00e7\u00f5es de exporta\u00e7\u00e3o?<\/strong><br data-start=\"2557\" data-end=\"2560\" \/>Sim.<br data-start=\"2564\" data-end=\"2567\" \/>Nesse caso, pode incluir riscos adicionais, como:<br data-start=\"2616\" data-end=\"2619\" \/>Restri\u00e7\u00e3o de transfer\u00eancia de divisas<br data-start=\"2656\" data-end=\"2659\" \/>Instabilidade pol\u00edtica<br data-start=\"2681\" data-end=\"2684\" \/>Medidas governamentais no pa\u00eds do comprador<\/p><p data-start=\"2731\" data-end=\"2928\"><strong data-start=\"2731\" data-end=\"2784\">13. Qual o prazo para caracteriza\u00e7\u00e3o do sinistro?<\/strong><br data-start=\"2784\" data-end=\"2787\" \/>Depende da ap\u00f3lice, mas geralmente ocorre ap\u00f3s um per\u00edodo de inadimpl\u00eancia prolongada, que pode variar entre 60 e 180 dias ap\u00f3s o vencimento.<\/p><p data-start=\"2930\" data-end=\"3167\"><strong data-start=\"2930\" data-end=\"2978\">14. Como funciona o processo de indeniza\u00e7\u00e3o?<\/strong><br data-start=\"2978\" data-end=\"2981\" \/>De forma geral:<br data-start=\"2996\" data-end=\"2999\" \/>Comunica\u00e7\u00e3o do atraso \u00e0 seguradora<br data-start=\"3033\" data-end=\"3036\" \/>Acompanhamento da cobran\u00e7a<br data-start=\"3062\" data-end=\"3065\" \/>Caracteriza\u00e7\u00e3o do sinistro conforme contrato<br data-start=\"3109\" data-end=\"3112\" \/>Pagamento da indeniza\u00e7\u00e3o dentro do prazo estabelecido<\/p><p data-start=\"3169\" data-end=\"3358\"><strong data-start=\"3169\" data-end=\"3216\">15. O seguro cobre qualquer tipo de atraso?<\/strong><br data-start=\"3216\" data-end=\"3219\" \/>N\u00e3o necessariamente.<br data-start=\"3239\" data-end=\"3242\" \/>As condi\u00e7\u00f5es variam, mas normalmente a cobertura est\u00e1 vinculada a:<br data-start=\"3308\" data-end=\"3311\" \/>Inadimpl\u00eancia prolongada<br data-start=\"3335\" data-end=\"3338\" \/>Insolv\u00eancia formal<\/p><p data-start=\"3360\" data-end=\"3589\"><strong data-start=\"3360\" data-end=\"3424\">16. \u00c9 poss\u00edvel segurar apenas parte da carteira de clientes?<\/strong><br data-start=\"3424\" data-end=\"3427\" \/>Sim.<br data-start=\"3431\" data-end=\"3434\" \/>Existem diferentes estruturas de ap\u00f3lice, como:<br data-start=\"3481\" data-end=\"3484\" \/>Cobertura da carteira total<br data-start=\"3511\" data-end=\"3514\" \/>Cobertura de clientes selecionados<br data-start=\"3548\" data-end=\"3551\" \/>Cobertura para opera\u00e7\u00f5es espec\u00edficas<\/p><p data-start=\"3591\" data-end=\"3774\"><strong data-start=\"3591\" data-end=\"3641\">17. Quanto tempo leva para contratar o seguro?<\/strong><br data-start=\"3641\" data-end=\"3644\" \/>O prazo m\u00e9dio varia entre duas a quatro semanas, dependendo da complexidade da opera\u00e7\u00e3o e da qualidade das informa\u00e7\u00f5es fornecidas.<\/p><p data-start=\"3776\" data-end=\"3983\"><strong data-start=\"3776\" data-end=\"3831\">18. Quais informa\u00e7\u00f5es s\u00e3o necess\u00e1rias para cota\u00e7\u00e3o?<\/strong><br data-start=\"3831\" data-end=\"3834\" \/>Normalmente:<br data-start=\"3846\" data-end=\"3849\" \/>Faturamento da empresa<br data-start=\"3871\" data-end=\"3874\" \/>Distribui\u00e7\u00e3o da carteira de clientes<br data-start=\"3910\" data-end=\"3913\" \/>Hist\u00f3rico de perdas<br data-start=\"3932\" data-end=\"3935\" \/>Condi\u00e7\u00f5es de venda (prazo, concentra\u00e7\u00e3o, etc.)<\/p><p data-start=\"3985\" data-end=\"4166\"><strong data-start=\"3985\" data-end=\"4029\">19. O seguro cobre vendas j\u00e1 realizadas?<\/strong><br data-start=\"4029\" data-end=\"4032\" \/>Em regra, n\u00e3o.<br data-start=\"4046\" data-end=\"4049\" \/>A cobertura se aplica a vendas realizadas ap\u00f3s o in\u00edcio da vig\u00eancia da ap\u00f3lice, respeitando as condi\u00e7\u00f5es contratuais.<\/p><p data-start=\"4168\" data-end=\"4373\"><strong data-start=\"4168\" data-end=\"4219\">20. Empresas de qualquer porte podem contratar?<\/strong><br data-start=\"4219\" data-end=\"4222\" \/>Sim, desde que atendam aos crit\u00e9rios m\u00ednimos de an\u00e1lise da seguradora, especialmente em rela\u00e7\u00e3o \u00e0 organiza\u00e7\u00e3o financeira e volume de opera\u00e7\u00f5es a prazo.<\/p><p data-start=\"4375\" data-end=\"4515\"><strong data-start=\"4375\" data-end=\"4429\">21. Quais s\u00e3o os principais players desse mercado?<\/strong><br data-start=\"4429\" data-end=\"4432\" \/>Entre os principais operadores globais est\u00e3o:<br data-start=\"4477\" data-end=\"4480\" \/>Allianz Trade<br data-start=\"4493\" data-end=\"4496\" \/>Coface<br data-start=\"4502\" data-end=\"4505\" \/>Atradius<\/p><p data-start=\"4517\" data-end=\"4749\"><strong data-start=\"4517\" data-end=\"4564\">22. O seguro garante que n\u00e3o haver\u00e1 perdas?<\/strong><br data-start=\"4564\" data-end=\"4567\" \/>N\u00e3o.<br data-start=\"4571\" data-end=\"4574\" \/>Ele reduz o impacto financeiro das perdas, mas n\u00e3o elimina completamente o risco, principalmente por conta da participa\u00e7\u00e3o obrigat\u00f3ria do segurado e das condi\u00e7\u00f5es contratuais.<\/p><p data-start=\"4751\" data-end=\"4920\"><strong data-start=\"4751\" data-end=\"4790\">23. O seguro cobre apenas fal\u00eancia?<\/strong><br data-start=\"4790\" data-end=\"4793\" \/>N\u00e3o.<br data-start=\"4797\" data-end=\"4800\" \/>A cobertura normalmente inclui tamb\u00e9m situa\u00e7\u00f5es de inadimpl\u00eancia prolongada, mesmo sem decreta\u00e7\u00e3o formal de insolv\u00eancia.<\/p><p data-start=\"4922\" data-end=\"5139\"><strong data-start=\"4922\" data-end=\"4977\">24. O contrato pode ser ajustado ao longo do tempo?<\/strong><br data-start=\"4977\" data-end=\"4980\" \/>Sim.<br data-start=\"4984\" data-end=\"4987\" \/>Limites de cr\u00e9dito, condi\u00e7\u00f5es e cobertura podem ser revisados conforme:<br data-start=\"5058\" data-end=\"5061\" \/>Mudan\u00e7as na carteira<br data-start=\"5081\" data-end=\"5084\" \/>Evolu\u00e7\u00e3o do risco dos compradores<br data-start=\"5117\" data-end=\"5120\" \/>Cen\u00e1rio econ\u00f4mico<\/p><p data-start=\"5141\" data-end=\"5262\" data-is-last-node=\"\" data-is-only-node=\"\"><strong data-start=\"5141\" data-end=\"5183\">25. O seguro de cr\u00e9dito \u00e9 obrigat\u00f3rio?<\/strong><br data-start=\"5183\" data-end=\"5186\" \/>N\u00e3o.<br data-start=\"5190\" data-end=\"5193\" \/>Trata-se de uma ferramenta facultativa de gest\u00e3o de risco financeiro.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Cada cliente \u00e9 \u00fanico. Seu seguro tamb\u00e9m! Tire suas d\u00favidas agora mesmo, sem compromisso, e agende uma reuni\u00e3o. Fale com um especialista e receba a solu\u00e7\u00e3o ideal para o seu seguro. (11) 2657-7712 contato@duastorresseguros.com.br &#8220;A\u00a0Duas Torres est\u00e1 localizada no 24\u00ba andar da Torre B do condom\u00ednio\u00a0EZ Towers, complexo corporativo\u00a0Triple A\u00a0e refer\u00eancia em excel\u00eancia e sofistica\u00e7\u00e3o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-262","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/pages\/262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/comments?post=262"}],"version-history":[{"count":347,"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/pages\/262\/revisions"}],"predecessor-version":[{"id":3962,"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/pages\/262\/revisions\/3962"}],"wp:attachment":[{"href":"http:\/\/duastorresseguros.com.br\/index.php\/wp-json\/wp\/v2\/media?parent=262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}