{"id":15635,"date":"2025-11-18T09:38:47","date_gmt":"2025-11-18T12:38:47","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=15635"},"modified":"2025-12-02T10:37:19","modified_gmt":"2025-12-02T13:37:19","slug":"lei-do-contrato-de-seguro-empresas","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/lei-do-contrato-de-seguro-empresas\/","title":{"rendered":"Lei do Contrato de Seguro entra em vigor em dezembro: o que muda para as empresas"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">A Lei n\u00ba 15.040\/2024, conhecida como <\/span><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2023-2026\/2024\/lei\/l15040.htm\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Marco Legal dos Seguros ou Lei do Contrato de Seguro<\/span><\/a><span data-contrast=\"auto\">, entra em vigor em 9 de dezembro de 2025 e estabelece um novo padr\u00e3o regulat\u00f3rio para o setor.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A norma moderniza as rela\u00e7\u00f5es entre seguradoras e contratantes, com impacto direto em empresas que dependem de <\/span><a href=\"https:\/\/acrisure.com.br\/riscos-corporativos\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">seguros patrimoniais, operacionais e de responsabilidade civil<\/span><\/a><span data-contrast=\"auto\"> para proteger ativos estrat\u00e9gicos e mitigar riscos financeiros.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">At\u00e9 ent\u00e3o, os contratos de seguro eram regidos principalmente por dispositivos do C\u00f3digo Civil, o que gerava <\/span><b><span data-contrast=\"auto\">brechas interpretativas e pouca padroniza\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\"> entre produtos e pr\u00e1ticas de mercado.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Com o novo marco, o setor passa a operar com <\/span><b><span data-contrast=\"auto\">regras espec\u00edficas e mais detalhadas<\/span><\/b><span data-contrast=\"auto\">, que fortalecem a transpar\u00eancia e a seguran\u00e7a jur\u00eddica. Entre os avan\u00e7os, est\u00e3o a defini\u00e7\u00e3o clara de <\/span><b><span data-contrast=\"auto\">direitos e deveres das partes, a padroniza\u00e7\u00e3o de procedimentos operacionais, prazos mais objetivos e mecanismos formais para troca de informa\u00e7\u00f5es<\/span><\/b><span data-contrast=\"auto\"> entre seguradoras e segurados.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Transpar\u00eancia e dever de informa\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Um dos pilares da Lei do Contrato de Seguro \u00e9 o refor\u00e7o do <\/span><b><span data-contrast=\"auto\">dever de transpar\u00eancia<\/span><\/b><span data-contrast=\"auto\">. As seguradoras passam a ter obriga\u00e7\u00e3o expressa de fornecer, de forma clara e objetiva:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">riscos cobertos e riscos exclu\u00eddos;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">crit\u00e9rios de an\u00e1lise e aceita\u00e7\u00e3o de risco;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">per\u00edodos de car\u00eancia e limites de indeniza\u00e7\u00e3o;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">fatores que podem gerar perda parcial ou total da cobertura.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Para os contratantes, a norma reduz ambiguidades que historicamente geravam lit\u00edgios, principalmente em seguros de inc\u00eandio, responsabilidade civil, riscos operacionais e garantia.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">Regras mais claras para sinistros<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A nova legisla\u00e7\u00e3o tamb\u00e9m estabelece prazos objetivos para cada etapa do processo de sinistro, trazendo mais previsibilidade aos segurados:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">An\u00e1lise inicial:<\/span><\/b><span data-contrast=\"auto\"> at\u00e9 <\/span><b><span data-contrast=\"auto\">15 dias corridos<\/span><\/b><span data-contrast=\"auto\"> ap\u00f3s a comunica\u00e7\u00e3o do sinistro;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pedido de documentos complementares:<\/span><\/b><span data-contrast=\"auto\"> apenas <\/span><b><span data-contrast=\"auto\">1 vez<\/span><\/b><span data-contrast=\"auto\">, em at\u00e9 <\/span><b><span data-contrast=\"auto\">15 dias;<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Pagamento da indeniza\u00e7\u00e3o:<\/span><\/b><span data-contrast=\"auto\"> at\u00e9 <\/span><b><span data-contrast=\"auto\">30 dias corridos<\/span><\/b><span data-contrast=\"auto\"> ap\u00f3s entrega da documenta\u00e7\u00e3o completa;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Adiantamento de valores parciais:<\/span><\/b><span data-contrast=\"auto\"> at\u00e9 <\/span><b><span data-contrast=\"auto\">30 dias<\/span><\/b><span data-contrast=\"auto\"> ap\u00f3s apura\u00e7\u00e3o do valor provis\u00f3rio;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Em seguros complexos, a susep pode ampliar o prazo total para regula\u00e7\u00e3o at\u00e9 <\/span><b><span data-contrast=\"auto\">120 dias.<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Antes, a aus\u00eancia de prazos claros gerava inseguran\u00e7a, especialmente em <a href=\"https:\/\/acrisure.com.br\/insights\/gestao-de-sinistro-protecao\/\" target=\"_blank\" rel=\"noopener\">sinistros complexos<\/a>, como perdas de maquin\u00e1rio, interrup\u00e7\u00e3o de neg\u00f3cios e danos estruturais.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Com a Lei n\u00ba 15.040\/2024, o descumprimento desses prazos passa a gerar <\/span><b><span data-contrast=\"auto\">responsabilidade direta da seguradora<\/span><\/b><span data-contrast=\"auto\">, fortalecendo a prote\u00e7\u00e3o ao consumidor e reduzindo a margem para atrasos injustificados.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">Leia tamb\u00e9m:\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/riscos-de-terceiros\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Gest\u00e3o de Riscos de Terceiros para proteger a sua empresa<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/shopping-25-areas-de-alto-risco\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Shopping 25: seguros e as \u00e1reas de alto risco<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/valor-em-risco-seguro-patrimonial\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">A import\u00e2ncia do Valor em Risco no Seguro Patrimonial<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Boa-f\u00e9 e comportamento das partes<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Outro ponto central da Lei do Contrato de Seguro \u00e9 a regulamenta\u00e7\u00e3o do <\/span><b><span data-contrast=\"auto\">dever de boa-f\u00e9 objetiva<\/span><\/b><span data-contrast=\"auto\">, agora tratado de forma sim\u00e9trica. Isto \u00e9, tanto segurados quanto seguradoras ter\u00e3o responsabilidades expl\u00edcitas, como:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">informar <\/span><b><span data-contrast=\"auto\">imediatamente<\/span><\/b><span data-contrast=\"auto\"> qualquer<\/span><b><span data-contrast=\"auto\"> agravamento<\/span><\/b><span data-contrast=\"auto\"> relevante do risco;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">tomar medidas razo\u00e1veis para <\/span><b><span data-contrast=\"auto\">mitigar danos <\/span><\/b><span data-contrast=\"auto\">no sinistro;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">prestar informa\u00e7\u00f5es<\/span><\/b><span data-contrast=\"auto\"> solicitadas pela seguradora.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A previs\u00e3o de deveres equilibrados tende a reduzir discuss\u00f5es sobre nulidade ou perda de direitos durante sinistros.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Impacto na gest\u00e3o de risco empresarial<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Para as empresas, a nova lei exige uma reavalia\u00e7\u00e3o interna dos processos de contrata\u00e7\u00e3o e manuten\u00e7\u00e3o de <a href=\"https:\/\/acrisure.com.br\/insights\/category\/seguros\/\" target=\"_blank\" rel=\"noopener\">seguros<\/a>. Departamentos de <\/span><i><span data-contrast=\"auto\">compliance<\/span><\/i><span data-contrast=\"auto\">, jur\u00eddico e gest\u00e3o de risco ter\u00e3o papel ampliado na:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">revis\u00e3o de ap\u00f3lices antigas;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">adequa\u00e7\u00e3o a novas exig\u00eancias documentais;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">implementa\u00e7\u00e3o de controles internos de risco;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">reorganiza\u00e7\u00e3o de registros para eventuais sinistros.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">A expectativa \u00e9 que, com regras mais claras, o seguro <\/span><a href=\"https:\/\/acrisure.com.br\/insights\/category\/riscos-patrimoniais\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">patrimonial<\/span><\/a><span data-contrast=\"auto\"> e operacional se torne um instrumento mais confi\u00e1vel para planejamento financeiro e continuidade de neg\u00f3cios.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Lei n\u00ba 15.040\/2024, conhecida como Marco Legal dos Seguros ou Lei do Contrato de Seguro, entra em vigor em 9 de dezembro de 2025 e estabelece um novo padr\u00e3o regulat\u00f3rio para o setor.\u00a0<\/p>\n<p>A norma moderniza as rela\u00e7\u00f5es entre seguradoras e contratantes, com impacto direto em empresas que dependem de seguros patrimoniais, operacionais e de responsabilidade civil para proteger ativos estrat\u00e9gicos e mitigar riscos financeiros.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":15697,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[39],"tags":[19],"class_list":["post-15635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros","tag-gestao-de-riscos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lei do Contrato de Seguro entra em vigor em dezembro de 2025<\/title>\n<meta name=\"description\" content=\"A Lei do Contrato de Seguro, conhecida como Marco dos Seguros, entrar\u00e1 em vigor em dezembro, estabelecendo um novo padr\u00e3o regulat\u00f3rio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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