{"id":16201,"date":"2025-12-04T10:58:51","date_gmt":"2025-12-04T13:58:51","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=16201"},"modified":"2025-12-04T10:58:55","modified_gmt":"2025-12-04T13:58:55","slug":"mercado-resseguros-seguro-garantia","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/mercado-resseguros-seguro-garantia\/","title":{"rendered":"Mercado de resseguros pressiona precifica\u00e7\u00e3o do seguro garantia"},"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>O encarecimento do resseguro internacional e a menor disposi\u00e7\u00e3o de grandes players globais em assumir riscos no Brasil t\u00eam pressionado \u2014 de forma direta \u2014 a precifica\u00e7\u00e3o do seguro garantia.<\/p>\n<p>Seguradoras enfrentam custos mais altos na renova\u00e7\u00e3o de contratos e limites mais restritos, o que resulta em taxas maiores e processos de an\u00e1lise mais rigorosos para empresas que dependem da cobertura.<\/p>\n<p>Em 2024, o movimento ganhou for\u00e7a: foram desembolsados <strong>R$ 26 bilh\u00f5es<\/strong> em resseguros no pa\u00eds, alta de <strong>4,4%<\/strong> sobre o ano anterior, segundo dados divulgados pela <em>Veja<\/em>.<\/p>\n<h2>Press\u00e3o internacional altera a precifica\u00e7\u00e3o no Brasil<\/h2>\n<p>Desde 2023, resseguradores v\u00eam revisando posi\u00e7\u00f5es em mercados emergentes, reduzindo capacidade e aumentando o valor das renova\u00e7\u00f5es.<\/p>\n<p>O Brasil \u2014 pela combina\u00e7\u00e3o de alta demanda, projetos de longo prazo e ambiente jur\u00eddico complexo \u2014 passou a receber aten\u00e7\u00e3o especial.<\/p>\n<p>O efeito aparece primeiro no pre\u00e7o:<\/p>\n<ul>\n<li>contratos proporcionais ficaram mais caros;<\/li>\n<li>prote\u00e7\u00f5es de excesso de perdas tiveram aumento relevante;<\/li>\n<li>e a margem para descontos praticamente desapareceu.<\/li>\n<\/ul>\n<p>Opera\u00e7\u00f5es antes rotineiras agora exigem an\u00e1lises mais profundas, sobretudo em setores sens\u00edveis \u00e0 volatilidade financeira.<\/p>\n<h3>Capacidade menor alonga prazos e exige fracionamento<\/h3>\n<p>A redu\u00e7\u00e3o de exposi\u00e7\u00e3o dos resseguradores tamb\u00e9m diminuiu limites por tomador nas seguradoras.<br \/>Em grandes projetos \u2014 como <a href=\"https:\/\/acrisure.com.br\/insights\/seguro-garantia-contratos-publicos\/\" target=\"_blank\" rel=\"noopener\">obras p\u00fablicas<\/a>, concess\u00f5es e infraestrutura \u2014 j\u00e1 \u00e9 comum dividir a emiss\u00e3o de garantias entre v\u00e1rias companhias para atingir o valor necess\u00e1rio.<\/p>\n<p>Esse fracionamento alonga prazos e aumenta a complexidade da opera\u00e7\u00e3o.<\/p>\n<p>O Brasil consome hoje cerca de <strong>R$ 1,5 trilh\u00e3o<\/strong> em capacidade de <a href=\"https:\/\/acrisure.com.br\/insights\/category\/seguros-garantia\/\" target=\"_blank\" rel=\"noopener\">seguro garantia<\/a> considerando ap\u00f3lices vigentes em diferentes segmentos, o que pressiona ainda mais a retrocess\u00e3o internacional e exige planejamento cuidadoso das seguradoras sobre o uso de suas cotas.<\/p>\n<p>Para o tomador, a consequ\u00eancia \u00e9 direta: processos que antes levavam dias agora podem demorar semanas, dependendo da an\u00e1lise financeira e do volume de co-seguro necess\u00e1rio.<\/p>\n<h3>Endurecimento na an\u00e1lise vira rotina<\/h3>\n<p>Com a press\u00e3o internacional, seguradoras intensificaram seus crit\u00e9rios internos. Hoje, h\u00e1 exig\u00eancia maior de:<\/p>\n<ul>\n<li>demonstra\u00e7\u00f5es financeiras recentes,<\/li>\n<li>an\u00e1lise profunda de liquidez,<\/li>\n<li>avalia\u00e7\u00e3o rigorosa do endividamento,<\/li>\n<li>hist\u00f3rico de judicializa\u00e7\u00e3o,<\/li>\n<li>e presen\u00e7a mais frequente de comit\u00eas de risco.<\/li>\n<\/ul>\n<p>Empresas com balan\u00e7os pressionados ou forte depend\u00eancia de contratos p\u00fablicos enfrentam barreiras mais altas para obter garantias.<br \/>O processo tornou-se mais t\u00e9cnico e menos flex\u00edvel comercialmente.<\/p>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/lei-do-contrato-de-seguro-empresas\/\" target=\"_blank\" rel=\"noopener\">Lei do Contrato de Seguro entra em vigor em dezembro de 2025<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/embargos-e-seguro-garantia\/\" target=\"_blank\" rel=\"noopener\">Embargos \u00e0 Execu\u00e7\u00e3o Trabalhista: o papel complementar do Seguro Garantia<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/seguro-garantia-energia-eletrica\/\" target=\"_blank\" rel=\"noopener\">Seguro Garantia para pagamento de Energia El\u00e9trica<\/a><\/li>\n<\/ul>\n<h3>Demanda crescente agrava o desequil\u00edbrio<\/h3>\n<p>A retomada de grandes projetos \u2014 especialmente ligados ao novo PAC \u2014 aumenta a necessidade de garantias ao longo de 2025.<br \/>Ao mesmo tempo, a capacidade internacional permanece est\u00e1vel ou reduzida.<\/p>\n<p>A carteira de seguro garantia no Brasil mostra crescimento acelerado:<\/p>\n<ul>\n<li><strong>2021:<\/strong> R$ 3,03 bilh\u00f5es<\/li>\n<li><strong>2022:<\/strong> R$ 3,55 bilh\u00f5es<\/li>\n<li><strong>2023:<\/strong> R$ 4,32 bilh\u00f5es<\/li>\n<li><strong>2024:<\/strong> R$ 5,08 bilh\u00f5es<\/li>\n<li><strong>At\u00e9 ago\/2025:<\/strong> R$ 4,05 bilh\u00f5es<\/li>\n<\/ul>\n<p>O avan\u00e7o refor\u00e7a o descompasso entre oferta e demanda, criando um ambiente de pre\u00e7os elevados e maior seletividade das seguradoras.<\/p>\n<h2>Press\u00e3o cont\u00ednua e necessidade de planejamento<\/h2>\n<p>A avalia\u00e7\u00e3o predominante no mercado \u00e9 de que o hard market global deve continuar no curto e m\u00e9dio prazo.<br \/>Resseguradores seguem focados em metas de rentabilidade, o que limita a expans\u00e3o da capacidade e mant\u00e9m pre\u00e7os altos.<\/p>\n<p>Para seguradoras, o desafio \u00e9 equilibrar pre\u00e7o, risco e competitividade em um ambiente mais caro.<br \/>Para tomadores, a adapta\u00e7\u00e3o inclui:<\/p>\n<ul>\n<li>fortalecer indicadores financeiros,<\/li>\n<li>organizar documenta\u00e7\u00e3o com anteced\u00eancia,<\/li>\n<li>e negociar garantias antes dos marcos cr\u00edticos dos projetos.<\/li>\n<\/ul>\n<p>O seguro garantia, historicamente sens\u00edvel aos ciclos internacionais, deve permanecer em um cen\u00e1rio em que planejamento ser\u00e1 determinante para empresas que dependem da modalidade.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O setor segurador brasileiro tem dado passos concretos para fortalecer sua atua\u00e7\u00e3o diante dos efeitos das mudan\u00e7as clim\u00e1ticas, aproximando a\u00e7\u00f5es regionais de diretrizes globais.\u00a0\u00a0<\/p>\n<p>Um dos movimentos mais recentes \u2013 e simb\u00f3licos \u2013 \u00e9 o lan\u00e7amento, pela\u00a0CNseg, de uma ferramenta regionalizada para an\u00e1lise de risco de inunda\u00e7\u00e3o. A solu\u00e7\u00e3o permite mapear vulnerabilidades com maior precis\u00e3o e apoiar decis\u00f5es t\u00e9cnicas em seguro, preven\u00e7\u00e3o e pol\u00edticas p\u00fablicas.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":16204,"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":[71],"tags":[19],"class_list":["post-16201","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros-garantia","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>Mercado de resseguros pressiona precifica\u00e7\u00e3o do seguro garantia<\/title>\n<meta name=\"description\" content=\"O encarecimento do resseguro internacional eleva custos e pressiona a 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