{"id":20470,"date":"2026-03-25T14:13:40","date_gmt":"2026-03-25T17:13:40","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=20470"},"modified":"2026-03-26T10:33:06","modified_gmt":"2026-03-26T13:33:06","slug":"stj-proibe-recusa-automatica-de-seguro-garantia","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/stj-proibe-recusa-automatica-de-seguro-garantia\/","title":{"rendered":"STJ pro\u00edbe recusa autom\u00e1tica de Seguro Garantia em execu\u00e7\u00f5es fiscais"},"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;4.27.6&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span data-contrast=\"auto\">O\u00a0<\/span><a href=\"https:\/\/www.stj.jus.br\/sites\/portalp\/Inicio\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Superior Tribunal de Justi\u00e7a (STJ)<\/span><\/a><span data-contrast=\"auto\">\u00a0decidiu que a Fazenda P\u00fablica n\u00e3o pode mais recusar, de forma autom\u00e1tica, o uso de seguro garantia ou fian\u00e7a banc\u00e1ria em execu\u00e7\u00f5es fiscais. A decis\u00e3o foi tomada em julgamento repetitivo (Tema 1.385), o que significa que deve ser seguida por todo o Judici\u00e1rio.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">O que muda na pr\u00e1tica<\/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\">A partir de agora, o fato de o dinheiro ser a primeira op\u00e7\u00e3o na lista de garantias n\u00e3o justifica, por si s\u00f3, a recusa de alternativas. Segundo a ministra relatora, Maria Thereza de Assis Moura, o\u00a0<\/span><a href=\"https:\/\/acrisure.com.br\/garantia\/\"><span data-contrast=\"none\">seguro garantia<\/span><\/a><span data-contrast=\"auto\">\u00a0e a fian\u00e7a banc\u00e1ria s\u00e3o formas v\u00e1lidas de garantir o pagamento da d\u00edvida.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Impacto para empresas<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Na pr\u00e1tica, a decis\u00e3o reduz a press\u00e3o sobre o caixa das empresas, que muitas vezes eram obrigadas a fazer dep\u00f3sitos em dinheiro para seguir com a discuss\u00e3o judicial. Com isso:<\/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=\"11\" 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\"><span data-contrast=\"auto\">empresas podem manter sua liquidez enquanto discutem a d\u00edvida;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" 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\"><span data-contrast=\"auto\">o pagamento continua garantido por seguradoras ou bancos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">O STJ tamb\u00e9m refor\u00e7ou que essas garantias podem ter o mesmo efeito do dep\u00f3sito judicial, desde que atendam aos requisitos necess\u00e1rios.<\/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 aria-level=\"4\"><i><span data-contrast=\"none\">Leia tamb\u00e9m\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:80,&quot;335559739&quot;:40}\">\u00a0<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" 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\/seguro-garantia-maturidade-empresas\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">O que as seguradoras analisam antes de liberar o Seguro Garantia<\/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=\"10\" 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\/deposito-recursal\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Como funciona o Seguro Garantia para Dep\u00f3sito Recursal<\/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=\"10\" 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\/pgdau-seguro-garantia\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Transa\u00e7\u00e3o PGDAU 11\/2025 favorece uso do seguro garantia<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">Quando a recusa ainda \u00e9 poss\u00edvel<\/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 Fazenda ou o Judici\u00e1rio ainda podem recusar\u00a0o seguro garantia ou fian\u00e7a banc\u00e1ria\u00a0em casos espec\u00edficos, como:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" 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\"><span data-contrast=\"auto\">valor insuficiente;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" 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\"><span data-contrast=\"auto\">problemas formais;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"13\" 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\"><span data-contrast=\"auto\">falta de confiabilidade da garantia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Ou seja, a an\u00e1lise continua existindo. O\u00a0que n\u00e3o \u00e9 mais permitido \u00e9 recusar sem avaliar o caso.<\/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<h2><span data-contrast=\"none\">Tend\u00eancia<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">O entendimento confirma uma posi\u00e7\u00e3o que o pr\u00f3prio STJ j\u00e1 vinha adotando e deve ajudar a uniformizar as decis\u00f5es no pa\u00eds, reduzindo disputas sobre o tema.<\/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><i><span data-contrast=\"none\">A\u00a0Acrisure\u00a0\u00e9 umas das corretoras com maior expertise em Seguro Garantia para empresas.\u00a0<\/span><\/i><a href=\"https:\/\/app.finnseguros.com.br\/registre-se\" target=\"_blank\" rel=\"noopener\"><i><span data-contrast=\"none\">Fa\u00e7a sua cota\u00e7\u00e3o em at\u00e9 3 minutos<\/span><\/i><\/a><i><span data-contrast=\"auto\">, com taxas em tempo real.<\/span><\/i><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>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A digitaliza\u00e7\u00e3o e a automa\u00e7\u00e3o de tarefas n\u00e3o s\u00e3o tend\u00eancias futuras:\u00a0elas j\u00e1 transformam hoje a organiza\u00e7\u00e3o, performance e riscos no trabalho. O foco para l\u00edderes n\u00e3o \u00e9 a tecnologia isoladamente, mas\u00a0seus efeitos sobre pessoas, sa\u00fade e resultados do neg\u00f3cio.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":20472,"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":[44],"tags":[19],"class_list":["post-20470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-riscos-financeiros","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>Recusa autom\u00e1tica de Seguro Garantia \u00e9 proibida pelo STJ<\/title>\n<meta name=\"description\" content=\"A partir de agora, o fato de o dinheiro ser a primeira op\u00e7\u00e3o na lista de garantias n\u00e3o 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