{"id":21430,"date":"2026-08-19T13:37:59","date_gmt":"2026-08-19T16:37:59","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=21430"},"modified":"2026-08-25T18:18:13","modified_gmt":"2026-08-25T21:18:13","slug":"cnsp-novas-regras-seguro-danos","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/cnsp-novas-regras-seguro-danos\/","title":{"rendered":"CNSP publica nova regulamenta\u00e7\u00e3o para contratos de seguros de danos"},"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;4.19.4&#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; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div>O Conselho Nacional de Seguros Privados (CNSP) publicou a <a href=\"https:\/\/www.in.gov.br\/web\/dou\/-\/resolucao-cnsp-n-496-de-17-de-agosto-de-2026-726174976\" target=\"_blank\" rel=\"noopener\">Resolu\u00e7\u00e3o CNSP n\u00ba 496\/2026<\/a>, que estabelece as caracter\u00edsticas gerais dos contratos de seguros de danos e cria regras espec\u00edficas para determinadas modalidades de seguro. A norma foi aprovada em sess\u00e3o extraordin\u00e1ria realizada em 17 de agosto e entrou em vigor ap\u00f3s sua publica\u00e7\u00e3o no Di\u00e1rio Oficial da Uni\u00e3o, em 18 de agosto de 2026.<\/div>\n<div>\u00a0<\/div>\n<div>A resolu\u00e7\u00e3o regulamenta aspectos da <a href=\"https:\/\/acrisure.com.br\/insights\/lei-do-contrato-de-seguro-empresas\/\" target=\"_blank\" rel=\"noopener\">Lei n\u00ba 15.040\/2024<\/a>, conhecida como Lei do Contrato de Seguro. A legisla\u00e7\u00e3o entrou em vigor em dezembro de 2025 e inaugurou um novo marco para as rela\u00e7\u00f5es contratuais no mercado segurador.<\/div>\n<h2 aria-level=\"2\">O que a nova norma regulamenta?<\/h2>\n<div>\n<p>A Resolu\u00e7\u00e3o CNSP n\u00ba 496 define diretrizes para todo o ciclo de vida dos contratos de seguros de danos. Dessa forma, ela disciplina desde a elabora\u00e7\u00e3o das condi\u00e7\u00f5es contratuais at\u00e9 a regula\u00e7\u00e3o e a liquida\u00e7\u00e3o de sinistros.<\/p>\n<p>Entre os temas abordados est\u00e3o:<\/p>\n<ul>\n<li>condi\u00e7\u00f5es contratuais;<\/li>\n<li>forma\u00e7\u00e3o, modifica\u00e7\u00e3o e renova\u00e7\u00e3o dos contratos;<\/li>\n<li>interpreta\u00e7\u00e3o e execu\u00e7\u00e3o contratual;<\/li>\n<li>notifica\u00e7\u00f5es entre as partes;<\/li>\n<li>regula\u00e7\u00e3o e liquida\u00e7\u00e3o de sinistros;<\/li>\n<li>pagamento de indeniza\u00e7\u00f5es.<\/li>\n<\/ul>\n<p>Ao mesmo tempo, a norma exige que seguradoras utilizem linguagem clara, objetiva e de f\u00e1cil compreens\u00e3o. As condi\u00e7\u00f5es contratuais tamb\u00e9m devem detalhar os riscos cobertos, as exclus\u00f5es e as hip\u00f3teses que podem resultar em perda de direitos.<\/p>\n<\/div>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Quais seguros s\u00e3o contemplados?<\/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<div>\n<p>Al\u00e9m das regras gerais aplic\u00e1veis aos seguros de danos, a resolu\u00e7\u00e3o traz disposi\u00e7\u00f5es espec\u00edficas para:<\/p>\n<ul>\n<li><strong>riscos de petr\u00f3leo;<\/strong><\/li>\n<li><strong>riscos nomeados e operacionais;<\/strong><\/li>\n<li><strong>global de bancos;<\/strong><\/li>\n<li><strong>seguros aeron\u00e1uticos;<\/strong><\/li>\n<li><strong>seguros mar\u00edtimos;<\/strong><\/li>\n<li><strong>riscos nucleares;<\/strong><\/li>\n<li><strong>cr\u00e9dito interno e cr\u00e9dito \u00e0 exporta\u00e7\u00e3o<\/strong> quando o segurado for pessoa jur\u00eddica.<\/li>\n<\/ul>\n<p>Por isso, a norma possui especial relev\u00e2ncia para o mercado corporativo. Ela alcan\u00e7a modalidades frequentemente utilizadas para proteger patrim\u00f4nios, opera\u00e7\u00f5es, projetos, cadeias log\u00edsticas e responsabilidades empresariais.<\/p>\n<\/div>\n<div>\n<div>\n<h2>Mais transpar\u00eancia nos contratos<\/h2>\n<p>Um dos principais objetivos da resolu\u00e7\u00e3o \u00e9 aumentar a transpar\u00eancia na rela\u00e7\u00e3o entre segurados e seguradoras.<\/p>\n<p>Nesse sentido, a norma determina que d\u00favidas, ambiguidades ou contradi\u00e7\u00f5es presentes em cl\u00e1usulas ou documentos elaborados pela seguradora sejam interpretadas de forma <strong>mais favor\u00e1vel ao segurado, ao benefici\u00e1rio ou ao terceiro prejudicado<\/strong>. Al\u00e9m disso, as cl\u00e1usulas que tratam de exclus\u00f5es de cobertura, limita\u00e7\u00f5es ou perda de direitos passam a ter interpreta\u00e7\u00e3o restritiva.<\/p>\n<p>A resolu\u00e7\u00e3o tamb\u00e9m exige que as seguradoras destaquem de forma clara todas as situa\u00e7\u00f5es que possam levar \u00e0 perda de direitos do segurado. Caso isso n\u00e3o ocorra, a cl\u00e1usula poder\u00e1 ser considerada nula.<\/p>\n<\/div>\n<div>\n<h2>O que muda na gest\u00e3o dos sinistros?<\/h2>\n<p>A nova regulamenta\u00e7\u00e3o busca aumentar a previsibilidade dos processos de sinistros.<\/p>\n<p>A partir da norma, a seguradora ter\u00e1 at\u00e9 <strong>30 dias<\/strong> para concluir a regula\u00e7\u00e3o do sinistro e informar se existe cobertura para o evento reclamado. Depois do reconhecimento da cobertura, ter\u00e1 at\u00e9 <strong>30 dias<\/strong> para liquidar o sinistro e efetuar o pagamento da indeniza\u00e7\u00e3o.<\/p>\n<p>Por outro lado, algumas modalidades de maior complexidade seguem regras pr\u00f3prias. Nos seguros de riscos de petr\u00f3leo, riscos nomeados e operacionais, global de bancos, aeron\u00e1uticos, mar\u00edtimos, nucleares e de cr\u00e9dito para pessoas jur\u00eddicas, esses prazos podem chegar a <strong>120 dias<\/strong>.<\/p>\n<p>Al\u00e9m disso, a resolu\u00e7\u00e3o determina que os relat\u00f3rios de regula\u00e7\u00e3o e liquida\u00e7\u00e3o de sinistros sejam documentos compartilhados entre as partes, ampliando a transpar\u00eancia dos processos.<\/p>\n<\/div>\n<h2>Revoga\u00e7\u00e3o das regras de Grandes Riscos<\/h2>\n<div>Outro ponto relevante para empresas \u00e9 a revoga\u00e7\u00e3o da <a href=\"https:\/\/www.in.gov.br\/en\/web\/dou\/-\/resolucao-cnsp-n-407-de-29-de-marco-de-2021-311650550\" target=\"_blank\" rel=\"noopener\">Resolu\u00e7\u00e3o CNSP n\u00ba 407\/2021<\/a>, que disciplinava os seguros de danos para cobertura de grandes riscos.<\/div>\n<div>\u00a0<\/div>\n<div>Com essa mudan\u00e7a, o mercado passa a seguir uma estrutura regulat\u00f3ria alinhada aos princ\u00edpios previstos na Lei do Contrato de Seguro. Dessa forma, a regulamenta\u00e7\u00e3o adota diretrizes comuns para os contratos de seguros de danos, preservando apenas regras espec\u00edficas para determinados ramos.<\/div>\n<h2>O que muda para as empresas?<\/h2>\n<p>A maior parte das adapta\u00e7\u00f5es ocorrer\u00e1 nas seguradoras e corretoras. No entanto, empresas de diferentes setores tamb\u00e9m devem acompanhar as mudan\u00e7as.<\/p>\n<div>\n<p><strong>Nesse cen\u00e1rio, gestores de riscos, \u00e1reas jur\u00eddicas, financeiras e de compliance precisar\u00e3o revisar contratos e avaliar poss\u00edveis impactos nas coberturas. Al\u00e9m disso, ser\u00e1 importante analisar exclus\u00f5es, responsabilidades e procedimentos relacionados aos sinistros.<\/strong><\/p>\n<p>Para organiza\u00e7\u00f5es que mant\u00eam programas de seguros mais complexos, a resolu\u00e7\u00e3o cria uma oportunidade para revisar estruturas de prote\u00e7\u00e3o e adequ\u00e1-las \u00e0s novas exig\u00eancias regulat\u00f3rias. Dessa forma, as empresas podem fortalecer sua governan\u00e7a de riscos e aumentar a previsibilidade em situa\u00e7\u00f5es de perda ou dano.<\/p>\n<\/div>\n<h3>Cronograma de adapta\u00e7\u00e3o<\/h3>\n<p>A resolu\u00e7\u00e3o entrou em vigor em 18 de agosto de 2026. No entanto, o mercado ter\u00e1 um per\u00edodo de transi\u00e7\u00e3o para concluir as adapta\u00e7\u00f5es necess\u00e1rias.<\/p>\n<div>\n<p>As seguradoras dever\u00e3o adequar os planos j\u00e1 registrados at\u00e9 <strong>4 de janeiro de 2027<\/strong>. A partir de <strong>5 de janeiro de 2027<\/strong>, as novas regras passar\u00e3o a valer obrigatoriamente para contratos formados ou renovados.<\/p>\n<p>Portanto, empresas que possuem programas corporativos relevantes devem acompanhar as pr\u00f3ximas renova\u00e7\u00f5es com aten\u00e7\u00e3o.<\/p>\n<\/div>\n<h3>Pr\u00f3ximos passos<\/h3>\n<p>A publica\u00e7\u00e3o da Resolu\u00e7\u00e3o CNSP n\u00ba 496 representa mais um passo na implementa\u00e7\u00e3o da Lei do Contrato de Seguro. Al\u00e9m de promover maior transpar\u00eancia contratual, a norma amplia a previsibilidade dos processos de sinistros e refor\u00e7a a import\u00e2ncia da clareza nas rela\u00e7\u00f5es entre segurados e seguradoras.<\/p>\n<p>Nesse novo cen\u00e1rio, acompanhar as mudan\u00e7as regulat\u00f3rias vai al\u00e9m da conformidade. Tamb\u00e9m \u00e9 uma oportunidade para revisar programas de seguros, aprimorar estrat\u00e9gias de transfer\u00eancia de riscos e fortalecer a prote\u00e7\u00e3o do patrim\u00f4nio empresarial.<\/p>\n<p><em>A Acrisure continuar\u00e1 acompanhando as regulamenta\u00e7\u00f5es complementares da Susep para apoiar empresas na interpreta\u00e7\u00e3o dos impactos e na adequa\u00e7\u00e3o de seus programas de seguros. <a href=\"https:\/\/acrisure.com.br\/riscos-corporativos\/\" target=\"_blank\" rel=\"noopener\">Saiba como fazemos.<\/a><\/em><\/p>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O CNSP aprovou uma nova regulamenta\u00e7\u00e3o para os contratos de seguros de danos, em adequa\u00e7\u00e3o \u00e0 Lei n\u00ba 15.040\/2024. A proposta estabelece caracter\u00edsticas gerais para esses contratos e regras espec\u00edficas para modalidades. A resolu\u00e7\u00e3o ainda aguarda publica\u00e7\u00e3o no Di\u00e1rio Oficial da Uni\u00e3o.<\/p>\n","protected":false},"author":1,"featured_media":21440,"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-21430","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 v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CNSP aprova novas regras para contratos de seguros de danos<\/title>\n<meta name=\"description\" content=\"CNSP publica nova regra para seguros de danos. 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