{"id":7378,"date":"2024-02-01T11:47:56","date_gmt":"2024-02-01T14:47:56","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=7378"},"modified":"2025-12-16T17:09:16","modified_gmt":"2025-12-16T20:09:16","slug":"lei-de-licitacoes-seguro-garantia","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/lei-de-licitacoes-seguro-garantia\/","title":{"rendered":"Como a nova Lei de Licita\u00e7\u00f5es pode impactar o Seguro Garantia?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.20.0&#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;4.27.3&#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>A entrada em vigor da nova <a href=\"https:\/\/www.gov.br\/compras\/pt-br\/nllc\" target=\"_blank\" rel=\"noopener\">Lei de Licita\u00e7\u00f5es (14.133\/21)<\/a> traz reflexos e expectativas para o Seguro Garantia em 2024. A Diretora de Linhas Financeiras e Opera\u00e7\u00f5es da Acrisure, Fernanda Bulsoni, conta que tal mudan\u00e7a se converter\u00e1 <strong>em moderniza\u00e7\u00e3o e grandes oportunidades<\/strong> para o mercado securit\u00e1rio.<\/p>\n<blockquote>\n<p>\u201cAl\u00e9m das perspectivas de incentivo econ\u00f4mico, o Seguro Garantia certamente ser\u00e1 aprimorado. Ser\u00e1 exigida maior capacidade t\u00e9cnica dos seguradores e corretores. Isso porque, as novas regras demandam que o mercado atenda adequadamente os contratos que est\u00e3o por surgir e que se garanta a efic\u00e1cia deste instrumento financeiro\u201d, afirma.<\/p>\n<\/blockquote>\n<blockquote class=\"wp-embedded-content\" data-secret=\"QRFyyDd48g\"><p><a href=\"https:\/\/acrisure.com.br\/insights\/seguro-garantia\/\">Seguro Garantia: o futuro do seu caixa protegido. Conhe\u00e7a modalidades<\/a><\/p><\/blockquote>\n<p><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Seguro Garantia: o futuro do seu caixa protegido. Conhe\u00e7a modalidades&#8221; &#8212; Insights \/ Acrisure\" src=\"https:\/\/acrisure.com.br\/insights\/seguro-garantia\/embed\/#?secret=KReZ8CN0mi#?secret=QRFyyDd48g\" data-secret=\"QRFyyDd48g\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h2><strong>O que muda com a nova Lei de Licita\u00e7\u00f5es? <\/strong><\/h2>\n<p>Uma das altera\u00e7\u00f5es previstas pela lei \u00e9 a exig\u00eancia da garantia de at\u00e9 30% do valor inicial do contrato <strong>nas contrata\u00e7\u00f5es de obras e servi\u00e7os de engenharia<\/strong> cujo valor estimado supere R$ 200 milh\u00f5es. Antes, o limite era 10%.<\/p>\n<p>Al\u00e9m do aumento do limite da garantia, a lei prev\u00ea, ainda, a possibilidade de a seguradora retomar a obra p\u00fablica no lugar do tomador inadimplente. Com essa altera\u00e7\u00e3o, o mercado segurador <strong>passa a ter maior responsabilidade na fiscaliza\u00e7\u00e3o das obras,<\/strong> o que far\u00e1 das equipes especializadas um diferencial.<\/p>\n<blockquote>\n<p>\u201cPor se tratar de um produto financeiro, requer compet\u00eancia dos atuantes para entender todas as particularidades, condi\u00e7\u00f5es, coberturas aplic\u00e1veis e principalmente necessidades de quem o contrata\u201d, explica Fernanda.<\/p>\n<\/blockquote>\n<h4><strong>Impactos imediatos <\/strong><\/h4>\n<p>O aumento dos riscos diante do <a href=\"https:\/\/acrisure.com.br\/garantia\/\" target=\"_blank\" rel=\"noopener\">Seguro Garantia<\/a> certamente ser\u00e1 o principal reflexo. Por consequ\u00eancia, ter uma equipe de engenharia bem estruturada ser\u00e1 muito importante para as seguradoras.<\/p>\n<blockquote>\n<p>\u201cCumpre tamb\u00e9m ao corretor de seguros selecionar produtos adequados e que atendam e garantam a perenidade e sustentabilidade deste tipo de contrato\u201d, ressalta a Superintendente de Linhas Financeiras.<\/p>\n<\/blockquote>\n<h4><strong>Novo marco legal para medidas de garantia de cr\u00e9dito<\/strong><\/h4>\n<p>Em outubro do ano passado, tamb\u00e9m foi assinado o novo marco legal <a href=\"https:\/\/legislacao.presidencia.gov.br\/atos\/?tipo=LEI&amp;numero=14711&amp;ano=2023&amp;data=30\/10\/2023&amp;ato=c15ITS650MZpWT00a\" target=\"_blank\" rel=\"noopener\">(Lei 14.711\/23)<\/a> que facilita a retomada dos ativos em garantia nos contratos de licita\u00e7\u00f5es. A legisla\u00e7\u00e3o d\u00e1 oportunidade para que o seguro seja visto como <strong>mais uma op\u00e7\u00e3o de cau\u00e7\u00e3o<\/strong> prevista na contrata\u00e7\u00e3o p\u00fablica de obras.<\/p>\n<p>Ao melhorar as regras de garantias para empr\u00e9stimos e facilitar a retomada de bens, a Lei deve ajudar <strong>a reduzir o custo do cr\u00e9dito e da inadimpl\u00eancia<\/strong> no pa\u00eds. Para o mercado securit\u00e1rio, traz agilidade na recupera\u00e7\u00e3o de valores indenizados, o que beneficia tomadores e segurados \u00e0 medida que d\u00e1 seguran\u00e7a jur\u00eddica para recupera\u00e7\u00e3o de quantias, evitando a\u00e7\u00f5es judiciais de longo prazo.<\/p>\n<p><strong>Fonte:<\/strong> <a href=\"https:\/\/www.zurich.com.br\/pt-br\/a-zurich\/imprensa-e-noticias\/press-releases\/2024\/lei-licitacoes-mercado-seguro-garantia\" target=\"_blank\" rel=\"noopener\">Zurich<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As novas regras demandam que o mercado atenda os contratos que est\u00e3o por surgir e que garanta a efic\u00e1cia do Seguro Garantia.<\/p>\n","protected":false},"author":1,"featured_media":1535,"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-7378","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>Como a nova Lei de Licita\u00e7\u00f5es pode impactar o Seguro Garantia?<\/title>\n<meta name=\"description\" content=\"A lei demanda que o mercado atenda os contratos que est\u00e3o por surgir e que garanta a efic\u00e1cia do Seguro de Garantia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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