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11th edition/ March 2018magazineRisk Management with Information Interchange One Risk Global, the newest Fox Group company, innovates on sharing information of the global insurance market, allowing analysis and controlling advancements of claims.EventChatHaüptli Lawyers & Associates holds the workshop “Financial Lines and Civil Responsibilities” with renowned speakers to discuss the news of the segments.Roberto Santos, the executive vice president who is preparing himself to takeover the direction of Porto Seguro, talks about his trajectory and management plans.FOX GROUP REGULATION AND AUDITTransports (Investigations / Audits / SOS Cargo) / Protocols Audit / Property (Industrial/ Commercial / Residential) / Legal Counseling and Refund / Engineering Risks / Godds Recovering (Cargos / Vehicles, etc) / DPVAT Audit / Automobile / Life / Lender / Rental Guarantee / Credit Guarantee / Rural Insurancewww.foxaudit.com.br /
[email protected] Phone: 55 11 3858-3234 / 0800 109687EDITORIAL Grupo FoxContinuous Entrepreneurship and Innovation Fox Group does not stop growing and developing. The constant entrepreneurship and innovation initiatives seek to improve our services in order to offer the best analysis and risk prevention of claims.Fox Regulation & Auditing Av. Francisco Matarazzo, 1752, 17º. andar Pompeia - São Paulo - SP - CEP 05001-200 Telefone (11) 3858.3234 / 3965.9001 E-mail:
[email protected]üptli Lawyers & Associates Advisory / Litigation Av. Francisco Matarazzo, nº 1752, 24º andar Pompeia – São Paulo – SP - CEP 05001-200 Telefone (11) 4858.3644 E-mail:
[email protected] seems that at each edition of this magazine we have a new enterprise to present. After more than 20 years of tradition of Fox Claims Regulator, we have created Fox Group, with the expansion and partitioning of the legal department which resulted in Haüptli Lawyers & Associates that works separately from the new Fox Regulation & Auditing. The third member of the Group was MedFox, an occupational and preventive medicine company which complemented the services offering medical expertise in the analysis and prevention of claims. Now, making our service even more complete we have launched One Risk Global to actuate on sharing and management and use of global information of insurance risks. They are different fronts that allow a full risk analysis and with seriousness, expertise and commitment of our team we keep growing, expanding and increasingMedFox Medicina, Odontologia e Perícias Av. Francisco Matarazzo, 1752, 9º andar Pompeia – São Paulo – SP - CEP 05001-200 Telefone (11) 3862-4848 E-mail:
[email protected] market outreach. Our integration to the market has been occurred in other ways as well. Besides our traditional involvement in events of transport insurance, especially for our partnership with CIST, we ventured the creation of our own event. The workshop Financial Lines & Civil Responsibilities that happened in the second semester of 2017 was a success and it was supported and participation of our insurer partners. We are planning new encounters, probably in other locals and taking other subjects to the discussion. This integration and contribution to the market is also in evidence with the release of another edition of our Fox News and the participation of so many renowned executives with articles and interviews granted to our team. It is great satisfaction and pride to continue growing sustainably and with valuable professional relationships. Stay with us! Boa leitura! Good reading!Paulo Rogério Haüptli Alexandre MassaoPartners at Fox Regulation & AuditingOneRisk Global Av. Francisco Matarazzo, 1752, 5º andar Pompeia – São Paulo – SP - CEP 05001-200 E-mail:
[email protected]ção Fox News Thaís Ruco - Responsible Journalist Mtb 49.455 -
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[email protected] English version translated by Agnes Andriolo and Nathalia Loureço04SUMARY03Editorial Continuous Entrepreneurship and Innovation05Environmental Insurance Environmental Responsibility of the freight conveyor06Event Insurers attend to the workshop “Financial Lines & Civil Responsibilities” held by Haüptli Lawyers & Associates08Fox Group in the Media Insurance Guarantee and Civil Responsibility grow08New Hiring More professionals joined Haüptli Lawyers& Associates10Chat Porto Seguro future president talks about his trajectory and management focus12Cover Risk Management with Information Exchange16Cover Fox Regulation & Claims offers a new line of consultancy about engineering risks.17Regulation Commodities X Claims of Equipment and Machines18Transports Re-insurance in Transport Insurance20Trends The promises for the Insurance Market in 201821Life Personal Insurance was highlighted in 2017: for the first time the segment Life overtakes Auto22Event Fox Group and Haüptli Lawyers present their services during the 5th ExpoCIST Symposium23Health Preventing is the best medicine24Market Company bets on planned and sustainable growth25Events Fox Group reunites employees and partners in a great fraternization party26Insurance Culture The protection value in a growing country27Qualification Postgraduate course in Transports starts the second class28Analysis Infrastructure and multimodality: Brazilian requirements for efficient logistics30Legal The important role of an internal legal department and its challenges before the society31Market The greatest Conec of all times32Strategy Insurer takes over the 24-hour assistance area and creates jobs34Sharp Tongue “This spell checker more hinders than helps.”35Risks Global study points environmental and technologic risks as the feared for 201836Automobile Insurance: autonomous vehicles and drones37Representativeness CIST will have new management board for the period 2018-202138Other Reading Us and ThemENVIROMENTAL INSURANCE05Environmental responsibility of the freight conveyor Sustainability and environment are themes of corporate agendas around the world and the environmental insurance is an important risk transference tool “from cradle to grave”. In Brazil, the environmental risk insurance, most of times lies to the civil responsibility insurance by sudden pollution. This pollution is understood as an accidental event, sudden and abrupt characterized by emission, discharge, dispersion, detachment, escape, emanation or leakage of toxic or polluting substance. The companies with potentially polluting activities hire the insurance of Civil Responsibility for sudden pollution in order to cover personal or material damage caused to third parts, also costs of possible legal actions and analysis expenses, identification and treatment of environmental risks. Nowadays, we live in Brazil a moment of dissemination and awareness that results in the perception of the risk. During the last years there has been a significant growth of accidents and consequent demand on the transport product and for this reason we see the activity of environment protection agencies and the continuous evolution of the laws. There are few specialized companies on emergency assistance with a broad territorial coverage and the operation way in the co-responsibility system bringsnew risks and new demands. There are several business segments which need this protection and the benefits of the environmental risk insurance to perform their production and/or transportation of products. This does not mean that there is a high demand for the insurance, yet. The increase in business on a global scale has worked as a lever to boost the number of contracts, either because a greater number of tasks increase the likelihood of environmental accidents, or because insurance can be a competitive differential for a company before its competitors. The three main market segments which hire the most the environmental risk insurance due to the risks that they present and due to the possible international impact of their accidents are: 1) Chemical and petrochemical industry for the huge potential of environmental claims caused by their activities that can result in fatal victims and a high level of material damage; 2) Ore and Steel Industry since besides the environment degradation caused by the mineral extraction itself, other cause to keep the risk insurance is the continuous growth of the production due to the exportation; and 3) Transport of detrimental products to the environment, the danger of accidents due to the poor conditions of our roads, frequent traffic recklessness and human error, stimulated by many hours of work. The environmental risk insurance is not mandatory in Brazil. As it is difficult to limit potential situations th at can cau s es environmental claim, even more difficult it is define standard coverage for the risk. At first, there is not any standard environ-Paulo Rogério Haüptli is founder at Fox Group, Owner Lawyer at Haüptli & Associates, professor in graduation and postgraduation of Transportation Insurance at N at i o n a l I n s u r a n c e School , in addition he provides trainings for insurers.mental risk insurance in any part of the world. The United States has presented advances regarding the responsibility for environmental damage and in Europe the environmental risk insurances are still bellow the needs. The verified aspects for identifying, analyzing and evaluating the risks in an environmental accident can vary. Depending on the extension of the claim, the experts hired by the insurance company will verify mainly the adequacy of the protection systems, the contingence and emergency plans, as well as the maintenance of the buildings and equipment; operational processes; and property security. The determination of causes is a preponderant factor when a claim is incurred, even though there may be the co-participation of other companies in the production of damages, which will not always be insured by the same type of insurance. The assessment of environmental damage is a difficult matter, but not impossible, according to the technology currently adopted and composed of several scientific methods, in full development and evolution. All the surveys carried out generate reports and may even serve as a basis for recommendations, aiming also at reducing risks and taking protective measures, whose objective is the renewal of insurance. The environmental claims always show us lessons for a subscription in all meanings and insurance segments.06EVENTSInsurers attend to the workshop Financial Lines and Civil Responsibility from Haüptli Lawyers & Associates Haüptli Lawyers & Associates specialized in Insurance Law is part of Fox Group and it held the workshop “Financial Lines and Civil Responsibility” which happened in October 17th 2017 from 09:00 to 12:00 at Maksoud Plaza Hotel in São Paulo. There were three panels presented by renowned executives from Insurance Companies which included debates of the attorneys Dr. Bruno Gusmão and Dr. Thalita Graciolli, from Haüptli Lawyers & Associates. Rogério dos Santos Gonçalves, Warranty Director at Axa Brasil Seguros, presented the lecture “Current Warranty Insurance Scenario”. Luiz Gustavo Ferreira Galrão, Financial Lines and Civil Responsibility Superintendent at Argo Group Seguros, talked about “The importance of Civil Responsibility Insurance aimed at the Civil Construction sector”. And, at the closing, José Marcelino Risden, President of Berkley International do Brasil Seguros explained “The Warranty Insurance Market in times of crisis”. Paulo Rogério Haüptli, Director of the company, defends that renowned speakers in Financial Lines and Civil Responsibility were selected in order promote debates about the actualities of the segments between Insurers, brokers and specialized lawyers present in the event. To attend to the event it was requested the donation of one kilo of non-perishable food (delivered at the local and day of the event) destined to “Associação Beneficente Vivenda da Criança”. Due to the success of the event and to the demand of other Haüptli Lawyers & Associates partners on acting as lecturer, there will be new editions of workshop. The next workshop is scheduled for the month of June 2018 reuniting once more renowned professionals of the sector.0708FOX GROUP IN THE MEDIAWarranty Insurance and Civil Responsibility Growing The workshop Financial Lines and Civil Responsibility held by Haüptli Lawyers & Associates was highlight in “Apólice” Magazine in a two-page story which shared the information: “Warranty Insurance should take up its breath”.NEW HIRINGS More professionals joined Haüptli Lawyers& Associates level). Practice Areas: Business Law, Civil Law and Insurance Law. Contato:
[email protected] Naves Magalhães Graduated in Law by Pontifícia Universidade Católica of Minas Gerais (PUC-MG), post graduated in Public Law by Faculdade Damásio in São Paulo and post graduation student of Civil Law at Pontifícia Universidade Católica of Minas Gerais (PUC-MG). Member of the Brazilian Association of Tax Law Young (ABRADT Jovem). Volunteer at Association “Il Mantello” (Italian Association of International Adoption). Languages: English and Italian (basicAlexsander Guilherme Carrocine Ferreira Studying the seventh period of the Law University at Faculdades Metropolitanas Unidas (FMU). Gabriela Rocha Graduated in Law by Universidade Nove de Julho. Fluent in English. Practice Areas: Civil Law, Consumer Law and Insurance Law. Contato:
[email protected]:
[email protected]체ptli Lawyers & Associates it is a lawyer office endowed with advisory and contentious expertise necessary to answer to the insurance market needs.Areas of business 타 Warranty Insurance; 타 Civil Responsibility, D&Oand E&O; 타 Reimbursements at theadministrative and judicial levels.www.hauptli.adv.br10CHATPorto Seguro Future President talks about his trajectory and management focus. Roberto de Souza Santos, Porto Seguro Seguros Executive Vice-President, goes through the succession process to assume the direction of the company which will happen this year but yet without a announced date. He is 56 years old and has 38 years of experience in insurance, 15 year at Porto Seguro. He is from Rio de Janeiro, still in process to move with his family to São Paulo in order to assume the new great challenge. He talks about his trajectory and his management plans which he summarize in two points: closeness with brokers and process simplification.in life that everything has a better way of looking at what happens. With this change I ended up at the commercial area as General Director at Finasa Mercantil de São Paulo, responsible for the operation in Rio de Janeiro and after Minas Gerais, too. This put me in contact with the sales area and I liked it. After three years I was invited to work in aTell us about your trajectory on Insurance market. Roberto Santos – I started my career at SulAmérica head office, in Rio de Janeiro, in 1980 as administrative assistant, working at Life Insurance area. There I started my career and I never aspired to reach the position I am today. I was part of the training of insurance technicians; I worked in several technical areas of the Insurer, in claims as well. At the end of the year 1989, I was Manager of the area of hull and aeronautic, but I thought there was no more space for me in the company and then I resigned. Then I started to work as Technical General Manager at the head office of a small insurance company called Boa Vista Itatiaia, which was owned by Boa Vista Bank. In the first company I was a small gear, in each area that I had worked I could not see the whole, in the second company I started to have the skill of the systemic vision, to fully know how a company works. After three years the company was sold, and 30 days after, I had been employed again. I have learnedthe teachers, who were from the USA, to spend the day on the beaches in Niterói where I lived, in this way I could practice English all day for free. After four years I was invited to work at Generalli. I was in charge of the sales and the technical area and the claim area as well - that is, insurance from beginning to the end. Then I was invited to work at the French company Axa, back to the sales area, and we did a job to organize the company. After the head office decided to sell the Brazilian operation and Porto Seguro was the one to buy it. At Porto I found my company, I identified myself with the whole culture. How was your Professional development at Porto Seguro?multinational company called General Access (GA). It almost did not happen because I did not speak English, that time this was only available for children of rich people, I was son of a lathe operator and I did not have the opportunity, but I did dreamt on it and I committed myself to learn it. I took private classes in the company and on Saturdays I used to takeRoberto Santos – I started at Porto Seguro through the acquisition of Axa Seguros, since the beginning I was the General Manager of Azul Seguros. We built a strategy to be the second price of Porto Seguro, the preference of the brokers and costumers. It is a lighter product with a more competitive price – the idea was to offer first the Porto insurance and if the deal did not happen, we offered the Azul insurance. At that time the company had 247 employees and 80 thousand items, nowadays it has 510 employees and 1.900.000 items. It was a successful case. I went through some barriers, until one moment when Fabio Luchetti (current President) invited me to take over the Operational Directory of Porto Seguro, together with Azul. I was at Azul head office in Rio de Janeiro and two days a week in São Paulo, looking after the of issuance, dispatch, tariffs, of all segments. It was very good11had accrued this positions because through the operational area I started to understand Porto Seguro in details. After this I was invited to take over one of the Five General Directories and at this point I also took over the areas of Health, Dental and Labor Health. I had never worked in health area before. It is a complex area and today we have very good figures, quite impressive comparing with the market. In 2016 I left Azul and took over the Property and Financial Risks of Porto Seguro – residential, business, transport, agribusiness, financial risks, guarantee, capitalization and consortium. That is, I went through the whole company and most recently I took the executive vicepresidency. And what was it like to receive the invitation to be the next president of such an important company? Roberto Santos – At Porto Seguro we have a target that the executives must work until 63 years old. I had too many accumulated positions and I thought if I would stand them all until that age. On April, last year I was in the farm of Dr. Jayme Garfinkel (shareholder and President of the Board of the Company), he always takes two executives at a time to spend the day with him, this day I went alone because the other executive had some problem, and he asked me what I thought about the future. I told him I did not want to stop at 63, I was thinking about stopping a little earlier, despite being in the company for 15 years, I might slow down. My family has not moved to São Paulo yet, but for many years I have been spending the week in São Paulo and at the weekend I go back to Rio. I am also President of the insurance employer's union in Rio de Janeiro and Espírito Santo for some years, and I have been in entities such as CNseg, Susep. In June, Fabio Luchetti invited me to have dinner at his home and he made the invitation for me to be the President of the company. I did not understand, two months ago I was talking to Jayme about slowing down. It was a hard decision because it was not in my plans, and I had to talk to my wife about it. But I started a
