Products and services
We have a complete portfolio for you!
Property Insurance – Property
Property insurance provides comprehensive protection for assets and properties against a variety of risks. With coverages such as fire, theft and water damage, equipment failures and business interruptions, property insurance ensures financial security in the event of loss or damage.
Engineering Risk Insurance – RE
Engineering Risk insurance protects construction and I&M (installation and assembly) projects against a variety of dangers, such as fire, theft, natural damage and construction failures, design error and manufacturer risks. It covers everything from civil works to machinery and equipment installations. Main coverages include material damage, debris removal expenses and financial losses resulting from construction delays. Essential for mitigating losses and ensuring the successful completion of projects.
Civil Liability Insurance – RC (General, Works, Environmental, Events and others)
Civil Liability Insurance protects the insured against claims received from third parties for bodily injury, material damage, financial loss or losses resulting from their activities and their responsibility. The main coverage includes expenses for repairing bodily damage, material damage, moral damage, legal costs and medical expenses. Depending on the specificity, there are specific modalities such as environmental civil liability, RC for works, events and other specific activities.
D&O Insurance – Directors & Officers
D&O Insurance (Directors & Officers Liability Insurance) D&O insurance (“Directors and Officers Liability Insurance”) is a type of civil liability insurance that aims to protect the assets of senior executives, directors, administrators, advisors and managers of companies when held liable, judicially or administratively, for decisions that caused involuntary material, bodily or moral damage to third parties. It is protection for the executive in cases brought against him resulting from acts of his management.
E&O Insurance – Errors and Omissions
The E&O product, which means "Errors and Omissions" in English, is a type of insurance aimed at professionals who provide specialized services, such as lawyers, doctors, consultants, engineers, among others. This insurance provides coverage in the event of claims made by customers due to professional errors, negligence or omissions during the provision of services. It can help cover legal costs, compensation and other expenses associated with legal proceedings resulting from allegations of error or professional misconduct. In summary, E&O insurance is important protection for professionals who face legal risks arising from the nature of their work.
Guarantee Insurance (judicial, competition, performance, rental guarantee, energy purchase)
The Guarantee insurance product is a modality that offers financial protection against losses arising from non-compliance with contractual obligations by one of the parties involved in an agreement. There are several types of Guarantee insurance, each designed to meet different needs and contexts. Here are some of the main modalities:
Judicial Guarantee: This type of insurance is used to replace or complement the guarantees required in legal proceedings, such as security in labor or tax actions. It allows companies to release capital that would otherwise be blocked in judicial deposits.
Contractual Guarantee: Also known as Performance Bond insurance, it is common in construction and service contracts. It guarantees the contractor that the contractor will fulfill his contractual obligations, providing financial compensation in case of non-compliance.
Advance Payment Guarantee: In this modality, the insured (normally the contractor) receives compensation if the supplier fails to fulfill its obligations after receiving an advance payment. It is common in contracts for the supply of goods and services.
Bidding Guarantee: Used by companies that participate in public or private bidding, this modality guarantees the bidding body that the winning company will comply with the conditions established in the notice. If the company fails to comply, the insurance offers financial compensation.
Environmental Guarantee: This type of insurance guarantees compliance with environmental obligations established by law or regulation, such as the recovery of degraded areas or the payment of fines for environmental damage.
Energy Payment Guarantee: This guarantee product is commonly used by companies operating in the energy sector, such as electricity suppliers or renewable energy companies. It works as a financial guarantee that the company will meet its payment commitments related to the production or supply of energy. In cases where a company does not meet its payment obligations, this guarantee can be activated to compensate for possible financial losses.
Rental Guarantee: A rental guarantee is a form of guarantee offered by a third party, usually an insurance company or financial institution, to guarantee compliance with the rental contract for a property. When a tenant rents a property, the owner may require a guarantee to protect against possible damage or non-payment of rent. The rental guarantee works as a commitment by the guarantor (usually the insurance company) to bear the tenant's obligations in the event of default or other contractual breaches. This offers security for both the tenant and the landlord, as it protects the interests of both parties involved in the rental contract.
Credit Insurance
Export Credit Insurance: This type of insurance is used by companies that carry out foreign trade operations, protecting them against the risk of non-payment by foreign buyers. It can cover both installment and cash sales, offering financial security to exporting companies.
Domestic Credit Insurance: Aimed at companies that carry out transactions within the country, domestic credit insurance protects against the risk of default by local customers. It is especially useful for companies that sell on installments and depend on regular cash flow to maintain their operations.
Credit Insurance policies generally cover a percentage of the total value of credit sales, offering businesses peace of mind when dealing with customers who may face financial difficulties. In addition to protecting against financial losses, Credit Insurance can also provide risk management services, including credit analysis and customer monitoring, helping companies make informed decisions about their business relationships. In summary, Credit Insurance is an important tool for mitigating the risks associated with commercial transactions, allowing companies to operate with more security and confidence.
Aviation insurance and RETA insurance
Aviation Insurance: This insurance is designed to cover risks associated with aviation, for both commercial and private aircraft. It offers protection against a variety of events, including damage to the aircraft, civil liability in the event of accidents and injuries to third parties, among others. Aviation Insurance can be subdivided into several categories, such as Hull Insurance (coverage for damage to the aircraft itself), Civil Liability Insurance (coverage for damage to third parties) and Passenger Insurance (coverage for injuries or death to passengers). This insurance is essential for aircraft owners and airline operators, ensuring financial protection in the event of incidents or accidents.
RETA Insurance (Operator or Air Carrier Liability): RETA Insurance is a legal requirement in some countries for operators of commercial aircraft. It is specifically intended to cover the civil liability of air operators in the event of damage to third parties during the operation of the aircraft. This insurance is mandatory to ensure that victims of aviation accidents can receive adequate compensation for personal or property damage. RETA Insurance is an essential part of aviation regulation in many countries and is designed to protect both passengers and people on the ground in the event of air accidents.
Marine Hull Insurance
Maritime Hull Insurance is a type of insurance designed to protect vessel owners against a series of risks related to maritime navigation. This type of insurance covers physical damage to the vessel, including collisions, groundings, fires, sinkings, explosions and other events that could cause damage to the vessel's hull, machinery and equipment. The coverage offered by Casco Marítimo Insurance may vary depending on the specific needs of the vessel owner and the conditions of the insurance contract. Generally, the policy may include:
Total and Partial Damage: Coverage for total or partial damage to the vessel, including repairs necessary to restore the vessel to its condition prior to the covered event.
Salvage and Assistance: Coverage for expenses incurred to save the vessel in the event of an emergency, such as tugboats and rescue services.
Towing and Assistance in Ports: Coverage for towing and assistance expenses in ports, if the vessel encounters difficulties during navigation.
Private Breakdown Expenses: Coverage for expenses incurred to repair damage to the vessel that is not caused by a covered event, such as normal wear and tear or manufacturing defects.
Civil Liability: Some Marine Hull Insurance policies may also include coverage for civil liability against third parties for damage caused by the insured vessel.
This type of insurance is crucial to protecting boat owners against the high costs associated with repairing or replacing a damaged vessel. Additionally, in many cases, Marine Hull Insurance is a requirement to operate a vessel, especially for commercial vessels.
P&I Insurance
P&I (Protection and Indemnity) Insurance is a specialized form of marine insurance that provides coverage for the civil liability of ship owners and operators. Unlike Marine Hull Insurance, which covers physical damage to the vessel, P&I Insurance focuses on protecting owners against third-party claims for personal injury, property damage and financial loss resulting from the vessel's operations.
The main areas of coverage offered by P&I Insurance include:
Civil Liability for Personal Injury: Coverage for bodily damage, injuries or death of crew, passengers or third parties due to accidents involving the insured vessel.
Civil Liability for Property Damage: Coverage for damage to other vessels, docks, port facilities or other third-party assets caused by collisions, groundings or other operations of the insured vessel.
Civil Liability for Pollution: Coverage for damage caused by spills of oil, chemical products or other polluting substances resulting from the operations of the insured vessel.
Salvage and Wreck Removal Expenses: Coverage for expenses incurred to save the vessel or remove wreckage in the event of an accident or grounding.
Legal Expenses and Defense Costs: Coverage for legal expenses and defense costs associated with civil liability claims against the insured vessel.
P&I Insurance is generally offered by P&I clubs, which are mutual associations of ship owners and operators. These clubs operate collectively to provide liability coverage and risk management services to their members. P&I Insurance is an essential part of financial protection for ship owners and operators, helping to mitigate the risks associated with maritime operations and ensuring they can meet their legal and financial obligations in the event of accidents or adverse events.
Port Operator Insurance
Port Operator Insurance is a type of insurance designed to protect companies that provide services within sea, river or lake ports. These companies, known as port operators, can offer a variety of services, such as terminal operation, cargo handling, towing services, stevedoring, storage, among others. This insurance is designed to cover specific risks faced by port operators during their operations, including:
Civil Liability: Coverage for bodily injury, material damage and environmental damage caused to third parties during port operations. This may include accidents involving port workers, visitors, customers, vessels, equipment or port facilities.
Damage to Equipment and Facilities: Coverage for damage or loss of equipment, machines, cranes, forklifts, port facilities and other assets used in port operations.
Salvage and Wreck Removal Expenses: Coverage for expenses incurred to rescue vessels, equipment or port facilities in the event of accidents, as well as the removal of wrecks.
Legal Expenses and Defense Costs: Coverage for legal expenses, including legal fees and defense costs, in the event of litigation or claims against the port operator.
Other Specific Coverages: Depending on the specific needs of the port operator, the insurance may include coverage for additional risks, such as theft, vandalism, loss of revenue, among others.
Port Operator Insurance is essential to protect companies operating in port environments, where risks can be significant due to the nature of operations and the presence of a variety of stakeholders. By providing coverage for a wide range of risks, this insurance helps ensure that port operators can continue their operations safely and efficiently, even in the face of unforeseen or adverse events.
Vehicle fleet insurance
Fleet Insurance is a type of insurance designed to protect a group of vehicles belonging to the same company or owner. Generally, Fleet Insurance is contracted by companies that have a fleet of commercial vehicles, such as cars, vans, trucks, buses or motorcycles, used for activities such as cargo transport, passenger transport, delivery services, among others.
Miscellaneous Risk Insurance – RD Equipamentos
RD Equipment Insurance, also known as "Machine Breakdown" or "Miscellaneous Risk Insurance for Equipment", is a type of insurance aimed at protecting specific equipment against damage or loss resulting from different types of risks.
This type of insurance is especially relevant for companies that depend on essential equipment for their operations, such as industrial machinery, construction equipment, medical equipment, IT equipment, among others.
Cyber Insurance – Cyber Risk
Cyber Risk insurance, or cyber insurance, is a type of insurance designed to protect companies, organizations and individuals against the risks and damages associated with cyber attacks and digital security breaches. This type of insurance provides financial coverage for a wide range of costs and losses related to cyber incidents, including.
Cyber Risk insurance policies can be customized according to the specific needs of the company or organization, taking into account the size, sector in which it operates, the type of data stored and other considerations. Taking out cyber insurance is an essential measure for companies seeking protection against the increasing risks and costs associated with cyber attacks and digital security breaches.
Health insurance
Health Insurance is a type of insurance that offers coverage for medical and hospital expenses, helping to protect policyholders against the costs associated with medical treatments, consultations, exams, hospital admissions and other health services. This type of insurance can be purchased by individuals, families or businesses to ensure access to quality healthcare and reduce financial risks related to unexpected medical expenses.
Life insurance
Life Insurance is a type of insurance that offers financial protection to the insured's beneficiaries in the event of their death. This type of insurance is designed to provide financial security to the insured's loved ones by helping to ensure they can handle important expenses such as funeral costs, outstanding debts, living expenses, and future plans following the loss of a primary breadwinner.
Dental Insurance
Dental Insurance is a type of insurance designed to cover expenses related to dental care and dental treatments. It offers coverage for a variety of dental services, helping to reduce costs associated with dental appointments, exams, treatments and procedures.
Non-insurable benefits (VR/VA/VT/consigned/gym)
Hawk offers specialized services to manage benefits such as Meal Voucher (VR), Food Voucher (VA), Transport Voucher (VT), payroll loans and gym memberships for customers. Managing these benefits can be a complex task for companies, especially those with a large number of employees, and having a specialized partner can help simplify and optimize the process.
Services offered by Hawk may include:
Administration of Meal Vouchers (VR) and Food Vouchers (VA): This may involve issuing and distributing benefit cards, managing monthly top-ups, supporting employees with issues related to the use of benefits and generating reports for monitoring and control.
Transport Voucher (VT) Management: This may include issuing transport vouchers, controlling balance and usage, organizing automatic top-ups and providing support for resolving VT-related problems.
Payroll Loan: Hawk can offer consultancy and intermediation services so that employees have access to payday loans under advantageous conditions, in addition to assisting in the management of installments and communication with financial institutions.
Gym Benefits: This may involve negotiating partnerships with fitness centers to offer exclusive discounts or benefits to the company's employees, as well as managing access and tracking employee membership to gym programs.
Having a specialized partner like Hawk can help companies maximize the value of their benefits programs, ensuring efficient management and offering support for both the company and employees. This can contribute to employee satisfaction, increased productivity and talent retention.
