SEMPER
Insurance Solutions
SEMPER is an international insurance broker that provides a broad range of products to support its customers and partners on the development of customized and comprehensive solutions.
Transport & Logistics
General and Professional liability
Road Haulage Operator CMR
The Liability Insurance for Road Haulage Operator – CMR includes compensation payments legally enforceable to the insured, either for losses or damages caused to the goods transported, resulting from their liability in their professional activity, under the CMR convention, DL 239/2003 and the legislation of any other country. This solution also guarantees liability related to cabotage and traction operations, as well as a broader range of optional coverages, which include the transport of temperature-controlled goods, damages to vehicles and trusted equipment, among others.
General and Professional Liability – Freight Forwarder
The complexity of logistic chains makes the Freight Forwarder Liability insurance crucial to the appropriate coverage of transport or storage process. As a mandatory insurance, this solution is in accordance with all legal requirements.
Currently, this type of insurance policy has an essential role for the logistics sector, ensuring the entire chain, including subcontractors. The product developed by SEMPER covers the most diverse risks that can affect the forwarding industry.
Truck and Trailer
The All Risks cover insurance for transport vehicles stands out as a differentiating approach in the market, providing the guarantee of damages to the vehicles, with guarantees that go beyond what the traditional insurances offer, including contributions for general average, damages caused by the goods, loading/unloading operations, among others.
Transported Goods
The tranquillity of knowing that goods are protected at every stage, whether domestically or internationally, is possible with transport insurance from SEMPER. Through this product, we guarantee flexible coverage, and a policy adjusted according to the unique characteristics of each business’s goods, as well as the mode of transport used – complete protection by air, land or sea, from loading operations to the final step.
Aimed at exporters, importers, transit and logistics operators, we cover operations with a wide geographical scope and against various potential risks, excluding only areas subject to sanctions or conflicts, preventing loss and damage for a smooth process at every moment of the supply chain.
Hull Machinery
An all-risk coverage in which the insurer pays compensation for unforeseen damage or destruction of the insured property. Includes protection against fire, natural disasters, theft, road risk, transport risk and many other scenarios, such as cleaning and transport, and is intended for equipment such as cranes, excavators, tractors and various other types of machinery.
Agro
Greenhouse Farming
The present-day reality of the greenhouse cultivation sector and the close collaboration with international specialized markets allows SEMPER’s team of experts to develop flexible solutions tailored to each company.
The insurance for cultures in greenhouses guarantees structures and equipment, but above all, the losses of income resulting from damages suffered by the crops. This innovative solution further includes important technical support specialized in risk assessment and safe limits.
Parametric Insurance
Climate Indixes
Climate change have increased the risks of exposure of several industries to adverse weather events. Parametric insurance is positioned as a particularly effective product for these risks by being indexed to a particular natural event (temperature, rain, humidity or other).
With a particular focus on innovation, SEMPER has been increasing its Climate Indixes portfolio through close contact with international insurance companies and insurtechs, ensuring the availability of these products to several sectors, which are vital to the economy, such as Agriculture, Manufacturing industry, Construction and Energy.
These insurance policies are characterized by the high level of customization, as well as the simplicity of compensation payments, giving major security and stability to the insured companies.
Entertainment and leisure Industry
Cinema, Events and Contingencies
The entertainment and leisure industry, due to its great exposure to unpredictable and non-controllable factors, requires a coverage capable of minimizing unexpected situations.
The Cinema, Events and Contingencies policy is destined to cover the risks of producers and/or promoters in events such as festivals, sports events, fairs, conferences, fashion shows, theatre performances, among others. The products provided by SEMPER insure the financial losses resulting from, for example, cancellation, interruption or postponement of events, non-appearance of essential guests and damages to equipment.
Regardless of the duration, format or size of the event or production, SEMPER will always tailor its solution to every need.
Equine
Equine
With the support of specialized partners, with vast experience and know-how, strengthened by the great proximity to veterinarians and other important players in the sector, SEMPER offers extended and flexible coverage to horse owners.
SEMPER develops products for the most varied activities in the sector, being currently one of the main independent suppliers of Equine insurances. It’s solutions include, among other possibilities, coverage for theft or robbery, surgical fees, euthanasia, death by accident or illness, legal protection, medical fees, deprivation and civil liability.
Cyber
Cyber
As companies increasingly use technology to operate digital assets, they become more valuable and vulnerable.
Cyber insurance – also known as cyber liability insurance or cyber security insurance – is designed, by the international insurance market and experienced operators, to guarantee expenses, liabilities and operating losses arising from cyber-crimes that the insured is the target of.
