{"id":6386,"date":"2025-08-26T12:54:26","date_gmt":"2025-08-26T15:54:26","guid":{"rendered":"https:\/\/casadoseguro.org.br\/?page_id=6386"},"modified":"2026-02-20T10:33:30","modified_gmt":"2026-02-20T13:33:30","slug":"esg","status":"publish","type":"page","link":"https:\/\/casadoseguro.org.br\/es\/esg\/","title":{"rendered":"ESG"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6386\" class=\"elementor elementor-6386\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12346b7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"12346b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c58a7f4 she-header-yes she-header-transparent-yes jkit-sticky-element--enabled jkit-sticky-element--hide-on-scroll e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-column-slider-no wpr-equal-height-no jkit-sticky-element-on--down jkit-sticky-position--sticky e-con e-child\" data-id=\"c58a7f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;transparent&quot;:&quot;yes&quot;,&quot;scroll_distance&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;transparent_header_show&quot;:&quot;yes&quot;,&quot;jkit_sticky_device&quot;:&quot;desktop&quot;,&quot;jkit_sticky_top_position&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;transparent_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;scroll_distance_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_distance_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_offset_top&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;she_offset_top_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_offset_top_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;she_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;she_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:0,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:0,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;she_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;she_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0921b49 animated-slow elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no elementor-invisible e-con e-child\" data-id=\"0921b49\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-670d2b5 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"670d2b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5509ba7 elementor-widget elementor-widget-image\" data-id=\"5509ba7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/casadoseguro.org.br\/novo\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"162\" height=\"70\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/Logo_Laranja_CNSeg-1.png\" class=\"attachment-full size-full wp-image-5729\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fd5e69 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7fd5e69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06676e5 elementor-nav-menu__align-justify elementor-nav-menu__text-align-center elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"06676e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-06676e5\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4974\"><a href=\"https:\/\/casadoseguro.org.br\/#sobre\" class=\"elementor-item elementor-item-anchor\">Sobre a Casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4975\"><a href=\"https:\/\/casadoseguro.org.br\/#empoderadores\" class=\"elementor-item elementor-item-anchor\">Empoderadores<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4976\"><a href=\"https:\/\/casadoseguro.org.br\/#imprensa\" class=\"elementor-item elementor-item-anchor\">Not\u00edcias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7994\"><a href=\"https:\/\/casadoseguro.org.br\/es\/programacao\/\" class=\"elementor-item\">Programa\u00e7\u00e3o<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7244\"><a href=\"https:\/\/casadoseguro.org.br\/es\/esg\/\" class=\"elementor-item\">Agenda Clim\u00e1tica<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-9918\"><a href=\"https:\/\/www.flickr.com\/photos\/139511148@N03\/albums\/72177720330287006\" class=\"elementor-item\">Galeria de Fotos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4977\"><a href=\"https:\/\/casadoseguro.org.br\/#contato\" class=\"elementor-item elementor-item-anchor\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Alternar men\u00fa\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-06676e5\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4974\"><a href=\"https:\/\/casadoseguro.org.br\/#sobre\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Sobre a Casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4975\"><a href=\"https:\/\/casadoseguro.org.br\/#empoderadores\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Empoderadores<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4976\"><a href=\"https:\/\/casadoseguro.org.br\/#imprensa\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Not\u00edcias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7994\"><a href=\"https:\/\/casadoseguro.org.br\/es\/programacao\/\" class=\"elementor-item\" tabindex=\"-1\">Programa\u00e7\u00e3o<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7244\"><a href=\"https:\/\/casadoseguro.org.br\/es\/esg\/\" class=\"elementor-item\" tabindex=\"-1\">Agenda Clim\u00e1tica<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-9918\"><a href=\"https:\/\/www.flickr.com\/photos\/139511148@N03\/albums\/72177720330287006\" class=\"elementor-item\" tabindex=\"-1\">Galeria de Fotos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4977\"><a href=\"https:\/\/casadoseguro.org.br\/#contato\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f22fad8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f22fad8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10e133f elementor-widget elementor-widget-html\" data-id=\"10e133f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"lang-inline\" data-no-translation=\"true\">\r\n  <!-- Portugu\u00eas -->\r\n  <a href=\"#\" data-lang=\"pt\" aria-label=\"Portugu\u00eas\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/br.svg\" alt=\"Portugu\u00eas\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n\r\n  <!-- Ingl\u00eas -->\r\n  <a href=\"#\" data-lang=\"en\" aria-label=\"English\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/us.svg\" alt=\"English\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n\r\n  <!-- Espanhol -->\r\n  <a href=\"#\" data-lang=\"es\" aria-label=\"Espa\u00f1ol\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/es.svg\" alt=\"Espa\u00f1ol\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n<\/div>\r\n\r\n<style>\r\n  .lang-inline {\r\n    display: flex !important;\r\n    gap: 12px !important;\r\n    align-items: center !important;\r\n    justify-content: flex-start !important; \/* desktop alinhado \u00e0 esquerda *\/\r\n  }\r\n\r\n  .lang-flag {\r\n    width: 25px !important;\r\n    height: 25px !important;\r\n    border-radius: 50% !important;\r\n    object-fit: cover !important;\r\n    transition: transform 0.2s ease-in-out;\r\n  }\r\n\r\n  .lang-flag:hover {\r\n    transform: scale(1.1);\r\n  }\r\n\r\n  \/* Mobile centralizado *\/\r\n  @media (max-width: 768px) {\r\n    .lang-inline {\r\n      justify-content: center !important;\r\n    }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc8700d animated-slow e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no elementor-invisible e-con e-child\" data-id=\"bc8700d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2338d32 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2338d32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44d649b elementor-widget elementor-widget-image\" data-id=\"44d649b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/casadoseguro.org.br\/novo\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/elementor\/thumbs\/Logo_Laranja_CNSeg-1-ragfgwftj78zaz6dn1ajnlffa2hjolutn9jwqatxc0.png\" title=\"Logo_Laranja_CNSeg\" alt=\"Logo_Laranja_CNSeg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d66391 elementor-nav-menu__align-center elementor-nav-menu__text-align-center elementor-nav-menu--stretch elementor-widget-mobile__width-initial elementor-nav-menu--dropdown-tablet elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"9d66391\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-9d66391\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4974\"><a href=\"https:\/\/casadoseguro.org.br\/#sobre\" class=\"elementor-item elementor-item-anchor\">Sobre a Casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4975\"><a href=\"https:\/\/casadoseguro.org.br\/#empoderadores\" class=\"elementor-item elementor-item-anchor\">Empoderadores<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4976\"><a href=\"https:\/\/casadoseguro.org.br\/#imprensa\" class=\"elementor-item elementor-item-anchor\">Not\u00edcias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7994\"><a href=\"https:\/\/casadoseguro.org.br\/es\/programacao\/\" class=\"elementor-item\">Programa\u00e7\u00e3o<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7244\"><a href=\"https:\/\/casadoseguro.org.br\/es\/esg\/\" class=\"elementor-item\">Agenda Clim\u00e1tica<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-9918\"><a href=\"https:\/\/www.flickr.com\/photos\/139511148@N03\/albums\/72177720330287006\" class=\"elementor-item\">Galeria de Fotos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4977\"><a href=\"https:\/\/casadoseguro.org.br\/#contato\" class=\"elementor-item elementor-item-anchor\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Alternar men\u00fa\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-9d66391\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4974\"><a href=\"https:\/\/casadoseguro.org.br\/#sobre\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Sobre a Casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4975\"><a href=\"https:\/\/casadoseguro.org.br\/#empoderadores\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Empoderadores<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4976\"><a href=\"https:\/\/casadoseguro.org.br\/#imprensa\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Not\u00edcias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7994\"><a href=\"https:\/\/casadoseguro.org.br\/es\/programacao\/\" class=\"elementor-item\" tabindex=\"-1\">Programa\u00e7\u00e3o<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7244\"><a href=\"https:\/\/casadoseguro.org.br\/es\/esg\/\" class=\"elementor-item\" tabindex=\"-1\">Agenda Clim\u00e1tica<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-9918\"><a href=\"https:\/\/www.flickr.com\/photos\/139511148@N03\/albums\/72177720330287006\" class=\"elementor-item\" tabindex=\"-1\">Galeria de Fotos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-4977\"><a href=\"https:\/\/casadoseguro.org.br\/#contato\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Contato<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-884d56f elementor-widget-mobile__width-initial elementor-widget elementor-widget-html\" data-id=\"884d56f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"lang-inline\" data-no-translation=\"true\">\r\n  <!-- Portugu\u00eas -->\r\n  <a href=\"#\" data-lang=\"pt\" aria-label=\"Portugu\u00eas\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/br.svg\" alt=\"Portugu\u00eas\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n\r\n  <!-- Ingl\u00eas -->\r\n  <a href=\"#\" data-lang=\"en\" aria-label=\"English\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/us.svg\" alt=\"English\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n\r\n  <!-- Espanhol -->\r\n  <a href=\"#\" data-lang=\"es\" aria-label=\"Espa\u00f1ol\">\r\n    <img decoding=\"async\" src=\"https:\/\/flagicons.lipis.dev\/flags\/4x3\/es.svg\" alt=\"Espa\u00f1ol\"\r\n         class=\"lang-flag\">\r\n  <\/a>\r\n<\/div>\r\n\r\n<style>\r\n  .lang-inline {\r\n    display: flex !important;\r\n    gap: 12px !important;\r\n    align-items: center !important;\r\n    justify-content: flex-start !important; \/* desktop alinhado \u00e0 esquerda *\/\r\n  }\r\n\r\n  .lang-flag {\r\n    width: 25px !important;\r\n    height: 25px !important;\r\n    border-radius: 50% !important;\r\n    object-fit: cover !important;\r\n    transition: transform 0.2s ease-in-out;\r\n  }\r\n\r\n  .lang-flag:hover {\r\n    transform: scale(1.1);\r\n  }\r\n\r\n  \/* Mobile centralizado *\/\r\n  @media (max-width: 768px) {\r\n    .lang-inline {\r\n      justify-content: center !important;\r\n    }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2d0b7c elementor-widget-mobile__width-initial elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"b2d0b7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- BANDEIRAS FIXAS: sempre lado a lado -->\r\n<div class=\"lang-inline\" data-no-translation=\"true\" style=\"display:flex;align-items:center;gap:10px;flex-wrap:nowrap;\">\r\n  <a href=\"#\" data-lang=\"pt\" aria-label=\"Portugu\u00eas\" style=\"display:inline-flex;width:auto;margin:0;padding:2px;border-radius:6px;text-decoration:none;\">\r\n    <img decoding=\"async\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/plugins\/translatepress-multilingual\/assets\/images\/flags\/pt_BR.png\" alt=\"pt_BR\" width=\"22\" height=\"14\" style=\"display:block;border:0;box-shadow:none;\">\r\n  <\/a>\r\n  <a href=\"#\" data-lang=\"en\" aria-label=\"English\" style=\"display:inline-flex;width:auto;margin:0;padding:2px;border-radius:6px;text-decoration:none;\">\r\n    <img decoding=\"async\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/plugins\/translatepress-multilingual\/assets\/images\/flags\/en_US.png\" alt=\"en_US\" width=\"22\" height=\"14\" style=\"display:block;border:0;box-shadow:none;\">\r\n  <\/a>\r\n  <a href=\"#\" data-lang=\"es\" aria-label=\"Espa\u00f1ol\" style=\"display:inline-flex;width:auto;margin:0;padding:2px;border-radius:6px;text-decoration:none;\">\r\n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/plugins\/translatepress-multilingual\/assets\/images\/flags\/es_ES.png\" alt=\"es_ES\" width=\"22\" height=\"14\" style=\"display:block;border:0;box-shadow:none;\">\r\n  <\/a>\r\n<\/div>\r\n\r\n<script>\r\n(function() {\r\n  var langs = ['en','es'];\r\n  var base  = 'pt'; \/\/ idioma padr\u00e3o SEM prefixo\r\n\r\n  function targetPath(lang){\r\n    var path = location.pathname.replace(\/^\\\/(en|es)(\\\/|$)\/i, '\/');\r\n    return (lang === base ? '' : '\/' + lang) + path;\r\n  }\r\n\r\n  document.querySelectorAll('.lang-inline a').forEach(function(a){\r\n    a.addEventListener('click', function(e){\r\n      e.preventDefault();\r\n      var lang = a.getAttribute('data-lang');\r\n      var newPath = targetPath(lang) + location.search + location.hash;\r\n      location.href = newPath.replace(\/\\\/{2,}\/g,'\/');\r\n    });\r\n  });\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c04fddd e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"c04fddd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-242651e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"242651e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-21e34fc e-con-full animated-slow e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no elementor-invisible e-con e-child\" data-id=\"21e34fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb8f901 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"eb8f901\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O PAPEL DO SEGURO NA<br \/><strong>TRANSI\u00c7\u00c3O CLIM\u00c1TICA<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e88ff01 elementor-widget elementor-widget-spacer\" data-id=\"e88ff01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b26048 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4b26048\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ac5a319 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ac5a319\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50773c5 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"50773c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n1.png\" class=\"attachment-full size-full wp-image-6454\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n1.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n1-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Seguro<br>\ne clima<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24f50db e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"24f50db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70dd145 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"70dd145\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n2.png\" class=\"attachment-full size-full wp-image-6455\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n2.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n2-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Resili\u00eancia e<br>\nestabilidade<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8828208 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"8828208\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cedc07 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"6cedc07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n3.png\" class=\"attachment-full size-full wp-image-6456\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n3.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n3-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Pioneirismo em<br>\nsustentabilidade<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ab71bb e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1ab71bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a473424 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"a473424\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n4.png\" class=\"attachment-full size-full wp-image-6457\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n4.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n4-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Alcance do<br>\nseguro no Brasil<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68732d4 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"68732d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1e9f90d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"1e9f90d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-814069f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"814069f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-079701c elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"079701c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n5.png\" class=\"attachment-full size-full wp-image-6458\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n5.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n5-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Perdas globais com<br>\ndesastres naturais<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f9a43b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5f9a43b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2096bf elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"a2096bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n6.png\" class=\"attachment-full size-full wp-image-6459\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n6.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n6-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Agenda do setor na<br>\nadapta\u00e7\u00e3o clim\u00e1tica<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d02bf4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5d02bf4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-525d195 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"525d195\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"228\" height=\"200\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n7.png\" class=\"attachment-full size-full wp-image-6460\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n7.png 228w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/n7-14x12.png 14w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Reflexos econ\u00f4micos da<br>\nmudan\u00e7a clim\u00e1tica no Brasil<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c2c3e7 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"5c2c3e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33b173b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"33b173b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f329f2a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f329f2a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0752f2 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b0752f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SEGURO E CLIMA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b536f77 animated-slow elementor-hidden-desktop elementor-hidden-tablet elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b536f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No ano em que o Brasil receber\u00e1 a COP30, em Bel\u00e9m, o alerta para a frequ\u00eancia e a intensidade dos eventos clim\u00e1ticos extremos \u00e9 preocupante.<\/p><p>Em termos globais, as <strong>perdas econ\u00f4micas <\/strong><strong>de 2024<\/strong>, decorrentes de desastres naturais, chegaram a <strong>US$ 368 bilh\u00f5es<\/strong>, sendo que <strong>apenas 40% delas estavam seguradas<\/strong>, evidenciando uma lacuna de prote\u00e7\u00e3o de aproximadamente US$ 211 bilh\u00f5es.<\/p><p>No Brasil, o cen\u00e1rio tem sido igualmente alarmante: entre 2013 e 2022, perdas no setor privado totalizaram R$ 320,1 bilh\u00f5es, com <strong>90% concentradas na agricultura <\/strong><strong>e pecu\u00e1ria<\/strong>.<\/p><p>Em 2024, uma conjuga\u00e7\u00e3o de eventos colocou o pa\u00eds no mapa global de altos riscos, integrando o grupo das localidades mais atingidas por desastres clim\u00e1ticos. Foram registrados <strong>1.690 eventos naturais <\/strong><strong>em todo o territ\u00f3rio brasileiro<\/strong>, uma m\u00e9dia superior a quatro por dia.<\/p><p>Entre os epis\u00f3dios mais dram\u00e1ticos estiveram os <strong>inc\u00eandios florestais<\/strong> que impactaram 15,4 milh\u00f5es de pessoas em v\u00e1rias regi\u00f5es do pa\u00eds, com destaque para o bioma Amaz\u00f4nia, gerando danos de R$ 1,3 bilh\u00e3o; e <strong>as chuvas intensas do <\/strong><strong>Rio Grande do Sul<\/strong> que, em intensidade raramente vista, totalizaram <strong>preju\u00edzos estimados em quase R$ 100 bilh\u00f5es<\/strong>, com somente 6% das perdas amparadas pela prote\u00e7\u00e3o do seguro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336b489 animated-slow elementor-widget__width-initial elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"336b489\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No ano em que o Brasil receber\u00e1 a COP30, em Bel\u00e9m, o alerta para a frequ\u00eancia e a intensidade dos eventos clim\u00e1ticos extremos \u00e9 preocupante.<\/p><p>Em termos globais, as <strong>perdas econ\u00f4micas de 2024<\/strong>, decorrentes de desastres naturais, chegaram a <strong>US$ 368 bilh\u00f5es<\/strong>, sendo que <strong>apenas 40% delas estavam seguradas<\/strong>, evidenciando uma lacuna de prote\u00e7\u00e3o de aproximadamente US$ 211 bilh\u00f5es.<\/p><p>No Brasil, o cen\u00e1rio tem sido igualmente alarmante: entre 2013 e 2022, perdas no setor privado totalizaram R$ 320,1 bilh\u00f5es, com <strong>90% concentradas na agricultura e pecu\u00e1ria<\/strong>.<\/p><p>Em 2024, uma conjuga\u00e7\u00e3o de eventos colocou o pa\u00eds no mapa global de altos riscos, integrando o grupo das localidades mais atingidas por desastres clim\u00e1ticos. Foram registrados <strong>1.690 eventos naturais em todo o territ\u00f3rio brasileiro<\/strong>, uma m\u00e9dia superior a quatro por dia.<\/p><p>Entre os epis\u00f3dios mais dram\u00e1ticos estiveram os <strong>inc\u00eandios florestais<\/strong> que impactaram 15,4 milh\u00f5es de pessoas em v\u00e1rias regi\u00f5es do pa\u00eds, com destaque para o bioma Amaz\u00f4nia, gerando danos de R$ 1,3 bilh\u00e3o; e as <strong>chuvas intensas do Rio Grande do Sul<\/strong> que, em intensidade raramente vista, totalizaram <strong>preju\u00edzos estimados em quase R$ 100 bilh\u00f5es<\/strong>, com somente 6% das perdas amparadas pela prote\u00e7\u00e3o do seguro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c2ba9 elementor-widget__width-inherit elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"d9c2ba9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Bloco Urg\u00eancia Clim\u00e1tica -->\r\n<div class=\"uc-wrap\">\r\n  <!-- COLUNA ESQUERDA -->\r\n  <div class=\"uc-left\">\r\n    <p>\r\n      EM TEMPOS DE URG\u00caNCIA CLIM\u00c1TICA,<br>\r\n      A CNSEG REITERA O COMPROMISSO DO<br>\r\n      SETOR DE SEGUROS EM CONTRIBUIR PARA O<br>\r\n      PROTAGONISMO DO BRASIL NA AGENDA<br>\r\n      DO CLIMA, OFERECENDO SOLU\u00c7\u00d5ES PARA<br>\r\n      PROTE\u00c7\u00c3O SOCIAL E DE INVESTIMENTOS.\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- COLUNA DIREITA -->\r\n  <div class=\"uc-right\">\r\n    <ol>\r\n      <li>Seguro Social Cat\u00e1strofe<\/li>\r\n      <li>Green Bonds e Investimentos Sustent\u00e1veis<\/li>\r\n      <li>Prote\u00e7\u00e3o de Investimentos em Infraestrutura<\/li>\r\n      <li>Seguro Rural e Fundo Rural<\/li>\r\n      <li>Hub de Riscos Clim\u00e1ticos<\/li>\r\n      <li>Taxonomia Sustent\u00e1vel Brasileira<\/li>\r\n      <li>Solu\u00e7\u00f5es Baseadas na Natureza<\/li>\r\n    <\/ol>\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n  :root{\r\n    --green:#009846;\r\n    --light:#e5f5ee;\r\n    --font:'Futura St Medium','Futura PT','Futura','Arial',sans-serif;\r\n  }\r\n\r\n  .uc-wrap{\r\n    display:grid;\r\n    grid-template-columns: 1fr 1.2fr;\r\n    max-width:1200px;\r\n    margin:30px auto;\r\n    padding:0px;\r\n    border-radius:0;\r\n    align-items:stretch;\r\n    gap:0;\r\n  }\r\n\r\n  \/* COLUNA ESQUERDA *\/\r\n  .uc-left{\r\n    border:2px solid var(--green);\r\n    border-right:none;\r\n    border-radius:16px 0 0 16px;\r\n    background:#fff;\r\n    display:flex;\r\n    align-items:center;\r\n    justify-content:center;\r\n    padding:20px 25px;\r\n    text-align:right;\r\n    font-family:var(--font);\r\n    font-size:18px;\r\n    font-weight:500;\r\n    line-height:1.6;\r\n    color:#000;\r\n  }\r\n  .uc-left p{ margin:0; }\r\n\r\n  \/* COLUNA DIREITA *\/\r\n  .uc-right{\r\n    background:var(--green);\r\n    color:#fff;\r\n    border-radius:0 16px 16px 0;\r\n    padding:30px 40px;\r\n    font-family:var(--font);\r\n    display:flex;\r\n    align-items:center;\r\n  }\r\n  .uc-right ol{\r\n    margin:0;\r\n    padding-left:20px;\r\n    font-size:18px;\r\n    line-height:1.8;\r\n  }\r\n  .uc-right li{\r\n    margin-bottom:6px;\r\n  }\r\n\r\n  \/* RESPONSIVO *\/\r\n  @media (max-width: 900px){\r\n    .uc-wrap{\r\n      grid-template-columns:1fr;\r\n    }\r\n    .uc-left{\r\n      border-radius:16px 16px 0 0;\r\n      border-right:2px solid var(--green);\r\n      text-align:center;\r\n      font-size:15px; \/* fonte menor no mobile *\/\r\n    }\r\n    .uc-right{\r\n      border-radius:0 0 16px 16px;\r\n    }\r\n    .uc-right ol{\r\n      font-size:15px; \/* fonte menor no mobile *\/\r\n    }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a00a63 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5a00a63\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-10ea4ad e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"10ea4ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42c54e1 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"42c54e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">RESILI\u00caNCIA E ESTABILIDADE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3371b9 elementor-widget elementor-widget-html\" data-id=\"b3371b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Bloco Mercado Segurador -->\r\n<div class=\"ms-wrap\">\r\n  <!-- COLUNA ESQUERDA -->\r\n  <div class=\"ms-col ms-col-left\">\r\n    <p class=\"ms-hero\">\r\n      <span class=\"ms-green\">O mercado<br>segurador gera<\/span><br>\r\n      <span class=\"ms-orange ms-266\">266 mil<\/span><br>\r\n      <span class=\"ms-green\">empregos<br>diretos e<br>responde pelo<br>pagamento de<\/span><br>\r\n      <span class=\"ms-orange ms-valor\">R$ 70 bilh\u00f5es<\/span><br>\r\n      <span class=\"ms-green\">em impostos.<\/span>\r\n    <\/p>\r\n  <\/div>\r\n\r\n  <!-- DIVISOR -->\r\n  <div class=\"ms-divider\" aria-hidden=\"true\"><\/div>\r\n\r\n  <!-- COLUNA DIREITA -->\r\n  <div class=\"ms-col ms-col-right\">\r\n    <p>\r\n      A adapta\u00e7\u00e3o clim\u00e1tica tem imposto desafios significativos \u00e0 sociedade e \u00e0 economia\r\n      global. Essa \u00e9 uma realidade que demanda urg\u00eancia na implementa\u00e7\u00e3o de medidas\r\n      para mitigar riscos e proteger vidas, patrim\u00f4nios e investimentos.\r\n    <\/p>\r\n\r\n    <p>\r\n      Neste contexto, o setor de seguros consolida sua voca\u00e7\u00e3o como fonte de intelig\u00eancia e\r\n      oferta de solu\u00e7\u00f5es que promovem a resili\u00eancia e a estabilidade diante das\r\n      incertezas clim\u00e1ticas.\r\n    <\/p>\r\n\r\n    <p>\r\n      Historicamente, o setor experimenta uma s\u00f3lida trajet\u00f3ria de crescimento,\r\n      oferecendo importante contribui\u00e7\u00e3o para o desenvolvimento sustent\u00e1vel do Brasil.\r\n      Como investidor institucional, financia 26% da d\u00edvida p\u00fablica nacional, com ativos\r\n      financeiros da ordem de R$ 2,3 trilh\u00f5es e arrecada\u00e7\u00e3o setorial que alcan\u00e7a 6,2% do\r\n      PIB, colocando o Brasil como mercado l\u00edder na Am\u00e9rica Latina e 12\u00ba em escala global.\r\n    <\/p>\r\n\r\n    <p>\r\n      O mercado segurador gera 266 mil empregos diretos e responde pelo pagamento de\r\n      cerca de R$ 70 bilh\u00f5es em impostos.\r\n    <\/p>\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n  :root{\r\n    --green:#009846;\r\n    --orange:#F16522;\r\n    --font:'Futura St Medium','Futura PT','Futura','Arial',sans-serif;\r\n  }\r\n\r\n  .ms-wrap{\r\n    box-sizing:border-box;\r\n    max-width:1200px;\r\n    margin:0 auto;\r\n    padding:50px;\r\n    display:grid;\r\n    grid-template-columns: 1fr 12px 2fr;\r\n    column-gap:28px;\r\n    align-items:start;\r\n    background:#fff;\r\n  }\r\n\r\n  \/* COLUNA ESQUERDA *\/\r\n  .ms-col-left{\r\n    font-family:var(--font);\r\n    text-align:right;\r\n  }\r\n\r\n  .ms-hero{\r\n    margin:0;\r\n    font-weight:600;\r\n    font-size:30px;\r\n    padding-top:80px;\r\n    padding-right:20px;\r\n    line-height:1.15;\r\n  }\r\n\r\n  .ms-green{ color:var(--green); }\r\n  .ms-orange{ color:var(--orange); }\r\n\r\n  .ms-266{\r\n    font-size:72px;\r\n    font-weight:700;\r\n    line-height:1.05;\r\n    display:inline-block;\r\n  }\r\n\r\n  .ms-valor{\r\n    font-size:36px;\r\n    font-weight:700;\r\n    line-height:1.1;\r\n    padding-top:10px;\r\n    display:inline-block;\r\n  }\r\n\r\n  \/* DIVISOR *\/\r\n  .ms-divider{\r\n    width:0;\r\n    border-left:3px solid var(--green);\r\n    align-self:stretch;\r\n  }\r\n\r\n  \/* COLUNA DIREITA *\/\r\n  .ms-col-right{\r\n    font-family:var(--font);\r\n    font-size:18px;\r\n    line-height:1.8;\r\n    text-align:justify;\r\n    color:#000;\r\n  }\r\n  .ms-col-right p{ margin:0 0 20px 0; }\r\n\r\n  \/* RESPONSIVO *\/\r\n  @media (max-width: 980px){\r\n    .ms-wrap{\r\n      grid-template-columns:1fr;\r\n      row-gap:20px;\r\n      padding:20px; \/* padding menor no mobile *\/\r\n    }\r\n    .ms-divider{ display:none; }\r\n\r\n    .ms-col-right{ \r\n      font-size:16px; \r\n      line-height:1.7; \r\n      text-align:justify; \/* centraliza no mobile *\/\r\n    }\r\n\r\n    .ms-hero{ \r\n      font-size:26px; \r\n      text-align:center; \/* centraliza o bloco da esquerda *\/\r\n      padding-right:0; \r\n    }\r\n\r\n    .ms-266{ font-size:56px; }\r\n    .ms-valor{ font-size:30px; }\r\n    .ms-col-left{ text-align:center; }\r\n  }\r\n\r\n  @media (max-width: 640px){\r\n    .ms-col-right{ font-size:15px; }\r\n    .ms-hero{ font-size:22px; }\r\n    .ms-266{ font-size:48px; }\r\n    .ms-valor{ font-size:26px; }\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbf36b4 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"cbf36b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ba74631 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ba74631\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325a4c8 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"325a4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PIONEIRISMO E SUSTENTABILIDADE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c09df69 animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c09df69\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A agenda de sustentabilidade do setor de seguros precede o foco dado ao tema em tempos recentes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f3b4df elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"0f3b4df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"pt-BR\">\r\n<head>\r\n  <meta charset=\"UTF-8\">\r\n  <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n  <title>Linha do Tempo<\/title>\r\n  <style>\r\n    body {\r\n      margin: 0;\r\n      font-family: 'Futura St Medium','Futura PT','Futura','Arial',sans-serif;\r\n    }\r\n\r\n    .timeline {\r\n      position: relative;\r\n      display: flex;\r\n      justify-content: space-between;\r\n      align-items: flex-start;\r\n      text-align: center;\r\n      padding: 40px 20px;\r\n      border-radius: 20px; \/* BORDAS ARREDONDADAS *\/\r\n      color: white;\r\n      background: url('https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/representacao-da-ecologia-e-da-sustentabilidade-e1756268578931.jpg') center\/cover no-repeat;\r\n    }\r\n\r\n    \/* Sobreposi\u00e7\u00e3o colorida *\/\r\n    .timeline::before {\r\n      content: \"\";\r\n      position: absolute;\r\n      top: 0;\r\n      left: 0;\r\n      width: 37%;\r\n      height: 100%;\r\n      border-radius: 20px 0px 0px 20px; \/* BORDAS ARREDONDADAS *\/\r\n       background: rgba(0, 150, 100, 0.9);\r\n      z-index: 0;\r\n    }\r\n    .timeline::after {\r\n      content: \"\";\r\n      position: absolute;\r\n      top: 0;\r\n      right: 0;\r\n      width: 63%;\r\n      height: 100%;\r\n      border-radius: 0px 20px 20px 0px; \/* BORDAS ARREDONDADAS *\/\r\n      background: rgba(0, 150, 100, 0.9);\r\n      z-index: 0;\r\n    }\r\n\r\n    \/* Linha horizontal *\/\r\n    .line {\r\n      position: absolute;\r\n      top: 160px;\r\n      left: 5%;\r\n      width: 90%;\r\n      height: 5px;\r\n      background: white;\r\n      z-index: 1;\r\n    }\r\n\r\n    \/* Colunas *\/\r\n    .col {\r\n      position: relative;\r\n      flex: 1;\r\n      z-index: 2;\r\n      padding-top: 30px;\r\n    }\r\n\r\n    .col h1 {\r\n      font-size: 80px;\r\n      margin: 0;\r\n      font-weight: 700;\r\n      margin-bottom: 60px;\r\n    }\r\n\r\n    .col p {\r\n      font-size: 18px;\r\n      line-height: 1.5;\r\n      margin-top: 40px;\r\n      font-weight: 300;\r\n    }\r\n\r\n    \/* Bolinhas *\/\r\n    .dot {\r\n      width: 20px;\r\n      height: 20px;\r\n      background: white;\r\n      border-radius: 50%;\r\n      position: absolute;\r\n      top: 111px;\r\n      left: 50%;\r\n      transform: translateX(-50%);\r\n      z-index: 2;\r\n    }\r\n\r\n    \/* Cores dos anos *\/\r\n    .col.left h1 { color: white; }\r\n    .col.middle h1 { color: white; }\r\n    .col.right h1 { color: white; }\r\n\r\n    \/* ====== RESPONSIVIDADE ====== *\/\r\n    @media (max-width: 768px) {\r\n      .timeline {\r\n        flex-direction: column;\r\n        align-items: center;\r\n        padding: 40px 10px;\r\n        border-radius: 20px\r\n      }\r\n\r\n     \/* esconde linha e bolinhas *\/\r\n      .line,\r\n      .dot {\r\n        display: none;\r\n      }\r\n\r\n      .col {\r\n        width: 100%;\r\n        padding-top: 40px;\r\n        text-align: center;\r\n      }\r\n\r\n      .col h1 {\r\n        font-size: 40px;\r\n        margin-bottom: 20px;\r\n      }\r\n\r\n      .col p {\r\n        font-size: 15px;\r\n        margin-top: 10px;\r\n      }\r\n    }\r\n  <\/style>\r\n<\/head>\r\n<body>\r\n  <div class=\"timeline\">\r\n    <div class=\"line\"><\/div>\r\n\r\n    <!-- Coluna 2006 -->\r\n    <div class=\"col left\">\r\n      <div class=\"dot\"><\/div>\r\n      <h1>2006<\/h1>\r\n      <p>CRIA\u00c7\u00c3O DO HUB<br>PR\u00d3-SUSTENTABILIDADE,<br>\r\n      NO \u00c2MBITO DA UNEP-FI<\/p>\r\n    <\/div>\r\n\r\n    <!-- Coluna 2012 -->\r\n    <div class=\"col middle\">\r\n      <div class=\"dot\"><\/div>\r\n      <h1>2012<\/h1>\r\n      <p>RIO +20: LAN\u00c7AMENTO      DOS PSI,<br>COM A CNSEG COMO <br>COFUNDADORA DA INICIATIVA DA ONU<\/p>\r\n    <\/div>\r\n\r\n    <!-- Coluna 2024 -->\r\n    <div class=\"col right\">\r\n      <div class=\"dot\"><\/div>\r\n      <h1>2024<\/h1>\r\n      <p>LAN\u00c7AMENTO DO FIT, <br>COM ADES\u00c3O<br>\r\n      PIONEIRA DA CNSEG<\/p>\r\n    <\/div>\r\n  <\/div>\r\n<\/body>\r\n<\/html>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339c9b0 animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"339c9b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Em 2006, no \u00e2mbito da iniciativa United Nations Environment Programme Finance Initiative (UNEP FI), a CNseg articulou, ao lado de seguradoras e associa\u00e7\u00f5es internacionais, a cria\u00e7\u00e3o de um hub para atua\u00e7\u00e3o em prol da sustentabilidade.<\/p><p>Em 2012, na Rio+20, foram lan\u00e7ados os Princ\u00edpios para Sustentabilidade em Seguros (PSI), tendo a CNseg como institui\u00e7\u00e3o cofundadora da principal refer\u00eancia internacional de sustentabilidade em seguros.<\/p><p>Em 2024, durante a COP29, em Baku, a Confedera\u00e7\u00e3o reinaugurou este pioneirismo, tornando-se a primeira entidade setorial do mundo a aderir oficialmente ao F\u00f3rum para a Transi\u00e7\u00e3o de Seguros para Net Zero (FIT), liderado pela Organiza\u00e7\u00e3o das Na\u00e7\u00f5es Unidas (ONU). O FIT tem como objetivo multiplicar, em escala global, o conhecimento sobre o seguro e seu enorme potencial na implementa\u00e7\u00e3o de estrat\u00e9gias para a adapta\u00e7\u00e3o clim\u00e1tica.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4c521f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d4c521f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0bad459 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"0bad459\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b86240f elementor-widget elementor-widget-image\" data-id=\"b86240f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1198\" height=\"1549\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36.jpg\" class=\"attachment-full size-full wp-image-7156\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36.jpg 1198w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36-232x300.jpg 232w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36-768x993.jpg 768w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36-1188x1536.jpg 1188w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/Ativo-36-9x12.jpg 9w\" sizes=\"(max-width: 1198px) 100vw, 1198px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbd0ff1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fbd0ff1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325adca animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"325adca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PERDAS GLOBAIS COM<br> DESASTRES NATURAIS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-524785b animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"524785b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #f37435;\"><b>US$ 368 bilh\u00f5es <\/b><\/span>foi o total de perdas econ\u00f4micas decorrentes de desastres naturais em 2024. Em 2023, foram US$ 397 bilh\u00f5es.<\/p><p><span style=\"color: #f37435;\"><b>US$ 145 bilh\u00f5es <\/b><\/span>foi o total de perdas seguradas em 2024, contra US$ 126 bilh\u00f5es em 2023.<\/p><p><span style=\"color: #f37435;\"><b>60% <\/b><\/span>foi a lacuna de prote\u00e7\u00e3o da economia em 2024.<\/p><p><span style=\"color: #f37435;\"><b>Brasil<\/b><\/span>, Espanha, Emirados \u00c1rabes Unidos e Vietn\u00e3 registraram alguns dos eventos mais onerosos da hist\u00f3ria para o setor de seguros desses pa\u00edses.<\/p><p><span style=\"color: #f37435;\"><b>2024<\/b><\/span> foi o ano mais quente j\u00e1 registrado no planeta, com pelo menos 20 pa\u00edses e territ\u00f3rios registrando temperaturas recordes e muitos meses consecutivos de calor.<\/p><p><span style=\"color: #f37435;\"><b>US$ 2\/4 bilh\u00f5es<\/b><\/span>: valor do impacto nos sistemas globais de sa\u00fade at\u00e9 2030.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6665791 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"6665791\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-244b320 animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"244b320\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REFLEXOS ECON\u00d4MICOS DA\nMUDAN\u00c7A CLIM\u00c1TICA NO BRASIL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dbf9af animated-slow elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3dbf9af\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #f37435;\"><b>R$ 327,4 bilh\u00f5es <\/b><\/span>foi o volume de preju\u00edzos causados pelos desastres naturais para a iniciativa privada (2014 a 2024).<\/p><p><span style=\"color: #f37435;\"><b>94%<\/b><\/span> dos munic\u00edpios brasileiros decretaram emerg\u00eancia, entre 2013 e 2024.<\/p><p><span style=\"color: #f37435;\"><b>R$ 100 bilh\u00f5es <\/b><\/span>foi o preju\u00edzo provocado pelas inunda\u00e7\u00f5es no Rio Grande do Sul (2024), com apenas 6% das perdas cobertas por seguros.<\/p><p><span style=\"color: #f37435;\"><b>15,4 milh\u00f5es <\/b><\/span>de pessoas foram impactadas por inc\u00eandios florestais em 2024, com preju\u00edzos econ\u00f4micos de <span style=\"color: #f37435;\"><b>R$ 1,3 bilh\u00e3o<\/b><\/span>.<\/p><p><span style=\"color: #f37435;\"><b>1.690 <\/b><\/span>desastres naturais foram registrados no Brasil apenas em 2024, uma m\u00e9dia superior a 4 por dia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64524a0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"64524a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88af23b animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"88af23b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AGENDA DO SETOR<br>\nNA ADAPTA\u00c7\u00c3O CLIM\u00c0TICA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-114433f e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"114433f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"18105151\" aria-label=\"Abas. Abra itens com &quot;Enter&quot; ou &quot;Espa\u00e7o&quot;, feche com &quot;Escape&quot; e navegue usando as teclas de &quot;Seta&quot;.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-181051511\" data-tab-title-id=\"e-n-tab-title-181051511\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-181051511\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t1 - SEGURO SOCIAL CAT\u00c1STROFE\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051512\" data-tab-title-id=\"e-n-tab-title-181051512\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051512\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t2 - GREEN BONDS E INVESTIMENTOS SUSTENT\u00c1VEIS\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051513\" data-tab-title-id=\"e-n-tab-title-181051513\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051513\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t3 - PROTE\u00c7\u00c3O DOS INVESTIMENTOS  EM INFRAESTRUTURA\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051514\" data-tab-title-id=\"e-n-tab-title-181051514\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051514\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t4 - SEGURO RURAL E SEGURAN\u00c7A ALIMENTAR\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051515\" data-tab-title-id=\"e-n-tab-title-181051515\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051515\" style=\"--n-tabs-title-order: 5;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t5 - HUB DE RISCOS CLIM\u00c1TICOS\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051516\" data-tab-title-id=\"e-n-tab-title-181051516\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051516\" style=\"--n-tabs-title-order: 6;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t6 - TAXONOMIA SUSTENT\u00c1VEL BRASILEIRA\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-181051517\" data-tab-title-id=\"e-n-tab-title-181051517\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-181051517\" style=\"--n-tabs-title-order: 7;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\t7 - SOLU\u00c7\u00d5ES BASEADAS NA NATUREZA\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-181051511\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051511\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-07f7f53 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"07f7f53\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a81ed17 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a81ed17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<\/span><br \/>Atualmente em discuss\u00e3o em diversos segmentos da sociedade brasileira, este instrumento poder\u00e1 viabilizar amparo financeiro para v\u00edtimas de desastres provocados por inunda\u00e7\u00f5es, alagamentos ou desmoronamentos, prevendo indeniza\u00e7\u00e3o emergencial e aux\u00edlio funeral. Em apoio \u00e0 estrat\u00e9gia de adapta\u00e7\u00e3o nacional, cumprir\u00e1 a fun\u00e7\u00e3o de aux\u00edlio emergencial, mas contribuir\u00e1 tamb\u00e9m para a dissemina\u00e7\u00e3o da cultura do seguro na popula\u00e7\u00e3o, aumentando o n\u00edvel de confian\u00e7a e compreens\u00e3o sobre produtos e servi\u00e7os j\u00e1 dispon\u00edveis. A ado\u00e7\u00e3o desta proposta representar\u00e1 um importante passo para reverter o ciclo de vulnerabilidade e baixa prote\u00e7\u00e3o contra eventos clim\u00e1ticos.<\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><\/strong><br \/>A ado\u00e7\u00e3o deste instrumento depende de aprova\u00e7\u00e3o de Lei espec\u00edfica. H\u00e1 projetos similares em tramita\u00e7\u00e3o no Congresso Nacional que podem ser utilizados como base para a constru\u00e7\u00e3o do modelo. O Seguro Social Cat\u00e1strofe prev\u00ea indeniza\u00e7\u00e3o emergencial em torno de R$ 10 mil por resid\u00eancia afetada e aux\u00edlio funeral, em casos de \u00f3bito, no valor de R$ 5 mil, com pagamento por meio do PIX, para garantir recursos para as v\u00edtimas dessas trag\u00e9dias. Trata-se de um seguro privado, de contrata\u00e7\u00e3o obrigat\u00f3ria, subsidiado por arrecada\u00e7\u00e3o ampla, mediante cobran\u00e7a mensal, entre R$ 2 e R$ 3, na conta de luz ou telefonia m\u00f3vel, isentados os participantes de programas sociais governamentais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051512\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051512\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-3e57bb2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3e57bb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15e55f0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"15e55f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<br \/><\/span><span class=\"Y2IQFc\" lang=\"pt\">Como um dos maiores investidores institucionais do Brasil, com ativos equivalentes a 26,5% da d\u00edvida p\u00fablica nacional, o setor de seguros tem potencial significativo para viabilizar projetos verdes que contribuam para a preserva\u00e7\u00e3o ambiental.<\/span><\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><br \/><\/strong><span class=\"Y2IQFc\" lang=\"pt\">Ap\u00f3s o sucesso de duas emiss\u00f5es recentes de t\u00edtulos soberanos sustent\u00e1veis no exterior, o setor segurador prop\u00f5e ampliar essa medida por meio da emiss\u00e3o de novos t\u00edtulos soberanos sustent\u00e1veis, desta vez no mercado dom\u00e9stico, visando o apetite de investidores institucionais, em especial seguradoras. Atualmente, o setor segurador possui compromissos de aproximadamente US$ 340 bilh\u00f5es com seus clientes. Essas obriga\u00e7\u00f5es devem ser lastreadas por ativos financeiros, conhecidos como ativos garantidores, com parcela significativa desse valor alocada em t\u00edtulos p\u00fablicos federais com diversos vencimentos e indexadores. Nesse contexto, os t\u00edtulos soberanos sustent\u00e1veis \u200b\u200bpodem representar uma alternativa estrat\u00e9gica, conectando a capacidade de investimento do setor com a necessidade de financiar a agenda sustent\u00e1vel do pa\u00eds.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051513\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051513\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-442092d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"442092d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3398a0c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3398a0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<\/span><strong><br \/><\/strong><span class=\"Y2IQFc\" lang=\"pt\">O seguro \u00e9 um instrumento fundamental para o cumprimento de obriga\u00e7\u00f5es contratuais, e a expectativa do setor \u00e9 v\u00ea-lo amplamente incorporado aos projetos de infraestrutura, com inclus\u00e3o obrigat\u00f3ria nas licita\u00e7\u00f5es de servi\u00e7os de constru\u00e7\u00e3o e engenharia, de forma a proteger os investimentos p\u00fablicos e dar prote\u00e7\u00e3o jur\u00eddica ao Estado.<\/span><\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<br \/><\/span><\/strong><span class=\"Y2IQFc\" lang=\"pt\">A nova Lei de Licita\u00e7\u00f5es (n\u00ba 14.133\/21) foi um passo importante nessa dire\u00e7\u00e3o. A nova regulamenta\u00e7\u00e3o prev\u00ea, entre outras atualiza\u00e7\u00f5es, que nos casos em que a cl\u00e1usula de retomada esteja prevista na licita\u00e7\u00e3o, o percentual da Fian\u00e7a poder\u00e1 ser de at\u00e9 30% do valor inicial do contrato. Isso j\u00e1 pode ser observado na pr\u00e1tica no estado do Mato Grosso, nas obras de constru\u00e7\u00e3o e pavimenta\u00e7\u00e3o da rodovia MT-130, avaliadas em aproximadamente US$ 21,8 milh\u00f5es. No entanto, o setor defende que a quest\u00e3o do seguro seja considerada pelos legisladores em novas \u00e1reas \u2014 em especial considerando a execu\u00e7\u00e3o de obras do Programa de Acelera\u00e7\u00e3o do Crescimento (PAC) do Governo Federal, que tem investimentos estimados em US$ 320,7 bilh\u00f5es \u2014 e a exig\u00eancia desse instrumento para mitigar riscos relacionados a danos e descumprimento de obriga\u00e7\u00f5es para a efetiva conclus\u00e3o dos projetos. Atualmente, aproximadamente 40% dos projetos p\u00fablicos no Brasil est\u00e3o paralisados.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051514\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051514\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-95c3c9c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"95c3c9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da0004f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"da0004f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<\/span><br \/><span class=\"Y2IQFc\" lang=\"pt\">Considerando as crescentes perdas no campo, o seguro rural tornou-se essencial n\u00e3o apenas para a seguran\u00e7a financeira dos agricultores, mas tamb\u00e9m para a manuten\u00e7\u00e3o da atividade agr\u00edcola no Brasil. Seu impacto se estende ao papel do pa\u00eds como provedor global de seguran\u00e7a alimentar. Atualmente, apenas 7,7% da \u00e1rea agr\u00edcola cultivada no Brasil (7,3 milh\u00f5es de hectares) \u00e9 coberta pelo seguro rural. Esse benef\u00edcio abrange 87 mil produtores, n\u00famero ainda baixo se comparado ao total de cinco milh\u00f5es registrados no pa\u00eds. <\/span><\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><br \/><\/strong>Para mudar esse cen\u00e1rio, o setor segurador apoia a moderniza\u00e7\u00e3o do Fundo do Seguro Rural. O objetivo \u00e9 transform\u00e1-lo, conforme previsto na Lei Complementar n\u00ba 137, em um instrumento de estabiliza\u00e7\u00e3o capaz de absorver choques causados \u200b\u200bpor perdas excepcionais, garantindo a sustentabilidade da produ\u00e7\u00e3o a longo prazo. A proposta prev\u00ea que o Fundo tenha car\u00e1ter privado e seja composto por aportes do governo federal (at\u00e9 US$ 754,7 milh\u00f5es), al\u00e9m de aportes de seguradoras e resseguradoras que atuam no setor. Para fortalecer esse movimento, a CNseg desenvolveu um protocolo interno e est\u00e1 trabalhando em uma ferramenta de georreferenciamento. Essa tecnologia integrar\u00e1 bancos de dados de riscos socioambientais e clim\u00e1ticos, permitindo que as seguradoras avaliem e atribuam um grau de risco, aprimorando a gest\u00e3o e a tomada de decis\u00f5es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051515\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051515\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-6c8d2e4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6c8d2e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbea969 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fbea969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<br \/><\/span><span class=\"Y2IQFc\" lang=\"pt\">\u00c9 essencial que o setor de seguros esteja mais alinhado com a ci\u00eancia clim\u00e1tica. O Climate Risk Hub fornecer\u00e1 um banco de dados e informa\u00e7\u00f5es espec\u00edficas por regi\u00e3o sobre os impactos de eventos clim\u00e1ticos em diversos cen\u00e1rios, ajudando as seguradoras a entender os riscos e a adaptar suas estrat\u00e9gias, a fim de desenvolver novos produtos e expandir sua cobertura, com uma nova perspectiva de efic\u00e1cia e resili\u00eancia.\u00a0<\/span><\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><\/strong><br \/><span class=\"Y2IQFc\" lang=\"pt\">O primeiro passo para a consolida\u00e7\u00e3o do Hub ser\u00e1 o lan\u00e7amento de uma plataforma integrativa, centralizando dados externos sobre riscos clim\u00e1ticos, como hist\u00f3ricos de desastres, proje\u00e7\u00f5es de impacto e indicadores de vulnerabilidade municipal. Na pr\u00f3xima fase, ser\u00e3o adicionados os dados das seguradoras sobre os impactos de eventos clim\u00e1ticos extremos, como sinistros e perdas. A plataforma permitir\u00e1 a compara\u00e7\u00e3o de dados de mercado e a cria\u00e7\u00e3o de an\u00e1lises personalizadas. Na fase final, o Hub fornecer\u00e1 relat\u00f3rios que correlacionam dados macroecon\u00f4micos com impactos clim\u00e1ticos e ferramentas avan\u00e7adas de gest\u00e3o de riscos.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051516\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051516\" data-tab-index=\"6\" style=\"--n-tabs-title-order: 6;\" class=\" elementor-element elementor-element-9621960 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"9621960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9350a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3e9350a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<br \/><\/span>A CNseg apoia o desenvolvimento da Taxonomia Brasileira da Sustentabilidade, integrando o Comit\u00ea Consultivo Interministerial liderado pelo Minist\u00e9rio da Fazenda. Para o setor de seguros, a taxonomia \u00e9 de fundamental import\u00e2ncia, considerando, principalmente, sua capacidade de atuar como investidor no desenvolvimento sustent\u00e1vel do pa\u00eds. Em uma segunda perspectiva, a relev\u00e2ncia da taxonomia reside na capacidade do seguro de influenciar a\u00e7\u00f5es positivas por meio de decis\u00f5es de subscri\u00e7\u00e3o. O seguro deve ser reconhecido como uma salvaguarda essencial na classifica\u00e7\u00e3o sustent\u00e1vel de projetos, funcionando como um dos instrumentos mais eficazes para garantir o alcance das metas de adapta\u00e7\u00e3o e resili\u00eancia socioambientais.\u00a0<\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><\/strong><br \/><span class=\"Y2IQFc\" lang=\"pt\">Paralelamente \u00e0s contribui\u00e7\u00f5es para a Taxonomia Brasileira da Sustentabilidade, o setor de seguros j\u00e1 est\u00e1 trabalhando no desenvolvimento de sua pr\u00f3pria taxonomia. O objetivo \u00e9 impulsionar a inova\u00e7\u00e3o e a responsabilidade socioambiental em toda a cadeia de valor do setor, em linha com os objetivos definidos na taxonomia nacional. A taxonomia pr\u00f3pria do setor fornecer\u00e1 uma base importante para o desenvolvimento e adapta\u00e7\u00e3o de produtos e servi\u00e7os que atendam \u00e0s necessidades de setores e projetos estrat\u00e9gicos para o desenvolvimento sustent\u00e1vel do pa\u00eds.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-181051517\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-181051517\" data-tab-index=\"7\" style=\"--n-tabs-title-order: 7;\" class=\" elementor-element elementor-element-571a87f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"571a87f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3157e2b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3157e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #00a658;\"><strong>CEN\u00c1RIO<\/strong>:<br \/><\/span><span class=\"Y2IQFc\" lang=\"pt\">O desmatamento \u00e9 o principal fator de perda de biodiversidade no Brasil e um dos principais agravantes da crise clim\u00e1tica. A preserva\u00e7\u00e3o dos ecossistemas \u00e9 essencial para mitigar as emiss\u00f5es de GEE e evitar que a interconex\u00e3o entre a crise clim\u00e1tica e a perda de biodiversidade se torne irrevers\u00edvel. Solu\u00e7\u00f5es baseadas na natureza podem contribuir com at\u00e9 37% da mitiga\u00e7\u00e3o necess\u00e1ria para manter o aquecimento global abaixo de 2\u00b0C. Diante desse potencial, o setor de seguros promove iniciativas que visam fortalecer a resili\u00eancia ambiental, aprimorar o capital natural e garantir a sustentabilidade a longo prazo.\u00a0<\/span><\/p><p><strong><span style=\"color: #00a658;\">INICIATIVA:<\/span><\/strong><br \/><span class=\"Y2IQFc\" lang=\"pt\">A CNseg tem mantido discuss\u00f5es com seus membros, o Servi\u00e7o Florestal Brasileiro (SFB) e o Banco Nacional de Desenvolvimento Econ\u00f4mico e Social (BNDES), para expandir a disponibilidade de seguros para concess\u00f5es florestais com foco em restaura\u00e7\u00e3o, preserva\u00e7\u00e3o e manejo sustent\u00e1vel. Atualmente, esses produtos de seguros s\u00e3o personalizados e cobrem poucos riscos cr\u00edticos, como desmatamento e inc\u00eandios em florestas nativas. O objetivo da CNseg \u00e9 fortalecer a capacidade das seguradoras, garantindo maior prote\u00e7\u00e3o e tornando o seguro uma exig\u00eancia nos processos licitat\u00f3rios, assegurando assim a sustentabilidade financeira e operacional das concession\u00e1rias florestais e, assim, impulsionando solu\u00e7\u00f5es baseadas na natureza.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea2c388 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"ea2c388\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61c2e7e animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"61c2e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ALCANCE DO SEGURO NO BRASIL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7ad1ef elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b7ad1ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O gap de prote\u00e7\u00e3o de seguro \u2013 a diferen\u00e7a entre as perdas econ\u00f4micas e o valor efetivamente coberto por seguros \u2013 representa um risco significativo para indiv\u00edduos, empresas e para a economia do pa\u00eds.<\/p><p>Os dados a seguir evidenciam a necessidade de ampliar o alcance do seguro no Brasil e destacam um quadro preocupante que a CNseg tem se empenhado para transformar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ef5e92 e-con-full e-grid wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3ef5e92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d72c008 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"d72c008\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a097c7a elementor-widget elementor-widget-image\" data-id=\"a097c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"111\" height=\"93\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/1-1.png\" class=\"attachment-full size-full wp-image-6435\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/1-1.png 111w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/1-1-14x12.png 14w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a639e elementor-widget elementor-widget-text-editor\" data-id=\"a2a639e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apenas 16,6% da frota<br \/>nacional de autom\u00f3veis ou<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88879c8 elementor-widget elementor-widget-text-editor\" data-id=\"88879c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>21 milh\u00f5es<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48631c0 elementor-widget elementor-widget-text-editor\" data-id=\"48631c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>de ve\u00edculos contam com<br \/>seguro automotivo<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ab943d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3ab943d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec9863 elementor-widget elementor-widget-image\" data-id=\"7ec9863\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"111\" height=\"93\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/2-1.png\" class=\"attachment-full size-full wp-image-6439\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/2-1.png 111w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/2-1-14x12.png 14w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08ebee9 elementor-widget elementor-widget-text-editor\" data-id=\"08ebee9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Planos de previd\u00eancia privada s\u00e3o contratados por somente 10,1% da popula\u00e7\u00e3o economicamente ativa ou<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bf344 elementor-widget elementor-widget-text-editor\" data-id=\"56bf344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>14,1 milh\u00f5es<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4587843 elementor-widget elementor-widget-text-editor\" data-id=\"4587843\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>de pessoas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a8de5e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7a8de5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-849c886 elementor-widget elementor-widget-image\" data-id=\"849c886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"111\" height=\"93\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/3-1.jpg\" class=\"attachment-full size-full wp-image-6443\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/3-1.jpg 111w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/3-1-14x12.jpg 14w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4a17ab elementor-widget elementor-widget-text-editor\" data-id=\"a4a17ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Somente 17% das<br \/>resid\u00eancias brasileiras ou<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96350b6 elementor-widget elementor-widget-text-editor\" data-id=\"96350b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>11 milh\u00f5es<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbb365f elementor-widget elementor-widget-text-editor\" data-id=\"cbb365f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>est\u00e3o cobertas por<br \/>seguro domiciliar<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa142f2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fa142f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c13264 elementor-widget elementor-widget-image\" data-id=\"7c13264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"111\" height=\"93\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/4-1.png\" class=\"attachment-full size-full wp-image-6440\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/4-1.png 111w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/4-1-14x12.png 14w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d18293 elementor-widget elementor-widget-text-editor\" data-id=\"1d18293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Planos privados de assist\u00eancia m\u00e9dica s\u00e3o contratados por cerca de um quarto da popula\u00e7\u00e3o brasileira: 25,7% ou<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61b8500 elementor-widget elementor-widget-text-editor\" data-id=\"61b8500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>52,7 milh\u00f5es<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78135e0 elementor-widget elementor-widget-text-editor\" data-id=\"78135e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>de pessoas<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6af1117 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"6af1117\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-858e468 elementor-widget elementor-widget-image\" data-id=\"858e468\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"111\" height=\"93\" src=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/5-1.png\" class=\"attachment-full size-full wp-image-6441\" alt=\"\" srcset=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/5-1.png 111w, https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/08\/5-1-14x12.png 14w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef5ce00 elementor-widget elementor-widget-text-editor\" data-id=\"ef5ce00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apenas 7,7% da \u00e1rea<br \/>agr\u00edcola cultivada do pa\u00eds ou<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd1214 elementor-widget elementor-widget-text-editor\" data-id=\"cfd1214\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>7,3 milh\u00f5es<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c9883 elementor-widget elementor-widget-text-editor\" data-id=\"39c9883\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>de hectares de \u00e1rea plantada<br \/>est\u00e3o cobertas pelo seguro rural<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4939e9a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4939e9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7605100 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7605100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/casadoseguro.org.br\/wp-content\/uploads\/2025\/09\/O-PAPEL-DO-SEGURO-NA-TRANSICAO-CLIMATICA_Material-institucional_CNSEG_Ago25.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-pdf\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M181.9 256.1c-5-16-4.9-46.9-2-46.9 8.4 0 7.6 36.9 2 46.9zm-1.7 47.2c-7.7 20.2-17.3 43.3-28.4 62.7 18.3-7 39-17.2 62.9-21.9-12.7-9.6-24.9-23.4-34.5-40.8zM86.1 428.1c0 .8 13.2-5.4 34.9-40.2-6.7 6.3-29.1 24.5-34.9 40.2zM248 160h136v328c0 13.3-10.7 24-24 24H24c-13.3 0-24-10.7-24-24V24C0 10.7 10.7 0 24 0h200v136c0 13.2 10.8 24 24 24zm-8 171.8c-20-12.2-33.3-29-42.7-53.8 4.5-18.5 11.6-46.6 6.2-64.2-4.7-29.4-42.4-26.5-47.8-6.8-5 18.3-.4 44.1 8.1 77-11.6 27.6-28.7 64.6-40.8 85.8-.1 0-.1.1-.2.1-27.1 13.9-73.6 44.5-54.5 68 5.6 6.9 16 10 21.5 10 17.9 0 35.7-18 61.1-61.8 25.8-8.5 54.1-19.1 79-23.2 21.7 11.8 47.1 19.5 64 19.5 29.2 0 31.2-32 19.7-43.4-13.9-13.6-54.3-9.7-73.6-7.2zM377 105L279 7c-4.5-4.5-10.6-7-17-7h-6v128h128v-6.1c0-6.3-2.5-12.4-7-16.9zm-74.1 255.3c4.1-2.7-2.5-11.9-42.8-9 37.1 15.8 42.8 9 42.8 9z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">BAIXE O DOCUMENTO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9657bad e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9657bad\" data-element_type=\"container\" data-e-type=\"container\" id=\"rodape\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-21685ac e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"21685ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb8af37 elementor-widget elementor-widget-text-editor\" data-id=\"eb8af37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>LOCAL: Tv. Alferes Costa, 2828 &#8211; Pedreira &#8211; Bel\u00e9m\/PA<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bf8258 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7bf8258\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ca01a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b6ca01a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/tshop.proevento.com.br\/?id=Y25zZWdfZGFkb3M6MTcz&#038;csp=645&#038;tp=i\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Inscri\u00e7\u00f5es Abertas<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed2ce23 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ed2ce23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5caaf66 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5caaf66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/cnseg.org.br\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse o site da CNSEG<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd82139 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fd82139\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b168e elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"a2b168e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-30908d4\" href=\"https:\/\/www.instagram.com\/cnseg_oficial\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-015700f\" href=\"https:\/\/www.youtube.com\/c\/canalcnseg\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-youtube\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O PAPEL DO SEGURO NATRANSI\u00c7\u00c3O CLIM\u00c1TICA Seguro e clima Resili\u00eancia e estabilidade Pioneirismo em sustentabilidade Alcance do seguro no Brasil Perdas globais com desastres naturais Agenda do setor na adapta\u00e7\u00e3o clim\u00e1tica Reflexos econ\u00f4micos da mudan\u00e7a clim\u00e1tica no Brasil SEGURO E CLIMA No ano em que o Brasil receber\u00e1 a COP30, em Bel\u00e9m, o alerta para a frequ\u00eancia e a intensidade dos eventos clim\u00e1ticos extremos \u00e9 preocupante. Em termos globais, as perdas econ\u00f4micas de 2024, decorrentes de desastres naturais, chegaram a US$ 368 bilh\u00f5es, sendo que apenas 40% delas estavam seguradas, evidenciando uma lacuna de prote\u00e7\u00e3o de aproximadamente US$ 211 bilh\u00f5es. No Brasil, o cen\u00e1rio tem sido igualmente alarmante: entre 2013 e 2022, perdas no setor privado totalizaram R$ 320,1 bilh\u00f5es, com 90% concentradas na agricultura e pecu\u00e1ria. Em 2024, uma conjuga\u00e7\u00e3o de eventos colocou o pa\u00eds no mapa global de altos riscos, integrando o grupo das localidades mais atingidas por desastres clim\u00e1ticos. Foram registrados 1.690 eventos naturais em todo o territ\u00f3rio brasileiro, uma m\u00e9dia superior a quatro por dia. Entre os epis\u00f3dios mais dram\u00e1ticos estiveram os inc\u00eandios florestais que impactaram 15,4 milh\u00f5es de pessoas em v\u00e1rias regi\u00f5es do pa\u00eds, com destaque para o bioma Amaz\u00f4nia, gerando danos de R$ 1,3 bilh\u00e3o; e as chuvas intensas do Rio Grande do Sul que, em intensidade raramente vista, totalizaram preju\u00edzos estimados em quase R$ 100 bilh\u00f5es, com somente 6% das perdas amparadas pela prote\u00e7\u00e3o do seguro. No ano em que o Brasil receber\u00e1 a COP30, em Bel\u00e9m, o alerta para a frequ\u00eancia e a intensidade dos eventos clim\u00e1ticos extremos \u00e9 preocupante. Em termos globais, as perdas econ\u00f4micas de 2024, decorrentes de desastres naturais, chegaram a US$ 368 bilh\u00f5es, sendo que apenas 40% delas estavam seguradas, evidenciando uma lacuna de prote\u00e7\u00e3o de aproximadamente US$ 211 bilh\u00f5es. No Brasil, o cen\u00e1rio tem sido igualmente alarmante: entre 2013 e 2022, perdas no setor privado totalizaram R$ 320,1 bilh\u00f5es, com 90% concentradas na agricultura e pecu\u00e1ria. Em 2024, uma conjuga\u00e7\u00e3o de eventos colocou o pa\u00eds no mapa global de altos riscos, integrando o grupo das localidades mais atingidas por desastres clim\u00e1ticos. Foram registrados 1.690 eventos naturais em todo o territ\u00f3rio brasileiro, uma m\u00e9dia superior a quatro por dia. Entre os epis\u00f3dios mais dram\u00e1ticos estiveram os inc\u00eandios florestais que impactaram 15,4 milh\u00f5es de pessoas em v\u00e1rias regi\u00f5es do pa\u00eds, com destaque para o bioma Amaz\u00f4nia, gerando danos de R$ 1,3 bilh\u00e3o; e as chuvas intensas do Rio Grande do Sul que, em intensidade raramente vista, totalizaram preju\u00edzos estimados em quase R$ 100 bilh\u00f5es, com somente 6% das perdas amparadas pela prote\u00e7\u00e3o do seguro. EM TEMPOS DE URG\u00caNCIA CLIM\u00c1TICA, A CNSEG REITERA O COMPROMISSO DO SETOR DE SEGUROS EM CONTRIBUIR PARA O PROTAGONISMO DO BRASIL NA AGENDA DO CLIMA, OFERECENDO SOLU\u00c7\u00d5ES PARA PROTE\u00c7\u00c3O SOCIAL E DE INVESTIMENTOS. Seguro Social Cat\u00e1strofe Green Bonds e Investimentos Sustent\u00e1veis Prote\u00e7\u00e3o de Investimentos em Infraestrutura Seguro Rural e Fundo Rural Hub de Riscos Clim\u00e1ticos Taxonomia Sustent\u00e1vel Brasileira Solu\u00e7\u00f5es Baseadas na Natureza RESILI\u00caNCIA E ESTABILIDADE O mercadosegurador gera 266 mil empregosdiretos eresponde pelopagamento de R$ 70 bilh\u00f5es em impostos. A adapta\u00e7\u00e3o clim\u00e1tica tem imposto desafios significativos \u00e0 sociedade e \u00e0 economia global. Essa \u00e9 uma realidade que demanda urg\u00eancia na implementa\u00e7\u00e3o de medidas para mitigar riscos e proteger vidas, patrim\u00f4nios e investimentos. Neste contexto, o setor de seguros consolida sua voca\u00e7\u00e3o como fonte de intelig\u00eancia e oferta de solu\u00e7\u00f5es que promovem a resili\u00eancia e a estabilidade diante das incertezas clim\u00e1ticas. Historicamente, o setor experimenta uma s\u00f3lida trajet\u00f3ria de crescimento, oferecendo importante contribui\u00e7\u00e3o para o desenvolvimento sustent\u00e1vel do Brasil. Como investidor institucional, financia 26% da d\u00edvida p\u00fablica nacional, com ativos financeiros da ordem de R$ 2,3 trilh\u00f5es e arrecada\u00e7\u00e3o setorial que alcan\u00e7a 6,2% do PIB, colocando o Brasil como mercado l\u00edder na Am\u00e9rica Latina e 12\u00ba em escala global. O mercado segurador gera 266 mil empregos diretos e responde pelo pagamento de cerca de R$ 70 bilh\u00f5es em impostos. PIONEIRISMO E SUSTENTABILIDADE A agenda de sustentabilidade do setor de seguros precede o foco dado ao tema em tempos recentes. Linha do Tempo 2006 CRIA\u00c7\u00c3O DO HUBPR\u00d3-SUSTENTABILIDADE, NO \u00c2MBITO DA UNEP-FI 2012 RIO +20: LAN\u00c7AMENTO DOS PSI,COM A CNSEG COMO COFUNDADORA DA INICIATIVA DA ONU 2024 LAN\u00c7AMENTO DO FIT, COM ADES\u00c3O PIONEIRA DA CNSEG Em 2006, no \u00e2mbito da iniciativa United Nations Environment Programme Finance Initiative (UNEP FI), a CNseg articulou, ao lado de seguradoras e associa\u00e7\u00f5es internacionais, a cria\u00e7\u00e3o de um hub para atua\u00e7\u00e3o em prol da sustentabilidade. Em 2012, na Rio+20, foram lan\u00e7ados os Princ\u00edpios para Sustentabilidade em Seguros (PSI), tendo a CNseg como institui\u00e7\u00e3o cofundadora da principal refer\u00eancia internacional de sustentabilidade em seguros. Em 2024, durante a COP29, em Baku, a Confedera\u00e7\u00e3o reinaugurou este pioneirismo, tornando-se a primeira entidade setorial do mundo a aderir oficialmente ao F\u00f3rum para a Transi\u00e7\u00e3o de Seguros para Net Zero (FIT), liderado pela Organiza\u00e7\u00e3o das Na\u00e7\u00f5es Unidas (ONU). O FIT tem como objetivo multiplicar, em escala global, o conhecimento sobre o seguro e seu enorme potencial na implementa\u00e7\u00e3o de estrat\u00e9gias para a adapta\u00e7\u00e3o clim\u00e1tica. PERDAS GLOBAIS COM DESASTRES NATURAIS US$ 368 bilh\u00f5es foi o total de perdas econ\u00f4micas decorrentes de desastres naturais em 2024. Em 2023, foram US$ 397 bilh\u00f5es. US$ 145 bilh\u00f5es foi o total de perdas seguradas em 2024, contra US$ 126 bilh\u00f5es em 2023. 60% foi a lacuna de prote\u00e7\u00e3o da economia em 2024. Brasil, Espanha, Emirados \u00c1rabes Unidos e Vietn\u00e3 registraram alguns dos eventos mais onerosos da hist\u00f3ria para o setor de seguros desses pa\u00edses. 2024 foi o ano mais quente j\u00e1 registrado no planeta, com pelo menos 20 pa\u00edses e territ\u00f3rios registrando temperaturas recordes e muitos meses consecutivos de calor. US$ 2\/4 bilh\u00f5es: valor do impacto nos sistemas globais de sa\u00fade at\u00e9 2030. REFLEXOS ECON\u00d4MICOS DA MUDAN\u00c7A CLIM\u00c1TICA NO BRASIL R$ 327,4 bilh\u00f5es foi o volume de preju\u00edzos causados pelos desastres naturais para a iniciativa privada (2014 a 2024). 94% dos munic\u00edpios brasileiros decretaram emerg\u00eancia, entre 2013 e 2024. R$ 100 bilh\u00f5es foi o preju\u00edzo provocado pelas inunda\u00e7\u00f5es no Rio Grande do Sul (2024), com apenas 6% das perdas cobertas por seguros. 15,4<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6386","page","type-page","status-publish","hentry"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"webmaster","author_link":"https:\/\/casadoseguro.org.br\/es\/author\/webmaster\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"O PAPEL DO SEGURO NATRANSI\u00c7\u00c3O CLIM\u00c1TICA Seguro e clima Resili\u00eancia e estabilidade Pioneirismo em sustentabilidade Alcance do seguro no Brasil Perdas globais com desastres naturais Agenda do setor na adapta\u00e7\u00e3o clim\u00e1tica Reflexos econ\u00f4micos da mudan\u00e7a clim\u00e1tica no Brasil SEGURO E CLIMA No ano em que o Brasil receber\u00e1 a COP30, em Bel\u00e9m, o alerta para&hellip;","_links":{"self":[{"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/pages\/6386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/comments?post=6386"}],"version-history":[{"count":3,"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/pages\/6386\/revisions"}],"predecessor-version":[{"id":10602,"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/pages\/6386\/revisions\/10602"}],"wp:attachment":[{"href":"https:\/\/casadoseguro.org.br\/es\/wp-json\/wp\/v2\/media?parent=6386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}