Gerenciamento de risco dos ativos no transporte rodoviário de carga

Abstract

In this paper, we will discuss the universe of insurance and the risk management of assets used in road cargo transportation. Currently, companies in general seek to manage their costs due to the reduction of their margins due to increased competition and the entry of new technologies. One of the costs that has been growing, whether directly or indirectly, is the cost of insurance and risk management. The increase in violence in Brazil, makes more and more insurers demand from transporters means to reduce the risks in cargo transportation, and, therefore, demand greater investments in assets, such as trackers, GPS’s, cameras, blockers, etc., that end up being incorporated into the fleet, causing their costs to increase. In addition, insurers choose to ensure assets that, in theory, do not bring losses, limiting the universe of assets that can be insured. It is in this context that the issues related to insurance and asset risk management will be explored.