Análise e interpretação de cláusulas do contrato directors and officers’ liability insurance e os aspectos negociais
Carregando...
Tipo
TCC
Data de publicação
2023-12
Periódico
Citações (Scopus)
Autores
Leite, Hellen Cristina
Orientador
Rodrigues, Luiz Gustavo Friggi
Título da Revista
ISSN da Revista
Título de Volume
Membros da banca
Programa
Resumo
O elemento do risco está presente em todas as relações da vida, seja na esfera pública ou privada e, a cada dia, dada a complexificação das estruturas, torna-se comum que os riscos se manifestem a partir de discussões administrativas ou judiciais que atribuem a responsabilidade civil para detentores de cargos estatutários, na busca incessante por patrimônio e responsáveis. Ocorre que, na esfera dos riscos, não se pode deixar de observar que há um produto de seguro para remediar essa incerteza, qual seja, o seguro de responsabilidade civil de diretores e administradores, comumente tido por Seguro D&O (directors and officers). Esta pesquisa tem como objetivo discorrer a respeito das cláusulas que compõem um contrato de seguro, dos elementos fundantes e, sobretudo, sobre aspectos relacionados ao elemento da negociação dos contratos de Seguro D&O e como esse elemento pode ser explorado de modo a mitigar a incidência de interpretações restritivas e prejudiciais ao segurado e, consequentemente, ao tomador.
The element of risk is present in all of life's relationships, whether in the public or private sphere, and every day, given the complexification of structures, it becomes common for risks to manifest themselves in administrative and judicial decisions that assign civil liability to holders of statutory positions, in the incessant search for assets and those responsible. However, in the sphere of risks, one cannot fail to notice that there is an insurance product to remedy this uncertainty, namely directors’ and officers’ liability insurance, commonly known as D&O insurance. The aim of this research is to discuss the clauses that make up an insurance contract, the founding elements and, above all, aspects related to the negotiation element of D&O Insurance contracts and how this element can be exploited in order to mitigate the incidence of restrictive interpretations that are harmful to the insured, and therefore, to the policy holder.
The element of risk is present in all of life's relationships, whether in the public or private sphere, and every day, given the complexification of structures, it becomes common for risks to manifest themselves in administrative and judicial decisions that assign civil liability to holders of statutory positions, in the incessant search for assets and those responsible. However, in the sphere of risks, one cannot fail to notice that there is an insurance product to remedy this uncertainty, namely directors’ and officers’ liability insurance, commonly known as D&O insurance. The aim of this research is to discuss the clauses that make up an insurance contract, the founding elements and, above all, aspects related to the negotiation element of D&O Insurance contracts and how this element can be exploited in order to mitigate the incidence of restrictive interpretations that are harmful to the insured, and therefore, to the policy holder.
Descrição
Palavras-chave
contrato de seguro , seguro D&O , riscos , negociações , insurance contracts , D&O insurance , risks , negotiations