🇧🇷Brazil
Perda de Capacidade por Gargalos em Endossos
1 verified sources
Definition
Complex endorsement workflows with regulatory checks cause delays, reducing throughput in brokerages handling high volumes.
Key Findings
- Financial Impact: 20-40 hours/agent/month at R$50/hour opportunity cost[4]
- Frequency: Daily in peak periods
- Root Cause: Non-automated, paper-based or semi-manual systems
Why This Matters
The Pitch: Insurance brokerages waste 20-40 hours/month per agent on manual endorsements. Automation frees capacity for new sales.
Affected Stakeholders
Underwriting teams, Back-office staff
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Atraso no Faturamento de Endossos
30-60 days increased AR, 1-2% financing cost on delayed premiums[3]
Perda de Receita por Endossos Não Faturados
R$ 2-5% of premium revenue per policy adjustment missed[5]
Multas por Rejeição de NF-e em Endossos
R$1.000 to R$10.000 fine per rejected NF-e + 20-40 hours refiling[6]
Multas Administrativas por Não Cumprimento de Prazos em Sinistros
Loss of denial rights forcing indemnity payments; penalties up to R$100,000 daily for non-compliance with SUSEP orders
Perdas por Erros no Cálculo de Comissões
R$10.000 - R$50.000/ano em disputas e pagamentos incorretos para equipes médias (estimativa lógica baseada em complexidade e escala)
Disputas e Falta de Transparência em Repasses de Comissões
R$5.000 - R$30.000/ano em atrasos e disputas (estimativa lógica de horas manuais: 20-40h/mês a R$100/h)
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