🇧🇷Brazil

Multas por Não Obtenção ou Vencimento de Seguros Obrigatórios em Construção

1 verified sources

Definition

Mandatory insurances per construction project: (a) civil liability for contractors (bodily/property injury), (b) fire/total destruction, (c) completion guarantees. Manual policy tracking across multiple subcontractors creates gaps. Lapsed policies discovered during regulatory inspections trigger fines; undisclosed gaps create post-incident liability exposure far exceeding insurance limits.

Key Findings

  • Financial Impact: R$ 5,000–R$ 50,000 per inspection finding (insurance non-compliance fine); uninsured claim exposure: R$ 100,000–R$ 1,000,000+ per incident (bodily injury claims, property damage, construction defect liability)
  • Frequency: Per project cycle; continuous risk during construction phases
  • Root Cause: Manual insurance policy tracking; no centralized verification of contractor insurance status; policy expiration reminders not integrated with project schedule; multiple insurance carriers for different coverage types

Why This Matters

The Pitch: Brazilian residential builders expose themselves to R$ 100,000–R$ 1,000,000+ in uninsured liability claims and inspection fines due to lapsed or incomplete insurance documentation. Automated insurance compliance tracking eliminates coverage gaps and inspection penalties.

Affected Stakeholders

Risk Managers, Contract Managers, Project Coordinators, Finance/Compliance Officers

Deep Analysis (Premium)

Financial Impact

Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.

Unlock to reveal

Current Workarounds

Financial data and detailed analysis available with full access. Unlock to see exact figures, evidence sources, and actionable insights.

Unlock to reveal

Get Solutions for This Problem

Full report with actionable solutions

$99$39
  • Solutions for this specific pain
  • Solutions for all 15 industry pains
  • Where to find first clients
  • Pricing & launch costs
Get Solutions Report

Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Multas por Não Conformidade com NR-18 e Licenças Ambientais

R$ 15,000–R$ 150,000 per project (estimated fines + delays); NR violations: R$ 1,000–R$ 50,000 per infraction; Environmental non-compliance: R$ 5,000–R$ 500,000+ depending on environmental damage severity

Sobrecustos de Horas Manuais em Documentação de Conformidade Ambiental e Segurança

200–400 hours per project × R$ 150–R$ 250/hour (CREA engineer rate) = R$ 30,000–R$ 100,000 per project; or 2–4% of project overhead cost

Atrasos e Gargalos em Aprovações de Licenças Ambientais Causando Paralisação de Obra

R$ 50,000–R$ 300,000 per project per week of delay (labor, equipment, financing); typical delay: 4–12 weeks = R$ 200,000–R$ 3,600,000 total capacity loss per project

Custo de Retrabalho em Documentação de Conformidade e Reivindicações de Garantia sob Art. 618

R$ 50,000–R$ 500,000 per project in warranty claims + rework; typical: 2–5% of project contract value

Multas por Não Conformidade com NR 18 - Segurança do Trabalho

R$ 89,624.89 to R$ 249,419.70 per project per inspection (depending on company size and non-conformities identified)

Multas por NF-e Não-Conforme em Faturas de Fechamento de Obra

Up to 100% of each non-compliant invoice value (R$ penalty); typical closeout invoice range R$ 10,000–R$ 100,000+. Additional exposure: criminal prosecution for tax evasion if deliberate.

Request Deep Analysis

🇧🇷 Be first to access this market's intelligence