Branda Corretora

Business Insurance

Business Insurance in Brazil: protection for your company

Business insurance protects your company’s assets (property, inventory, equipment) against fire, theft, and other damage, and can include civil liability and business interruption (the revenue your company loses if it has to stop operating). Branda designs the policy around what your business actually has and its real operational risk, and reviews that protection over time, not just at renewal.

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How it works

  1. 1

    You describe the operation: type of business, address, assets and inventory to protect.

  2. 2

    We assess the real risk of the activity (a physical store has a different risk profile than an office, for example) so you don’t pay for coverage that doesn’t make sense.

  3. 3

    We compare insurers specialized in business risk and show you the options with price and coverage side by side.

  4. 4

    With the policy active, we review your protection every six months, assets, contracts, and staff change faster than the insurance policy’s yearly cycle, and we handle contact with the insurer for any incident.

Who it’s for

  • Small and medium businesses with their own or rented premises.
  • Retailers with meaningful inventory value (stores, distributors, workshops).
  • Companies that need to prove insurance to close a contract with clients or landlords.

What affects the price

  • Type of activity: activities with higher fire or accident risk cost more to insure.
  • Value of declared assets and inventory.
  • Location and security of the property (alarm, cameras, doorman).
  • Additional coverage such as civil liability and business interruption, which protect the company’s cash flow beyond physical assets.

Frequently asked questions

Does business insurance cover theft of inventory?

Yes, as long as the inventory is properly declared and sized in the policy. Under-declaring inventory value to pay less is the most common mistake, and it can reduce the amount paid out in a claim.

What is business interruption coverage?

It’s the coverage that replaces the revenue your company loses if it has to stop operating because of a covered incident, a fire, for example. Without this coverage, the loss isn’t just the damaged property, it’s also the downtime.

Does a small business or sole proprietorship need business insurance?

If the business has property, inventory, or equipment of meaningful value to operate, it’s worth considering. The size of the company matters less than the value at risk if something happens.

Does business insurance cover civil liability toward customers?

It can, as additional coverage, for cases where a customer gets hurt on your premises or suffers damage caused by the company’s operations.

Do I need to renew every year, or can I adjust mid-term?

The policy is annual, but if the company’s assets or inventory change significantly during the term, it’s worth adjusting coverage before renewal. We track this so you’re never under- or over-insured.

Do you keep supporting the company after the insurance is set up?

Yes. For companies, we review protection every six months, not just at the annual renewal. Assets, contracts, and staff change faster than the insurance cycle, and this review keeps coverage from going out of date without you noticing.

Want to compare business insurance prices?

Talk to us on WhatsApp and send your details. We compare insurers and reply the same day.

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