With head offices located in São Paulo, and subsidiaries (3) in other important Brazilian cities, Harmonia has over 35 years of experience in the insurance industry, involved with expressive risk management operations. Associated to important insurance brokers and risk management networks, the company’s expertise is based on highly qualified services which include:

• Property & Casualty
• Energy – Oils & Gas, Electricity, Mining
• Construction
• Marine
• Aviation
• Employee Benefits
• Sponsored Affinity Programs
• Reinsurance
• With Risk / Client Profile in the following lines:
• Industrial & Commercial Risks
  • Projects / Civil Works
  • Cargo / Fishing Vessel Fleets
  • Commuter Airlines / Private
  • Life Pooling / Health & Vesting
  • Household Products
  • Media Insurance
  • Multinational
  • E&O
  • D&O
  • Surety – court and traditional bonds
  • Cyber
  • Crop
  • Bicycle