Escolar Documentos
Profissional Documentos
Cultura Documentos
Condições Gerais
CNPJ 61.074.175/0001-38
Processo SUSEP nº 15414.004806/2005-03
6(*852'(5(63216$%,/,'$'(&,9,/352),66,21$/3$5$
0e',&26'(17,67$6(28$8;,/,$5(6'$0(',&,1$¬%$6(
'(5(&/$0$d®(6&20127,),&$d2
'(),1,d®(6(63(&Ë),&$6'(67(6(*852
'(),1,d®(6*(5$,6
6(*852'(5(63216$%,/,'$'(&,9,/352),66,21$/3$5$
0e',&26'(17,67$6(28$8;,/,$5(6'$0(',&,1$¬%$6(
'(5(&/$0$d®(6&20127,),&$d21
',6326,d®(6*(5$,61
&OiXVXOD±2%-(72'26(*8521
&OiXVXOD±&21',d®(63$5$9$/,'$'('26(*8521
&OiXVXOD±&21',d®(6(63(&Ë),&$6'$&2%(5785$1
&OiXVXOD127,),&$d®(61
&OiXVXOD±35$=2&203/(0(17$53$5$5(&/$0$d®(61
&OiXVXOD±35$=2683/(0(17$53$5$5(&/$0$d®(61
&OiXVXOD±75$16)250$d2'($3Ï/,&(
&OiXVXOD±(;&/86®(6*(5$,61
&OiXVXOD±$%5$1*Ç1&,$'$6&2%(5785$6
&OiXVXOD±/,0,7(0È;,02'(,1'(1,=$d2
&OiXVXOD±$/7(5$d2'2/,0,7(0È;,02'(,1'(1,=$d2
&OiXVXOD±/,0,7($*5(*$'2$18$/'(,1'(1,=$d2
&OiXVXOD±$&(,7$d2)250$'(&2175$7$d2(9,*Ç1&,$
&OiXVXOD±5(129$d2
&OiXVXOD±'(&/$5$d®(69
&OiXVXOD±75$16)(5Ç1&,$'($3Ï/,&(9
&OiXVXOD±3$*$0(172'235Ç0,29
&OiXVXOD±2%5,*$d®(6'26(*85$'2*$5$17,'21
Condições Gerais 6HJXURGH5HVSRQVDELOLGDGH&LYLO3UR¿VVLRQDOSDUD0pGLFRV'HQWLVWDVHRX$X[LOLDUHVGD0HGLFLQD
j%DVHGH5HFODPDo}HVFRP1RWL¿FDomR9HUVmRE3URFHVVR6XVHS1
&OiXVXOD±2%5,*$d®(6'26(*85$'2(67,38/$17(
&OiXVXOD±352&(',0(1726(0&$62'(6,1,6752
('2&80(1726%È6,&26
&OiXVXOD±&21&255Ç1&,$'($3Ï/,&(6
&OiXVXOD±3(5'$'(',5(,726
&OiXVXOD±&$1&(/$0(172'26(*8529
&OiXVXOD±3$*$0(172'$,1'(1,=$d21
&OiXVXOD±35(6&5,d2
&OiXVXOD±68%52*$d2'$6(*85$'25$
&OiXVXOD±)252
&OiXVXOD±$78$/,=$d2'(9$/25(6
(;7(162'(&2%(5785$3$5$'$126025$,612
',5(7$0(17('(&255(17(6'('$1260$7(5,$,6(28
&25325$,60e',&263$72/2*,67$6(28$8;,/,$5(6'(
0(',&,1$1(67$(63(&,$/,'$'(
5HJXODPHQWRGR'()(1625'26(*85$'2
$UWLJR±'D&RQVWLWXLomR
$UWLJR±'D&RPSHWrQFLD
$UWLJR±'DV$OoDGDV
$UWLJR±6REUHR'()(1625'26(*85$'2±0$3)5(6(*8526
$UWLJR±'R0DQGDWR
$UWLJR±'R)XQFLRQDPHQWR
$UWLJR±'DV2EULJDo}HVGDV(PSUHVDV
$UWLJR±'RV5HFXUVRVSDUDR'()(1625'26(*85$'2±
0$3)5(6(*85269
DISPOSIÇÕES GERAIS
$ 6HJXUDGRUD JDUDQWH QRV WHUPRV GHVWDV &RQGLo}HV *HUDLV DWp R OLPLWH
Pi[LPRGHLQGHQL]DomRHP*DUDQWLDÒQLFDRLQWHUHVVHGR*DUDQWLGR6HJXUDGR
HPUHODomRjVXDUHVSRQVDELOLGDGHFLYLOSUR¿VVLRQDOPHGLDQWHDLQGHQL]DomR
GRVGDQRVFDXVDGRVDWHUFHLURVTXHRPHVPRYHQKDDVHUREULJDGRDUHSDUDU
GHFRUUHQWHV GH HUURV RX RPLVV}HV FRPHWLGRV QR H[HUFtFLR GD SUR¿VVmR GH
PpGLFRGHQWLVWDHRXDX[LOLDUGDPHGLFLQDH[FOXVLYDPHQWHQDHVSHFLDOLGDGH
VHJXUDGDGHVFULWDQD$SyOLFHSHORVTXDLVYHQKDDVHUFLYLOPHQWHUHVSRQViYHO
HGHVGHTXHRVHUURVRXRPLVV}HVVHMDPFRPHWLGRVGXUDQWHDYLJrQFLDGR
6HJXURRXGXUDQWHRSHUtRGRGHUHWURDWLYLGDGHGD$SyOLFH
(VWHVHJXURWDPEpPJDUDQWHQRVWHUPRVGHVWDV&RQGLo}HV*HUDLVGHQWUR
GR PHVPR OLPLWH Pi[LPR GH LQGHQL]DomR HP *DUDQWLD ÒQLFD R LQWHUHVVH
GR *DUDQWLGR6HJXUDGR HP UHODomR j VXD UHVSRQVDELOLGDGH FLYLO PHGLDQWH
D LQGHQL]DomR GRV GDQRV FDXVDGRV D WHUFHLURV TXH R PHVPR YHQKD D VHU
REULJDGR D UHSDUDU GHFRUUHQWHV GH DFLGHQWHV UHODFLRQDGRV j H[LVWrQFLD
XVRHFRQVHUYDomRGRVLPyYHLVRFXSDGRVSRUFOtQLFDVHRXFRQVXOWyULRVVRE
VHX FRQWUROH H QRV TXDLV R *DUDQWLGR6HJXUDGR GHVHQYROYH VXD DWLYLGDGH
SUR¿VVLRQDOSHORVTXDLVYHQKDDVHUFLYLOPHQWHUHVSRQViYHOHGHVGHTXHWDLV
DFLGHQWHV RFRUUDP GXUDQWH D YLJrQFLD GR 6HJXUR RX GXUDQWH R SHUtRGR GH
UHWURDWLYLGDGHGD$SyOLFH
Condições Gerais 6HJXURGH5HVSRQVDELOLGDGH&LYLO3UR¿VVLRQDOSDUD0pGLFRV'HQWLVWDVHRX$X[LOLDUHVGD0HGLFLQD
j%DVHGH5HFODPDo}HVFRP1RWL¿FDomR9HUVmRE3URFHVVR6XVHS1
Cláusula 2 – CONDIÇÕES PARA VALIDADE DO SEGURO
2SUHVHQWHSODQRGHVHJXURVHUiRSHUDFLRQDOL]DGRj%DVHGH5HFODPDo}HV
&ODLPV0DGHHGHVWDIRUPDDFREHUWXUDFRQWUDWDGDVRPHQWHVHUiYiOLGD
FRQVLGHUDQGRVHDOpPGDGDWDGHRFRUUrQFLDGRHUURRXRPLVVmRFRPHWLGR
QR H[HUFtFLR GD SUR¿VVmR GH PpGLFR GHQWLVWD HRX DX[LOLDU GD PHGLFLQD D
GDWDGD1RWL¿FDomRGH([SHFWDWLYDGH5HFODPDomRj6HJXUDGRUDIHLWDSHOR
Garantido/SeguradoH
DTXHRWHUFHLURDSUHVHQWHDUHFODPDomRDR6HJXUDGR
DGXUDQWHRSHUtRGRGHYLJrQFLDGDDSyOLFHRX
DGXUDQWHRSUD]RFRPSOHPHQWDUTXDQGRFDEtYHORX
DGXUDQWHRSUD]RVXSOHPHQWDUTXDQGRFDEtYHO
ETXHDVUHFODPDo}HVHVWHMDPYLQFXODGDVDGDQRVRFRUULGRVGXUDQWHDYLJrQFLD
GD$SyOLFHRXGXUDQWHRSHUtRGRGHUHWURDWLYLGDGH
$ FREHUWXUD GDV$SyOLFHV UHQRYDWyULDV VHP GHVFRQWLQXLGDGH GH YLJrQFLD
VHJXLUmRRVPHVPRVSULQFtSLRVDFLPDHVWDEHOHFLGRVUHVSHLWDQGRVHDGDWD
UHWURDWLYD FRQIRUPH GLVSRVWR QDV 'HILQLo}HV *HUDLV GHVWDV &RQGLo}HV
*HUDLV
Cláusula 3 – CONDIÇÕES ESPECÍFICAS DA COBERTURA
(VWmRJDUDQWLGRVSRUHVWHVHJXURVHPSUHMXt]RGDVGHPDLVGLVSRVLo}HVGHVWH
FRQWUDWRHDWpR/LPLWH0i[LPRGH,QGHQL]DomRFRQWUDWDGRHHVWDEHOHFLGRQD
$SyOLFHRVHYHQWRVGLVFULPLGDGRVQDFREHUWXUDDVHJXLU
1.1. Responsabilidade Civil Profissional
D5HFODPDomRSRUTXDOTXHUGDQRFRUSRUDOHRXPDWHULDOEHPFRPRSHORGDQR
PRUDOGLUHWDPHQWHGHFRUUHQWHGRGDQRFRUSRUDOHRXPDWHULDOHDLQGDSRUWRGDV
DVSHUGDV¿QDQFHLUDVjTXHOHVGDQRVGLUHWDPHQWHUHODFLRQDGDVFDXVDGDVRX
SUHWHQVDPHQWHFDXVDGDVDXPSDFLHQWHSRUTXDOTXHUHUURRXRPLVVmRFRPHWLGR
QRH[HUFtFLRGDSUR¿VVmRGHPpGLFRGHQWLVWDHRXDX[LOLDUGDPHGLFLQDSHOR
TXDOR*DUDQWLGR6HJXUDGRYHQKDDVHUFLYLOPHQWHUHVSRQViYHOHPVHQWHQoD
MXGLFLDOWUDQVLWDGDHPMXOJDGRRXHPDFRUGRDXWRUL]DGRGHPRGRH[SUHVVR
SHOD6HJXUDGRUD
E5HFODPDomRSRUGDQRFRUSRUDOHRXPDWHULDOGHQDWXUH]DDFLGHQWDOEHP
FRPRRGDQRPRUDOGLUHWDPHQWHGHFRUUHQWHGRGDQRFRUSRUDOHRXPDWHULDOH
DLQGDSRUWRGDVDVSHUGDV¿QDQFHLUDVjTXHOHVGDQRVGLUHWDPHQWHUHODFLRQDGDV
TXDQGRIRUPXODGDSRUWHUFHLURHPUD]mRGDUHVSRQVDELOLGDGHFLYLOGR*DUDQWLGR
6HJXUDGRHFRQVHTHQWHGDSURSULHGDGHHRXGDSRVVHXVRHFRQVHUYDomR
GRVLPyYHLVFOtQLFDVRXFRQVXOWyULRVHGHVHXVUHVSHFWLYRVFRQWH~GRVQRV
Condições Gerais 6HJXURGH5HVSRQVDELOLGDGH&LYLO3UR¿VVLRQDOSDUD0pGLFRV'HQWLVWDVHRX$X[LOLDUHVGD0HGLFLQD
j%DVHGH5HFODPDo}HVFRP1RWL¿FDomR9HUVmRE3URFHVVR6XVHS1
TXDLVHFRPRVTXDLVR*DUDQWLGR6HJXUDGRGHVHQYROYHDVDWLYLGDGHVSUySULDV
GD VXD SUR¿VVmR REMHWR GHVWH VHJXUR H TXH ¿JXUDP QD (VSHFL¿FDomR GD
$SyOLFHFRPR³ORFDLVVHJXUDGRV´SHORTXDOR*DUDQWLGR6HJXUDGRYHQKDD
VHUFLYLOPHQWHUHVSRQViYHOHPVHQWHQoDMXGLFLDOWUDQVLWDGDHPMXOJDGRRXHP
DFRUGRDXWRUL]DGRGHPRGRH[SUHVVRSHOD6HJXUDGRUD
F5HVSRQVDELOLGDGHFLYLOGR*DUDQWLGR6HJXUDGRVREUHRXVRGHWRGDFODVVH
GH HTXLSDPHQWRV PpGLFRV HOHWU{QLFRV XWLOL]DGRV SDUD ¿QV GH GLDJQyVWLFRV
HRXWUDWDPHQWRVSUHYLDPHQWHDXWRUL]DGRVSHODDXWRULGDGHFRPSHWHQWHDVVLP
FRPRDVDSOLFDo}HVHPSDFLHQWHVGHPDWHULDLVUDGLRDWLYRVQDWXUDLVRXDUWL¿FLDLV
OLEHUDGRVSHORVHTXLSDPHQWRVGHVGHTXHVHMDPQHFHVViULDVSDUDDREWHQomR
GRGLDJQyVWLFRHRXWUDWDPHQWRH
G'HVSHVDVFRPRVLQLVWUR TXHD6HJXUDGRUDVHFRPSURPHWHWDPEpPDSDJDU
para RVULVFRVFREHUWRVSRUHVWD$SyOLFH GHDFRUGRFRPROLPLWHFRQVWDQWHGD
VXDHVSHFL¿FDomRHGHPDLVGLVSRVLo}HVGHVWDVFRQGLo}HV
'HQWUR GR OLPLWH Pi[LPR GH LQGHQL]DomR SUHYLVWR QHVWD$SyOLFH D
6HJXUDGRUDUHVSRQGHUiWDPEpPSHODVFXVWDVMXGLFLDLVSHORVKRQRUiULRVGH
DGYRJDGRVSHODFRQVWLWXLomRGH¿DQoDVTXHIRUHPH[LJLGDVSDUDDVVHJXUDUHP
DVSRVVtYHLVUHVSRQVDELOLGDGHVFLYLVGHFODUDGDVQRSRVWHULRUMXOJDPHQWRGR
SURFHVVRHSHODVGHPDLVGHVSHVDVFRPRSURFHVVRHDGHIHVDGR*DUDQWLGR
6HJXUDGRGHVGHTXHWRGDVDVGHVSHVDVHVWHMDPGHYLGDPHQWHFRPSURYDGDV
HVHMDPUHODFLRQDGDVDUHFODPDo}HVHQTXDGUiYHLVQRkPELWRGHFREHUWXUD
GHVWD$SyOLFH
1.1.2. Excluem-se desta garantia os danos causados a qualquer pessoa
que execute atividades profissionais ou científicas e que, por exercício
da atividade, encontre-se exposta aos riscos de raios e radiação.
2. Data do Erro ou Omissão
6HDGDWDHPTXHIRLFRPHWLGRRUHIHULGRHUURRXRPLVVmRQmRSXGHUVHU
GHWHUPLQDGDFRPH[DWLGmR¿FDFRQYHQFLRQDGRTXHRPHVPRIRLFRPHWLGRQR
PRPHQWRHPTXHVHGHXDSULPHLUDFRQGXWDRPLVVLYDRXFRPLVVLYDGH¿QLGD
FRPRQHJOLJHQWHLPSUXGHQWHRXLPSHULWDTXHHPFRQMXQWRFRPRXWURVIDWRV
FRQVWLWXtUDPRHUURRXDRPLVVmRGR*DUDQWLGR6HJXUDGR
6HWDPSRXFRDSULPHLUDFRQGXWDRPLVVLYDRXDSULPHLUDFRQGXWDFRPLVVLYD
SXGHUVHUGHWHUPLQDGDFRPH[DWLGmR¿FDFRQYHQFLRQDGDFRPR³GDWDGRUHIHULGR
HUURRXRPLVVmR´DGDWDGHLQtFLRGRWUDWDPHQWRRXGDSUHVWDomRGHVHUYLoRV
GXUDQWHRVTXDLVVHSRGHULDSUHVXPLUTXHRFRUUHXRHUURRXDRPLVVmR
4XDQGR YiULRV RX XPD VpULH GRV UHIHULGRV HUURV RX RPLVV}HV IRUHP
FRQVLGHUDGRVFRPR³XP~QLFRHLGrQWLFRHUURRXRPLVVmR´¿FDHQWHQGLGRTXHD