{"id":530,"date":"2017-01-31T12:19:03","date_gmt":"2017-01-31T14:19:03","guid":{"rendered":"http:\/\/www.metasul.net\/?page_id=530"},"modified":"2017-03-14T17:01:48","modified_gmt":"2017-03-14T20:01:48","slug":"seguro-de-lucros-cessantes","status":"publish","type":"page","link":"https:\/\/www.metasul.net\/solucoes-para-o-seu-negocio\/seguro-de-lucros-cessantes\/","title":{"rendered":"Seguro de Lucros Cessantes"},"content":{"rendered":"<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av-layout-grid-1' class='av-layout-grid-container entry-content-wrapper main_color av-flex-cells  container_wrap sidebar_right'   >\n<div class=\"flex_cell no_margin av_one_third   \" style='vertical-align:top; background-color:#5d6a72; '><div class='flex_cell_inner' ><p><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><\/div><div class=\"flex_column av_four_fifth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><div style='padding-bottom:0px;color:#959fa6;' class='av-special-heading av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >Sua Empresa <img decoding=\"async\" src=\"http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/flecha-cinza.png\" \/><\/h1><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#959fa6'><\/div><\/div><\/div><\/div><\/p>\n<\/div><\/div><div class=\"flex_cell no_margin av_one_third   \" style='vertical-align:top; background-color:#6f797f; '><div class='flex_cell_inner' ><div class='flex_column_table av-equal-height-column-flextable' ><div class=\"flex_column av_one_full  flex_column_table_cell av-equal-height-column av-align-middle av-zero-column-padding first  \" style='border-radius:0px; '><div style='padding-bottom:0px;color:#ffffff;' class='av-special-heading av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered  '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >Seguro de Lucros Cessantes<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#ffffff'><\/div><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose:  -->\n<\/div><\/div><div class=\"flex_cell no_margin av_one_third   \" style='vertical-align:top; background-color:#6f797f; '><div class='flex_cell_inner' ><\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='full_slider_1' class='avia-fullwidth-slider main_color avia-shadow   container_wrap sidebar_right'   ><div  data-size='no scaling'  data-lightbox_size='large'  data-animation='slide'  data-ids='553'  data-video_counter='0'  data-autoplay='false'  data-bg_slider='false'  data-slide_height=''  data-handle='av_slideshow_full'  data-interval='5'  data-class=' '  data-css_id=''  data-scroll_down=''  data-control_layout='av-control-default'  data-custom_markup=''  data-perma_caption=''  data-autoplay_stopper=''  data-src=''  data-position='top left'  data-repeat='no-repeat'  data-attach='scroll'  data-stretch=''  class='avia-slideshow avia-slideshow-1  av-control-default av-default-height-applied avia-slideshow-no scaling av_slideshow_full   avia-slide-slider '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner' style='padding-bottom: 23.4375%;'><li  class=' av-single-slide slide-1 ' ><div data-rel='slideshow-1' class='avia-slide-wrap'  ><div class = \"caption_fullwidth av-slideshow-caption caption_center\"><div class = \"container caption_container\"><div class = \"slideshow_caption\"><div class = \"slideshow_inner_caption\"><div class = \"slideshow_align_caption\"><h2  style='color:#ffffff; ' class='avia-caption-title'  itemprop=\"name\" ><img decoding=\"async\" style=\"width: 10%;\" src=\"http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2017\/02\/Seguro-de-Lucros-icon.png\" \/><br \/>\nSeus lucros protegidos<br \/>\nseu neg\u00f3cio mais seguro!<\/h2><\/div><\/div><\/div><\/div><\/div><img src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2017\/02\/Seguro-de-Lucros-img.jpg' width='1920' height='450' title='Seguro-de-Lucros---img' alt=''  itemprop=\"contentURL\"  \/><\/div><\/li><\/ul><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_1' class='avia-section main_color avia-section-default avia-no-shadow avia-bg-style-scroll  container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><p><div style='padding-bottom:10px;' class='av-special-heading av-special-heading-h3    '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >O seguro que garante a situa\u00e7\u00e3o financeira de sua empresa mesmo com a interfer\u00eancia no movimento de neg\u00f3cios<\/h3><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock '   itemprop=\"text\" ><p>O Seguro de Lucros Cessantes atua a partir da ocorr\u00eancia de sinistros de Danos Materiais, os quais venham\u00a0causar a paralisa\u00e7\u00e3o ou diminui\u00e7\u00e3o das atividades em uma empresa. Seu\u00a0objetivo \u00e9 garantir a situa\u00e7\u00e3o financeira da empresa contra perda de Lucro L\u00edquido e\/ou das Despesas Fixas, em caso de sinistros que interfiram no movimento de seus neg\u00f3cios.<\/p>\n<h3>Requisitos B\u00e1sicos para Contrata\u00e7\u00e3o:<\/h3>\n<ol>\n<li>Empresa devidamente\u00a0inscrita no Cadastro Nacional de Pessoa Jur\u00eddica (CNPJ\/MF);<\/li>\n<li>Possuir contabilidade organizada;<\/li>\n<li>Possuir Seguro de Danos Materiais.<\/li>\n<\/ol>\n<\/div><\/section><br \/>\n<div class=\"togglecontainer  \">\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{Todos} \" >        <p data-fake-id=\"#toggle-id-1\" class=\"toggler \"  itemprop=\"headline\" ><img decoding=\"async\" src=\"http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/flecha-sem-borda.png\" \/> O que est\u00e1 coberto?<span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-1-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><h2>Risco Coberto:<\/h2>\n<p>O Risco coberto pelo Seguro de Lucros Cessantes \u00e9 a perda de lucro bruto gerada pela paralisa\u00e7\u00e3o total ou parcial nos neg\u00f3cios da empresa, em virtude de danos materiais causados por eventos cobertos, em que qualquer dos bens m\u00f3veis ou im\u00f3veis existentes no local venham a ser danificados ou destru\u00eddos em consequ\u00eancia desses eventos.<\/p>\n<p>O valor segur\u00e1vel no Seguro de Lucros Cessantes \u00e9 o <strong>Lucro Bruto ou Lucro Bruto Segur\u00e1vel<\/strong>. Dessa maneira, desdobram-se tr\u00eas potenciais contextos:<\/p>\n<h3>1. A Empresa Opera com Resultado Nulo:<\/h3>\n<p style=\"padding-left: 30px;\">Lucro Bruto Segur\u00e1vel = Despesas Fixas<\/p>\n<h3>2. A Empresa Opera com Lucro:<\/h3>\n<p style=\"padding-left: 30px;\">Lucro Bruto Segur\u00e1vel = Despesas Fixas + Lucro L\u00edquido<\/p>\n<h3>3. A Empresa Opera com Preju\u00edzo:<\/h3>\n<p style=\"padding-left: 30px;\">Lucro Bruto Segur\u00e1vel = Despesas Fixas \u2013 Preju\u00edzo<\/p>\n<h3><\/h3>\n<h3>A cobertura poder\u00e1 ser acionada desde que:<\/h3>\n<ul>\n<li>O per\u00edodo de paralisa\u00e7\u00e3o seja maior que a franquia estipulada na ap\u00f3lice;<\/li>\n<li>A interdi\u00e7\u00e3o do local tenha sido determinada por autoridade competente.<\/li>\n<\/ul>\n<h2>Per\u00edodo Indenit\u00e1rio:<\/h2>\n<p>Ap\u00f3s a ocorr\u00eancia de um evento (fato gerador), haver\u00e1 a necessidade de um tempo para a empresa recuperar o ritmo normal de suas atividades. Esse tempo \u00e9 denominado per\u00edodo indenit\u00e1rio no Seguro de Lucros Cessantes, o qual dever\u00e1, obrigatoriamente, ser definido na ap\u00f3lice, estimado pelo segurado, expresso em meses e limitado, no m\u00e1ximo, a 36 meses.<\/p>\n<p>O per\u00edodo indenit\u00e1rio \u00e9 tamb\u00e9m determinante para o c\u00e1lculo do pr\u00eamio.<\/p>\n<h2><\/h2>\n<h2>Principais eventos que poder\u00e3o ser garantidos pela cobertura de Lucros Cessantes:<\/h2>\n<ul>\n<li>Inc\u00eandio, Queda de Raio e Explos\u00e3o de Qualquer Natureza;<\/li>\n<li>Vendaval, Furac\u00e3o, Fuma\u00e7a, Ciclone, Tornado, Granizo, Queda de Aeronaves e Impacto de Ve\u00edculos Terrestres;<\/li>\n<li>Quebra de M\u00e1quinas;<\/li>\n<li>Tumultos;<\/li>\n<li>Alagamento\/ Inunda\u00e7\u00e3o;<\/li>\n<li>Danos El\u00e9tricos;<\/li>\n<li>Vazamento de Chuveiros Autom\u00e1ticos (Sprinklers);<\/li>\n<li>Deteriora\u00e7\u00e3o de Mercadorias em Ambientes Frigorificados;<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><\/h2>\n<h3><\/h3>\n<h3><\/h3>\n<h3><\/h3>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{Todos} \" >        <p data-fake-id=\"#toggle-id-2\" class=\"toggler \"  itemprop=\"headline\" ><img decoding=\"async\" src=\"http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/flecha-sem-borda.png\" \/> A quem se destina?<span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-2-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>Toda e qualquer empresa, devidamente inscrita no Cadastro Nacional de Pessoa Jur\u00eddica (CNPJ\/MF),\u00a0 que possui contabilidade organizada e que, preliminarmente, j\u00e1 tenha uma ap\u00f3lice enquadrada nos seguintes ramos:<\/p>\n<ul>\n<li><strong>Danos Materiais;<\/strong><\/li>\n<li><strong>Multirriscos Empresariais;<\/strong><\/li>\n<li><strong>Condom\u00ednios;<\/strong><\/li>\n<li><strong>Riscos Nomeados;<\/strong><\/li>\n<li><strong>Riscos Operacionais;<\/strong><\/li>\n<li><strong>Riscos de Engenharia.<\/strong><\/li>\n<\/ul>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{Todos} \" >        <p data-fake-id=\"#toggle-id-3\" class=\"toggler \"  itemprop=\"headline\" ><img decoding=\"async\" src=\"http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/flecha-sem-borda.png\" \/> Benef\u00edcios e vantagens<span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-3-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><ul>\n<li>Pode ser contratado como um Seguro \u00e0 parte, desde que vinculado a outra ap\u00f3lice que cubra Danos Materiais ao mesmo objeto segurado;<\/li>\n<li>Ou pode ser contratado como uma Cobertura Adicional a partir de uma ap\u00f3lice existente;<\/li>\n<li>Contrata\u00e7\u00e3o \u00e1gil e simplificada.<\/li>\n<\/ul>\n            <\/div>        <\/div>    <\/div><\/section>\n<\/div><\/p><\/div><div class=\"flex_column av_two_fifth  flex_column_div   \" style='padding:30px; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock '   itemprop=\"text\" ><h2>Se interessou?<br \/>\nFa\u00e7a sua cota\u00e7\u00e3o<\/h2>\n<p>Em poucos cliques e segundos voc\u00ea tem<br \/>\ntodas as informa\u00e7\u00f5es que precisa:<\/p>\n<\/div><\/section><br \/>\n<section class=\"avia_codeblock_section avia_code_block_0\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_codeblock '  itemprop=\"text\" > [avia_codeblock_placeholder uid=\"0\"] <\/div><\/section><\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_1' class='main_color av_default_container_wrap container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2' class='avia-section main_color avia-section-large avia-no-shadow avia-bg-style-scroll  marginTop container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='margin-top:-120px; margin-bottom:10px; border-radius:0px; '><div class='avia-image-container  av-styling-   avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/trofeu-cinza.png' alt='' title='trofeu-cinza'   itemprop=\"contentURL\"  \/><\/div><\/div><\/div><div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><div style='padding-bottom:10px;' class='av-special-heading av-special-heading-h2  blockquote modern-quote modern-centered  '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Conhe\u00e7a nosso pelot\u00e3o de elite<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><\/div><div class=\"flex_column av_one_fourth  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-   avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/Vector-Smart-Object-4.png' alt='' title='Vector Smart Object'   itemprop=\"contentURL\"  \/><\/div><\/div><\/div><div class=\"flex_column av_one_fourth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><div class='avia-image-container  av-styling-   avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/Vector-Smart-Object-3.png' alt='' title='Vector Smart Object-3'   itemprop=\"contentURL\"  \/><\/div><\/div><\/div><div class=\"flex_column av_one_fourth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><div class='avia-image-container  av-styling-   avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/Vector-Smart-Object-2.png' alt='' title='Vector Smart Object-2'   itemprop=\"contentURL\"  \/><\/div><\/div><\/div><div class=\"flex_column av_one_fourth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><div class='avia-image-container  av-styling-   avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/09\/Vector-Smart-Object-1.png' alt='' title='Vector Smart Object-1'   itemprop=\"contentURL\"  \/><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_2' class='main_color av_default_container_wrap container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3' class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  feed-noticias-blog container_wrap sidebar_right' style = 'background-color: #f7f7f7; background-color: #f7f7f7; '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n<section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock '   itemprop=\"text\" ><div class=\"feedzy-rss\"><ul><li  style=\"padding: 40px 0 67px\" class=\"rss_item\"><div class=\"rss_image\" style=\"width:400px; height:400px;\"><a href=\"https:\/\/agrobiz.io\/ola-mundo\/\" target=\"_blank\" title=\"Ol\u00e1, mundo!\" ><span style=\"width:400px; height:400px; background-image:url(http:\/\/www.metasul.net\/principal\/wp-content\/uploads\/2016\/10\/colisoes.png);\" alt=\"Ol\u00e1, mundo!\"><\/span><\/a><\/div><div class=\"textos\"><div class=\"metadados\"><div class=\"data\"><img decoding=\"async\" class=\"jornal\" src=\"http:\/\/metasul.net\/principal\/wp-content\/uploads\/2016\/09\/dicas.png\">26 de janeiro de 2024 <\/div><div class=\"categoria\"> Sem categoria <\/div><\/div><h3 class=\"title\"><a href=\"https:\/\/agrobiz.io\/ola-mundo\/\" target=\"_blank\">Ol\u00e1, mundo!<\/a><\/h3><div class=\"rss_content\"><p>Boas-vindas ao WordPress. Esse \u00e9 o seu primeiro post. Edite-o ou exclua-o, e ent\u00e3o comece a escrever! [\u2026]<\/p><a class=\"div-botao\" href=\"https:\/\/agrobiz.io\/ola-mundo\/\" target=\"_blank\"><div class=\"btn botao\"><span class=\"av-icon-char\" style=\"font-size:38px;float: left;margin-top: -2px;color: rgb(255,121,0);\" aria-hidden=\"true\" data-av_icon=\"\ue875\" data-av_iconfont=\"entypo-fontello\"><\/span> Continue lendo<\/div><\/a><\/div><\/div><\/li><\/ul><\/div>\n<\/div><\/section>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_3' class='main_color av_default_container_wrap container_wrap sidebar_right'   ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-530'><div class='entry-content-wrapper clearfix'>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":379,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/pages\/530"}],"collection":[{"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/comments?post=530"}],"version-history":[{"count":5,"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/pages\/530\/revisions"}],"predecessor-version":[{"id":974,"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/pages\/530\/revisions\/974"}],"up":[{"embeddable":true,"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/pages\/379"}],"wp:attachment":[{"href":"https:\/\/www.metasul.net\/wp-json\/wp\/v2\/media?parent=530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}