Seguros e corretagem

Definição. Eight separate reported monetary series: direct premiums, insurance premiums, written premiums, earned premiums, reinsurance expense, claims incurred, reinsurance revenue, commercial expense. Gross/net concepts follow the official SES glossary; not broker revenue.

Cobertura. All companies in six explicitly declared branches: 0114 residential, 0531 auto casco, 0553 vehicle third-party liability, 0977 credit life, 0993 group life, 1111 agricultural; sample latest one month, refresh latest three months.

Limitações. Excludes discontinued retained premium/claims columns rather than treating structural zeros as active series. No exposures, policy counts, claim counts, severity, broker contracts or IFRS17 reconciliation. Branch mix, capitalization-regime fields and technical ratios cannot be combined without an explicit accounting bridge. FIP reloads may revise data. Three-month refresh does not detect older revisions; weekly publisher cadence is not a guarantee. Public grid rounds monetary values to whole BRL; no amount transformations or ratios are applied. Bulk ZIP was 577,297,354 bytes on 2026-10-22; it is not downloaded. Raw public table may contain other branches; only the declared six are emitted. Missing any expected branch/metric in any requested month is an explicit failed partial result.