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Na atividade de transporte de cargas, existe um universo com variados tipos de mercadorias possíveis de se transportar. Cada mercadoria possui uma particularidade, seja na forma de armazená-la ou durante o transporte. Por isso, dentro do seguro de carga é necessário avaliar caso a caso a individualidade de cada operação de transporte. Daí surgem as Mercadorias em Geral e Específicas.
Por meio de estatísticas, que levam em consideração ocorrências de roubo, as companhias seguradoras categorizam os tipos de mercadorias entre Geral e Específica. É algo que toda apólice de roubo (RCF-DC) possui e que o transportador precisa estar sempre atento para que seu embarque esteja de acordo com o que exige sua apólice, assim como seu plano de gerenciamento de risco.
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Mercadoria em Geral
Para facilitar o entendimento, vamos dividir em duas partes as explicações das categorias de Mercadorias em Geral e Específicas, falando primeiro das Mercadorias em Geral, que são todas aquelas que não constam na relação de mercadorias específicas da apólice. Por possuírem menores índices de roubo, acabam tendo um Plano de Gerenciamento de Risco (PGR) mais flexível. Além de possuírem maiores limites para os embarques.
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Mercadorias Específicas
Também orientadas pelos motivos relacionados aos índices de roubo, as Mercadorias Específicas possuem uma exigência mais rígida de Gerenciamento de Risco, além de limites reduzidos por embarque, se comparado às Mercadorias em Geral. Entre as categorias de Mercadorias em Geral e Específicas, as Mercadorias Específicas possuem uma subclassificação própria entre Alto Risco e Risco Moderado, que pode variar de acordo com a política de cada Cia. Seguradora.
Em toda apólice de roubo contratada por transportadores em território nacional, há um limite de transporte de mercadorias em geral e uma relação com os sublimites de cada mercadoria específica, que são os gatilhos para monitoramento, elencados no capítulo da apólice que trata do Gerenciamento de Risco. Caso não seja cumprida a regra de gerenciamento de risco, a indenização de um eventual sinistro de roubo ficará limitada ao valor do sublimite ou poderá até mesmo ser negada, dependendo da regra estabelecida na apólice de seguro. Regra essa que varia entre as cias seguradoras.
Importante destacar que os limites reduzidos de mercadorias específicas destacados no corpo da apólice, ou em eventuais adendos e anexos, no tópico de Limite Máximo de Garantia, prevalecem aos limites da apólice. Por exemplo:
Se uma apólice oferece um limite de R$ 500mil para embarques de mercadorias em geral, porém, tem um limite reduzido de R$ 100 mil para uma determinada mercadoria específica, é o segundo valor que deverá ser levado em consideração para aquela mercadoria específica, sendo possível complementar o embarque com mais R$ 400mil de outros tipos de mercadorias em geral que não tenham um limite reduzido ou até por outras mercadorias específicas, desde que cumpridos também seus limites determinados na apólice. Aqui no exemplo cabe o importante alerta de que, sendo o sublimite de R$ 100 mil, se este for ultrapassado, a carga deverá ser monitorada para que haja a manutenção da cobertura securitária.
Dada a complexidade desse tema de Mercadorias em Geral e Específicas, é importante que os transportadores se aliem aos corretores de seguro especialistas em transporte, como a Shamah Seguros de Transportes. É fato que um corretor especialista faz toda diferença na construção de apólices que possuam proteção ampla desde o início da contratação.
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Mercadorias em Geral e Específicas: Exemplos
Mas afinal, quais são mercadorias enquadradas como geral e quais são específicas? Não há uma regra única, embora as principais cias. Seguradoras especialistas em transporte sigam linhas semelhantes. Dessa forma, seguem abaixo alguns exemplos praticados pelas principais companhias:
São sempre consideradas específicas
Produtos alimentícios, eletroeletrônicos, aço, cobre, polímeros, alumínio, cosméticos, medicamentos, eletrodomésticos, café, celulares, entre outros.
São sempre consideradas em geral
Máquinas e equipamentos de grande porte, embalagens, móveis, peças industriais, estruturas metálicas, entre outros.
Mercadorias em Geral e Específicas: Dúvidas?
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Ficou com alguma dúvida sobre Mercadorias em Geral e Específicas ou gostaria de revisitar os limites e gerenciamento de risco de sua apólice? Fale com um de nossos especialistas em Seguros de Transporte.
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Rua Candapui, 427 – Vila Marieta
São Paulo – SP – CEP: 03621-000
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