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Master's Dissertation
DOI
10.11606/D.2.2013.tde-17012014-100235
Document
Author
Full name
Marília de Cara
E-mail
Institute/School/College
Knowledge Area
Date of Defense
Published
São Paulo, 2013
Supervisor
Committee
Fonseca, Priscila Maria Pereira Correa da (President)
Prado, Roberta Nioac
Toledo, Paulo Fernando Campos Salles de
Title in Portuguese
A aplicabilidade do seguro de responsabilidade civil de administradores e diretores na âmbito da administração das companhias
Keywords in Portuguese
Companhias de seguro
Mercado de capitais
Seguro de responsabilidade civil
Abstract in Portuguese
Acompanhando o desenvolvimento do mercado de capitais brasileiro, a procura pelo seguro de responsabilidade civil de diretores e administradores, cujo principal objetivo é ressarcir as perdas pecuniárias que os administradores venham a sofrer em virtude de reclamações de terceiros, cresceu significativamente nos últimos anos. Se de um lado este seguro mostra-se um importante instrumento de proteção aos administradores diligentes que porventura tenham seu patrimônio afetado para reparação de danos a terceiros prejudicados por seus atos, de outro, ele poderia servir de incentivo aos maus gestores que, amparados pelo seguro, negligenciariam seus deveres e obrigações enquanto administradores, gerando o chamado risco moral (moral hazard). Mediante a análise de hipóteses em que se discute a aplicação do seguro no âmbito da administração das companhias, este trabalho propõe-se a examinar de que forma os múltiplos efeitos resultantes da aplicabilidade ou o do afastamento da aplicabilidade do seguro afetam o comportamento dos administradores, bem como debater a admissibilidade do seguro no direito brasileiro, vis-à-vis os questionamentos relativos às situações que colocam em xeque a viabilidade da cobertura securitária.
Title in English
The applicability of directors and officers liability insurance in the management of companies
Keywords in English
Civil liability
D&O
Duties
Insurance
Managers
Moral hazard
Risk
Abstract in English
Following the development of the Brazilian capital market, the demand for the directors and officers liability insurance (D&O Insurance) whose main purpose is to indemnify pecuniary losses incurred by managers as a result of third-party complaints against them grew considerably in the past few years. On the one hand, the D&O Insurance appears as an important instrument for protection of diligent managers who happen to have their assets affected in order to indemnify damages deriving from their acts; on the other hand, this type of insurance could be seen as an incentive for bad managers, who could neglect their duties and obligations in their capacity as officers based on the protection afforded by the D&O Insurance, therefore increasing the so-named moral hazard. By analyzing the hypothesis in which the applicability of the insurance is questionable, this paper intends to examine how the multiple effects arising from the applicability or the inapplicability of the D&O Insurance affect the managers behavior, as well as to discuss the admissibility of this type of insurance by the Brazilian law, vis-à-vis the situations where the feasibility of the insurance coverage is questionable.
 
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Publishing Date
2014-01-24
 
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