ROUTINE

MDS Brasil/Miral understands that the study of the insurable priorities of each case is fundamental. This study is expressed in some work routines, such as:

a) need for insurance

	Evidence of risk
	Background of losses
	Risks to be covered

b) insurance contracting

	Analysis of every specific product (branch of insurance)
	Maximum damages
	insurance companies selection
	Research of alternatives

c) insurance management

	Definition of criteria
	Level of relationship between MDS Brasil/Miral and insurance companies

d) in auditing

	Check the adequacy of the insurance coverage of assets in evolution and/or in continuous change
	Verify the optimum relationship between cost/benefit made explicit in the audited insurance contracts
	Apprise the efficaciousness of other insurance brokerage firms, recommending those that enjoy the best reputation, efficiency,
	and those who offer better services
	Prevent an insufficient insurance coverage for a specified risk
	Allow the participation of the party insured in the profit of policies of different lines
	Ensure adequate recovery of the insurance in the event of damages

e) in assisting:

	Optimize insurance accounts in current terms of cost/benefit of a commercial and technical order
	Improve the norms applicable to risk management and loss prevention
	Formulate a selective choice of insurance and co-insurance companies
	Constitute and implement an insurance committee within the management concept applicable to the company
	Make compatible the rapid winding up of damages, by drawing on the terms of the contract and of the pertinent legislation