Governance

Governing Bodies

Learn about the leadership structure that makes decisions, oversees processes, and ensures Horizonte Seguros honours every commitment to customers and regulators.

Principles

How we make decisions

Horizonte Seguros' governance is built on five non-negotiable principles that guide every decision, from policy approval to claims management.

Transparency
Responsibility
Fairness
Accountability
Sustainability

Structure

Three levels of decision-making, one direction

Horizonte Seguros' governance structure clearly separates who deliberates, who executes, and who oversees. This separation isn't bureaucracy; it's the guarantee that no important decision is made without proper scrutiny.

The result is an organisation where strategy is set by shareholders, executed by management, and constantly monitored by independent oversight bodies—exactly as it should be in a responsible insurance company.

Deliberation
General Assembly & Board of Directors
Set the company's course. Approve strategy, accounts, and executive appointments, ensuring all decisions serve shareholders' and customers' interests.
Execution
Executive Management & Internal Audit
Keep the company running day-to-day. Manage operations, products, and customer service, while internal audit verifies that everything complies with rules.
Oversight
Risk Committee & Ethics Committee
Watch for what could go wrong. Identify risks before they become problems, monitor organisational conduct, and ensure compliance with all regulatory requirements.

Everyone knows exactly what they need to do and who they answer to.

Horizonte Seguros' organisational chart was designed to eliminate ambiguity. Each functional area has the technical autonomy to operate with agility, but all report to oversight bodies, ensuring freedom of action never compromises rigour.