Alert issued
12 daysA −1.6 °C frost forecast for July 14 in Caxias do Sul, identified 12 days in advance.
Solutions for insurers and reinsurers
Underwrite for the climate ahead, not just the climate behind.
Projected climate risk by coordinate, socio-environmental checks for rural insurance and verifiable data on policyholders, suppliers and assets, for insurers, reinsurers and cooperative insurers.
An ESGreen specialist replies within one business day to schedule a time.
What already applies and what is coming
- CNSP 485 In force Socio-environmental prohibitions in rural insurance
- SUSEP 666 In force Annual sustainability report by April 30
- SUSEP CP 05/2026 Proposed IFRS S1/S2, climate scenarios and ESG in underwriting, under public consultation
- TSB Voluntary for now; insurers are expected in the second wave of the MRV system
- of lead time for the −1.6 °C frost in Caxias do Sul
- 12 days
- of lead time in a study of events in Rio Grande do Sul (Apr–May 2026)
- up to 18 days
- of the portfolio analyzed in the field study showed some level of exposure to extreme weather events in the previous two years
- 94,3%
- public, regulatory and global sources integrated
- 70+
Data as of Sep 2026. Sources: IRC-ESGreen (Climate Risk Index); ESGreen study of events in Rio Grande do Sul; field study covering more than 1,000 areas and properties in Southern Brazil.
Regulation has reached underwriting.
Three milestones define what the insurer needs to check, measure and report.
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CNSP Res. 485/2025, in force.
Rural insurance cannot cover a property without an active CAR, under embargo for illegal deforestation, or of a producer listed in the MTE registry of employers who subjected workers to conditions analogous to slavery.
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SUSEP Circular 666/2022, in force.
Sustainability policy, physical, transition and litigation climate risks in risk management, and an annual sustainability report by April 30.
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SUSEP Public Consultation 05/2026, proposed.
Alignment with IFRS S1/S2, climate scenario analysis for S1 and S2, ESG criteria in pricing and underwriting, and screening of assets, suppliers and service providers, with cooperative insurers in scope. The proposal provides for phased implementation, from the new rule to data collection and disclosure. The final text may change; the direction is already set.
From the rearview mirror to the portfolio's windshield.
Where climate and socio-environmental risk shows up at the insurer
- Underwriting
- Every rural insurance application needs CAR, embargo and MTE registry checks before acceptance.
- Checking manually, application by application, cannot keep up with crop season volume.
- Actuarial and pricing
- The historical average does not show what is coming in the next few weeks in the policy's region.
- Forecasts by coordinate and crop stage complement the historical series.
- Risk management and reinsurance
- The insured portfolio's concentration by region and crop changes every season.
- The event happens in the field. The impact shows up on the balance sheet.
- Sustainability and reporting
- SUSEP report by April 30 and, under the CP 05/2026 proposal, climate scenarios and alignment with IFRS S1/S2.
- Every number needs a source, a date and a version.
- Compliance and procurement
- CP 05/2026 proposes socio-environmental screening of suppliers and service providers.
- One-off lookups miss what changes after the policy is taken out.
- Investments
- Assets in the investment portfolio are also part of the proposed screening.
- The issuer has a CNPJ, and its risk can be measured and tracked.
From application to insured portfolio, on the same database.
Six routines that the ESGreen infrastructure supports at the insurer.
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Check CNSP 485 impediments at underwriting.
MTE employer registry and environmental embargoes by CPF and CNPJ; CAR status and overlaps by property; source and date recorded for each check.
Module: ESGreen Pre-assessment and Data & API
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Underwrite with the projected climate.
Rain, water deficit, frost, extreme temperature and wind by coordinate, weighted by crop stage, in windows of 7 to 90 days.
Module: IRC-ESGreen
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Track accumulation in the insured portfolio.
Concentration by state and crop, ranking of the most exposed areas and alerts by forecast event and affected area.
Module: IRC-ESGreen
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Assess corporate policyholders, suppliers and service providers.
ESGreen Score per CNPJ and continuous monitoring of CNPJs and CPFs, with alerts by type and by company.
Module: ESGreen Score and ESGreen Monitoring
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Screen the investment portfolio by issuer.
Issuer ESG risk per CNPJ, with the 12 layers and 5 dimensions of the ESGreen Score.
Module: ESGreen Score
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Document the evidence for SUSEP and audit.
Regulatory reporting with an audit trail: every data point with source, date and version, and dated IRC runs.
Module: All modules
IRC-ESGreen was validated on a real rural credit portfolio in the states of Paraná, Santa Catarina and Rio Grande do Sul. In insurance, variables, scope and tests are defined with the insurer during implementation.
Risk + value + action, on the same line.
Climate Risk Index from 0 to 100. The higher, the greater the risk.
IRC = Climate + ESG + Operational
- Climate
- rainfall, water deficit, frost, extreme temperature and wind by coordinate, weighted by crop stage, in 7- to 90-day windows.
- ESG
- ESGreen Score for the operator, built from 70+ auditable sources with traceability.
- Operational
- type, collateral, coverage and history of the operation.
Updated daily, recalculated with every run, probabilistic ensemble forecasting
Platform modules for insurers
One platform in three layers: data, intelligence and applications.
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IRC-ESGreen
Projected climate risk by coordinate, area and portfolio, with exposure in reais.
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ESGreen Pre-assessment
Individual report per CNPJ or CPF for underwriting and policyholder onboarding.
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ESGreen Score
ESG risk from 0 to 1,000 (the higher, the lower the risk) for policyholders, suppliers and issuers.
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ESGreen Monitoring
Corporate policyholders, suppliers and service providers tracked continuously.
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Individuals (CPF)
Individual policyholders, partners and officers verified at onboarding and tracked afterward, with alerts per person.
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Alert Center
Alerts on policyholders, suppliers and service providers handled by the right area, with a deadline and recorded sign-off.
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IFRS S1/S2 reporting
Sustainability and climate reporting organized by the standard's pillars, with evidence and platform data as input.
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Data & API
Lookup within the underwriting workflow and delivery via API, dashboard, report, alerts and batch.
Every requirement mapped to a data point, a piece of evidence and a report.
The insurer is the one that complies with the rule. ESGreen provides data, evidence and an audit trail.
| Regulation | Status | What it requires | How ESGreen helps |
|---|---|---|---|
| CNSP Res. 485/2025 (rural insurance) | In force | Prohibits coverage of a property without an active CAR, under embargo for illegal deforestation, or of a producer on the MTE employer registry. |
CAR, embargo and MTE registry checks by CPF, CNPJ and property at underwriting, with source and date. |
| SUSEP Circular 666/2022 | In forceAnnual sustainability report by April 30, kept online for 5 years or more | Sustainability policy and climate risks (physical, transition and litigation) in risk management. |
Portfolio climate risk data and screening of policyholders, suppliers and investees as inputs for risk management and the report. |
| SUSEP Public Consultation 05/2026 | ProposedUnder public consultation; the final text may change. The proposal provides for phased implementation: new rule, data collection and disclosure | Alignment with IFRS S1/S2, climate scenario analysis (S1 and S2), ESG in pricing and underwriting, and screening of assets, suppliers and service providers. |
"Underwrite with the climate ahead, not just the one behind": IRC-ESGreen in underwriting and ESGreen Score in screening. IRC scenarios are short-term (up to 90 days) and serve as input, not as the long-term scenario analysis of IFRS S2. |
| Brazilian Sustainable Taxonomy and MRV system | VoluntaryFor now. Insurers are expected in the second wave of the MRV system, which is moving toward mandatory verification | Reporting on the alignment of assets and investments with the TSB, with classification by CNAE. |
Classification of issuers and counterparties by CNAE and evidence per issuer and per counterparty. |
| LGPD (Law 13,709/2018) | In force | Legal basis, DPO and data subject rights in processing data of individual policyholders. |
Data processing with an appointed data protection officer (DPO) and a channel for data subjects; details on the Trust page. |
Deadlines are set by regulators and may change. Official dates and estimates, with the review date, are on the regulatory map.
Where each requirement stands today
Deadlines may change. The direction does not: every requirement moves from drafting to consultation, from publication to effectiveness. And the evidence it will call for needs a history.
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Under development
Foreseen in an official document, with no date set in a rule yet.
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Proposed
Under consultation or with a proposed timeline. The direction is already set.
- SUSEP: new sustainability rules, with climate scenarios and ESG in underwriting SUSEP 666
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Published
Rule published. The requirement takes effect in stages.
No milestones in this status.
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In force
Already applies. Evidence must be kept up to date.
- CNSP 485: socio-environmental restrictions in rural insurance CNSP 485
Informational content; not legal advice. Deadlines are set by regulators and subject to change; official dates are on the regulatory map. Status reviewed on .
Two readings of the same portfolio
| Official zoning (ZARC) | IRC-ESGreen |
|---|---|
| Static, by municipality and by crop season. | Dynamic, per land parcel, recalculated with every run. |
Cross-referencing with a dynamic analysis can reveal exposures that aggregate zoning does not show at the operation level. The comparison requires a methodological basis, a sample and statistical evidence for the subset analyzed.
What IRC‑ESGreen has already anticipated
Rio Grande do Sul study (Apr–May 2026)
The April 20, 2026 run indicated two waves of instability over Rio Grande do Sul. The May 1, 2026 event recorded 324 mm in seven hours in Rosário do Sul. In the study of events in Rio Grande do Sul, the signals arrived up to 18 days in advance.
Field study
94.3% of the portfolio analyzed showed some level of exposure to extreme climate events in the previous two years, in a study covering more than 1,000 areas and properties in southern Brazil.
Real portfolio
- 414 contracts
- 1,023 land parcels
- 160 cities in PR, SC and RS
Portfolio of a credit cooperative in Southern Brazil.
Member of NVIDIA Inception. IRC-ESGreen presented at FEBRABAN TECH 2026 (August 24–26, 2026, São Paulo).
In the media: “Startup wants to bring climate risk into credit and insurance decisions”, Startups, August 31, 2026. Read at the source (opens in a new tab)
Data as of Sep 2026.
In underwriting, portfolio management and reporting.
Via API, dashboard, report or alert.
- Assessment report per operationa document per application or area that can be attached to the underwriting file.
- Operational dashboardranking, filters and a 360° view of each policyholder.
- Executive dashboardportfolio thermometer, map and scenarios.
- Alertsby forecast event and affected area.
- APIlookup within the underwriting workflow. Documentation on request.
- Regulatory reportingevidence for SUSEP, audit and IFRS S2.
Security, privacy and LGPD: See the Trust page
Frequently asked questions
Short answers to the most common questions.
Still have questions? Talk to an expert
What does CNSP Resolution 485 require when underwriting rural insurance?
Already in force, CNSP Resolution 485/2025 bars coverage of a property without an active CAR (Rural Environmental Registry), under embargo for illegal deforestation, or of a producer listed in the registry of employers who subjected workers to conditions analogous to slavery. The check must happen before the risk is accepted.
What changes with SUSEP Public Consultation 05/2026?
The proposal aligns supervised entities' reporting with IFRS S1/S2, provides for climate scenario analysis for S1 and S2, brings ESG criteria into pricing and underwriting and includes screening of assets, suppliers and service providers. The text under consultation provides for phased implementation, from the new rule to data collection and disclosure. The final text and dates may change; the direction will not.
Does IRC-ESGreen replace the insurer's actuarial models?
No. IRC-ESGreen is a projected climate risk input by coordinate, for underwriting, portfolio tracking and alerts. Actuarial models, pricing and the acceptance decision remain with the insurer.
How does IRC-ESGreen relate to ZARC?
ZARC (Agricultural Climate Risk Zoning) is the official zoning: static, by municipality and by crop season. IRC-ESGreen is dynamic, calculated per land parcel and recalculated with every run. Cross-checking the two readings can reveal exposures that the aggregated zoning does not show per operation.
Does the solution apply to reinsurers and cooperative insurers?
Yes. The same infrastructure serves underwriting, portfolio reading and reporting, with scope defined by the monitored base, users and integrations. CP 05/2026 proposes bringing cooperative insurers within the scope of the new sustainability rules.
Is IRC-ESGreen a claims forecast?
No. It is a climate risk index from 0 to 100 (the higher, the greater the risk), based on public and regulatory data and on proprietary models. It does not constitute a credit rating, investment recommendation or legal opinion and should be used as input for the insurer's own decisions.
Shall we talk about the risks in your portfolio?
In a 30-minute conversation, we show the infrastructure applied to your insurer's underwriting, insured portfolio and regulatory obligations.
- IRC-ESGreen demo applied to rural insurance
- Pre-assessment of CNPJs and CPFs from a sample of policyholders
- Climate exposure reading of the insured portfolio
Or write to contato@esgreen.com.br
An ESGreen specialist replies within one business day to schedule a time.