Portaria da ANTT pode impactar a contratação dos seguros transportes no Brasil
O transporte de cargas no Brasil enfrenta diariamente desafios que comprometem não apenas a operação logística, mas também o patrimônio das empresas. Entre eles, estão a precariedade de parte da malha rodoviária e o elevado índice de roubos. Em 2024, segundo dados do Sistema Nacional de Informações de Segurança Pública (SINESP), o país registrou, em média, 27 ocorrências de roubo de cargas por dia.
O roubo de cargas no Brasil continua sendo uma grande fonte de receita para as quadrilhas especializadas. De acordo com o relatório de “Análise de Roubo de Cargas”, da nstech, os ataques cresceram 24,8% no primeiro semestre de 2025. Dados da Associação Nacional do Transporte de Cargas e Logística indicam que, em 2024, foram contabilizados 10.478 roubos de cargas no país, com prejuízos estimados em R$ 1,2 bilhão.
O impacto é sentido por toda a cadeia logística: aumento de custos operacionais, investimentos adicionais em segurança e tecnologia, atrasos nas entregas e necessidade de rotas mais longas para evitar áreas de risco. Essas medidas elevam os custos repassados ao consumidor final e reduzem a competitividade dos produtos brasileiros no mercado.
Desde 2023, com a promulgação da Lei 14.599/23, a contratação dos seguros de Responsabilidade Civil do Transportador Rodoviário de Carga (RCTR-C), o Responsabilidade Civil do Transportador Rodoviário por Desaparecimento de Carga (RC-DC) e o Responsabilidade Civil de Veículo (RC-V) é obrigatória, o que impacta a procura pelos produtos de seguros.
Entre janeiro e maio de 2025, conforme a Confederação Nacional das Seguradoras (CNseg), a arrecadação do RC-DC cresceu 8,1%, alcançando R$ 570 milhões, enquanto as indenizações subiram 12,4%, totalizando R$ 239 milhões. Já o RCTR-C avançou 1,5%, somando R$ 721 milhões em prêmios, com pagamentos de quase R$ 520 milhões, alta de 5,2%.
Portaria ANTT
O cenário deve ganhar novo impulso com a Portaria SUROC nº 27/2025, publicada pela Agência Nacional de Transportes Terrestres (ANTT) em 11 de agosto. A norma prevê a suspensão do Registro Nacional de Transportadores Rodoviários de Cargas (RNTRC) para empresas que não comprovarem a contratação dos seguros exigidos.
Para o diretor de Relações Institucionais CNseg, Esteves Colnago, a Portaria trará maior eficiência e controle para o exercício do transporte de cargas nas estradas brasileiras.
“É de suma importância essa nova normativa da ANTT. Ela traz uma evolução no método de fiscalização, saindo de uma abordagem baseada em documentos físicos para um modelo digital e integrado, o que promete maior eficiência e controle sobre a obrigatoriedade da cobertura de seguros no transporte de cargas, aumentando a segurança para todos os envolvidos na cadeia logística”, destacou.
A comprovação poderá ser feita de duas formas: pela apresentação do frontispício da apólice ou do certificado de seguro à fiscalização da ANTT; ou pela verificação automática, por meio de intercâmbio de dados em tempo real entre a agência e as seguradoras (ou entidade que as represente).
O sistema digital deverá estar plenamente implementado até 10 de março de 2026, prazo definido pelo §3º do Artigo 3º da portaria. Até lá, a ANTT disponibilizará às seguradoras um manual técnico para integração via webservice, garantindo o envio automático das informações relativas à contratação dos seguros RCTR-C, RC-DC e RC-V.
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