Resolution No. 108 of 12/01/2025 by the Interministerial Rural Insurance Management Committee (CGSR) and Rural Insurance as an Oversight Tool

This regulation establishes a new ESG compliance paradigm for access to the Rural Insurance Premium Subsidy Program (PSR), transforming the subsidized policy into a “clean record” socio-environmental certificate.

Starting January 2, 2026, the effective date of the resolution, insurers will not be allowed to issue subsidized policies without first subjecting the property and the applicant to rigorous scrutiny. The rule prohibits government subsidies for properties not registered in the Rural Environmental Registry (CAR), those overlapping (fully or partially) indigenous lands, quilombola territories, conservation units, and public forests, as well as those that have undergone native vegetation suppression after July 31, 2019.

Another important point is that, in addition to creating highly specific exceptions—such as allowing land overlap if the applicant is a member of the protected community (indigenous or quilombola)—the resolution imposes on the producer the burden of proving to the insurer that they had authorization to clear such native vegetation.

Regarding the landowner or insurance applicant, they must not appear on the slave labor blacklist, tightening social compliance requirements.

Given all these requirements, the resolution seeks to mitigate operational impacts and avoid bottlenecks in contracting by establishing that insurers will be exempt from verifying these conditions if “the crops and animal species covered by the insurance refer to or are located in rural activity areas with a rural credit operation contract signed after July 1, 2025.”

Finally, the resolution also requires the inclusion of clauses obligating the insured to promptly report any changes in these socio-environmental conditions, introducing a duty of continuous monitoring, where silence in the face of a new embargo or infraction may constitute risk aggravation, leading to loss of indemnity rights.

In this scenario, although the Ministry of Agriculture projects no reduction in demand—arguing that the sector is accustomed to such requirements—the insurance market must prepare for a 2026 marked by intense technological and operational adjustments. Rural insurance has ceased to be merely financial protection and has become a consolidated instrument of environmental public policy.