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solicitamos respetuosamente cuanto sigue: Ajustar el Margen de Solvencia con el siguiente texto:\nMargen de solvencia: no podr\u00e1 ser inferior a 3,5 en los \u00faltimos 3 a\u00f1os (2022 \u2013 2023 \u2013 2024). Esta modificaci\u00f3n resulta de especial relevancia para la entidad convocante, considerando que un margen de solvencia de al menos 3,5 puntos, sostenidos durante los \u00faltimos tres periodos constituye un indicador objetivo del s\u00f3lido respaldo patrimonial y de la capacidad de solvencia de una aseguradora. Dicho nivel refleja la capacidad para absorber eventuales perdidas y cumplir sus obligaciones de pagos derivados de siniestros, tanto a corto, mediano y largo plazo.\nAdem\u00e1s, un margen de solvencia adecuado permite a las aseguradoras asumir nuevas responsabilidades sin comprometer su estabilidad financiera, lo cual adquiere especial relevancia en este proceso licitatorio. En consecuencia, resulta esencial que las empresas participantes acrediten una solvencia integral, respaldada por una estructura financiera solida que garantice el cumplimiento de sus compromisos.\nEn virtud de los fundamentos expuestos y considerando los criterios utilizados en vuestro \u00faltimo llamado de Seguro de Veh\u00edculos donde se estableci\u00f3 como exigencia un coeficiente del margen de solvencia de 3.0 para un capital similar al presente llamado y cuya estad\u00edstica siniestral del mercado al 30.06.2025 es de 50%, inferior al tipo de riesgo a asegurar. Es necesario ajustar el margen de solvencia de esta licitaci\u00f3n a un coeficiente no menor a 3.5 en los \u00faltimos tres a\u00f1os (2022-2023-2024). Lo sugerido no solo es razonable, sino necesario para resguardar el inter\u00e9s p\u00fablico, aplicando criterios prudenciales y t\u00e9cnicos propios de la actividad aseguradora que aseguren una contrataci\u00f3n adecuada y con respaldo econ\u00f3mico suficiente por parte de la aseguradora que resulte adjudicada.", "answer": "Remitirse al PBC.", "dateAnswered": "2025-10-14T16:12:57-04:00"}, {"id": "1a6f1ee618f6e8f98c764f1a9bd02ac4-1", "date": "2025-10-13T08:15:52-04:00", "title": "CAPACIDAD FINANCIERA", "description": "En cuanto al requisito del fondo de garant\u00eda de 15.000.000.000 Gs., se menciona que debe corresponder a los tres \u00faltimos ejercicios cerrados al 30 de junio de 2020, 2021 y 2024. Entendemos que deber\u00eda ser correspondiente a los ejercicios cerrados al 30 de junio de 2022, 2023 y 2024. Agradecer\u00edamos la aclaraci\u00f3n de este punto, entendiendo a que se refieren a los tres \u00faltimos ejercicios cerrados al 30 de junio de 2022, 2023 y 2024.", "answer": "Conforme a la observaci\u00f3n realizada, se procede a la modificaci\u00f3n correspondiente, los ejercicios correctos, son los cerrados al 30 de junio de 2022, 2023 y 2024. Remitirse a la Adenda, una vez se encuentre publicada.", "dateAnswered": "2025-10-14T16:15:51-04:00"}, {"id": "a63bcbe91709609f310f92199245a281-1", "date": "2025-10-09T11:31:53-04:00", "title": "SINIESTRALIDAD", "description": "Solicitamos de ser posible nos puedan compartir la siniestralidad de los ultimos 5 a\u00f1os .", "answer": "Remitirse al PBC.", "dateAnswered": "2025-10-14T16:12:53-04:00"}], "lots": [{"id": "1f094d3e-0104-67e0-9549-7943a1549167", "title": "1 - 1 - SEGUROS PARA EDIFICIOS, EQUIPOS Y OTROS RIESGOS", "status": "active", "statusDetails": "activo", "value": {"amount": 13000000000, "currency": "PYG"}, "simultaneousSupply": false, "attributes": [{"name": "Orden", "value": "1", "id": "1"}]}], "items": [{"id": "1f094d84-9f36-6742-8256-c7456d178fbd", "description": "FIDELIDAD DE EMPLEADOS", "classification": {"scheme": "catalogoNivel5DNCP", "id": "84131501-001", "description": "Seguro contra robo / asalto", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n5/84131501-001"}, "additionalClassifications": [{"scheme": "UNSPSC", "id": "84131501", "description": "Seguros de edificios o del contenido de edificios", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n4/84131501"}], "quantity": 1, "unit": {"name": "Unidad", "id": "UNI", "value": {"amount": 1500000000, "currency": "PYG"}}, "relatedLot": "1f094d3e-0104-67e0-9549-7943a1549167", "attributes": [{"name": "Presentacion", "value": "EVENTO", "id": "1"}, {"name": "Orden", "value": "3", "id": "2"}]}, {"id": "1f094d84-9f30-65cc-b29d-c7456d178fbd", "description": "EQUIPOS DE OPERACI\u00d3N EN GENERAL.", "classification": {"scheme": "catalogoNivel5DNCP", "id": "84131501-001", "description": "Seguro contra robo / asalto", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n5/84131501-001"}, "additionalClassifications": [{"scheme": "UNSPSC", "id": "84131501", "description": "Seguros de edificios o del contenido de edificios", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n4/84131501"}], "quantity": 1, "unit": {"name": "Unidad", "id": "UNI", "value": {"amount": 5000000000, "currency": "PYG"}}, "relatedLot": "1f094d3e-0104-67e0-9549-7943a1549167", "attributes": [{"name": "Presentacion", "value": "EVENTO", "id": "1"}, {"name": "Orden", "value": "2", "id": "2"}]}, {"id": "1f094d84-9f3c-6c32-bbd1-c7456d178fbd", "description": "VALORES EN CAJA FUERTE, EN TR\u00c1NSITO Y VENTANILLA", "classification": {"scheme": "catalogoNivel5DNCP", "id": "84131501-005", "description": "Seguro de valores en transito y en caja fuerte", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n5/84131501-005"}, "additionalClassifications": [{"scheme": "UNSPSC", "id": "84131501", "description": "Seguros de edificios o del contenido de edificios", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n4/84131501"}], "quantity": 1, "unit": {"name": "Unidad", "id": "UNI", "value": {"amount": 1500000000, "currency": "PYG"}}, "relatedLot": "1f094d3e-0104-67e0-9549-7943a1549167", "attributes": [{"name": "Presentacion", "value": "EVENTO", "id": "1"}, {"name": "Orden", "value": "4", "id": "2"}]}, {"id": "1f094d84-9f29-6538-a94f-c7456d178fbd", "description": "EDIFICIOS EN GENERAL", "classification": {"scheme": "catalogoNivel5DNCP", "id": "84131501-002", "description": "Seguro contra incendio ", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n5/84131501-002"}, "additionalClassifications": [{"scheme": "UNSPSC", "id": "84131501", "description": "Seguros de edificios o del contenido de edificios", "uri": "https://www.contrataciones.gov.py/datos/api/v3/doc/itemClassification/n4/84131501"}], "quantity": 1, "unit": {"name": "Unidad", "id": "UNI", "value": {"amount": 5000000000, "currency": "PYG"}}, "relatedLot": "1f094d3e-0104-67e0-9549-7943a1549167", "attributes": [{"name": "Presentacion", "value": "EVENTO", "id": "1"}, {"name": "Orden", "value": "1", "id": "2"}]}], "tenderers": [{"name": "PATRIA S.A DE SEGUROS Y REASEGUROS", "id": "PY-RUC-80003140-7"}, {"name": "ASEGURADORA TAJY PROPIEDAD COOPERATIVA S.A. 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