Líbero Franqueadora e Corretora de Seguros

What Líbero Franqueadora e Corretora de Seguros does

Líbero Franqueadora e Corretora de Seguros is a Brazilian insurance brokerage franchisor headquartered in Uberaba, Minas Gerais, with operating roots in São José do Rio Prêto. Founded in 2015 by Tiago Souto, an SUSEP-credentialed insurance specialist active since 2007, the company operates a network of 100 independent franchisee brokerages across more than 10 Brazilian states, each licensed to sell personal, commercial, agricultural, and specialty insurance products sourced through 50+ carrier partnerships covering 400+ product SKUs. The franchise model is the central business construct: franchisees invest R$25,000 (Home Office tier) or R$55,000 (Smart tier) as a one-time fee and focus exclusively on sales and client relationships, while Líbero's central backoffice handles policy issuance, premium collection, claims regulation, and 24-hour assistance.

Underlying the network is the Líbero Broker digital platform, which combines online quoting, lead generation, and policy management functionality, supported by an internal intranet for product updates, a one-week in-person franchisee onboarding program (FIF), and free SUSEP certification training. Líbero earns revenue through two streams: (i) one-time franchise license fees at contract signing, and (ii) recurring commissions on insurance policies sold by franchisees across the carrier portfolio, including auto, residential, life, health, dental, cyber, D&O, fleet, engineering, agricultural, nautical, and aviation lines. Disclosed average franchisee billings range from R$70,000/month (Home Office) to R$250,000/month (Smart), with payback periods of 6–8 months.

In January 2026, Líbero integrated with SMZTO Group, the largest franchise investment group in Brazil, founded by Shark Tank Brasil judge José Carlos Semenzato. SMZTO manages 15 brands and over 5,000 operating franchises, and its investment brings equity capital, governance expertise, and access to a broader franchise ecosystem — described by the company as the most significant strategic milestone in its history and a foundation for pursuing market leadership in Brazilian insurance brokerage franchising.

Name

Líbero Franqueadora e Corretora de Seguros

Legal name

Líbero Corretora de Seguros

Website

https://liberoseguros.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Líbero Franqueadora e Corretora de Seguros is a Brazilian insurance brokerage franchisor operating a 100-franchise network across 10+ states, selling 400+ insurance products from 50+ carriers. Franchisees pay one-time fees and earn commissions while Líbero provides centralized backoffice, training, and the Líbero Broker digital platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Franchise Resale & Franchise Brokerage (Transfers/Resales) (FSAEAIAG)

Keywords

• Insurance brokerage services
• Insurance franchise network
• Commercial insurance distribution
• Agricultural insurance brokerage
• Personal insurance coverage

Headquarters

HQ city

São José do Rio Prêto

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Líbero and its franchisees earn commissions on insurance policies sold across personal (auto, residential, life), commercial (corporate, D&O, cyber, fleet), agricultural (coffee, soybean, cattle, machinery), and niche lines (nautical, aviation). The network works with 50+ insurance carriers and offers 400+ insurance products, generating recurring commission revenue from policy renewals and new sales.
2. Franchise Fees: The company charges franchise fees to new franchisees. Two tiers are offered: Home Office at R$25,000 and Smart at R$55,000. These are one-time fees paid upon contract signing. Average monthly revenue per franchise is R$70,000 (Home Office) and R$250,000 (Smart), with payback periods of 6 and 8 months respectively.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Líbero Franqueadora e Corretora de Seguros is a Brazilian insurance brokerage franchisor that recruits independent SUSEP-licensed brokers as franchisees (Corretores Franqueados) and provides them a complete backoffice covering policy issuance, premium collection, claims management, and 24-hour assistance. Through its franchise network Líbero distributes more than 400 insurance products across personal, commercial, agricultural, and specialty lines via 50+ partner carriers, and supports franchisees with the Líbero Broker digital quoting platform, SUSEP certification training, and a week-long onboarding program. The franchise is offered in two tiers (Home Office at R$25,000 and Smart at R$55,000), each with disclosed revenue and payback economics.

Product overview

Líbero Franqueadora e Corretora de Seguros operates as a franchise network of insurance brokerages offering a comprehensive insurance platform with two franchise models (Home Office at R$25,000 and Smart at R$55,000), a complete backoffice system (covering policy issuance, claims, collections, and 24/7 assistance), the Líbero Broker lead generation platform, and training programs (FIF and SUSEP certification). The company provides access to over 50 partner insurance companies across personal insurance (auto, residential, nautical, aviation, life, health, dental), business insurance (agricultural, commercial property, fleet, cyber, D&O, liability, engineering), and specialty lines (rural insurance for coffee, soy, forests, livestock, machinery). The franchise model enables entrepreneurs to focus on sales while the backoffice handles all operational complexity.

Differentiator

Problem solved

Functional benefit

Brands

• Líbero Broker: Lead generation platform that connects real opportunities to prepared professionals, developed to generate business with high conversion potential, supported by data intelligence and strategic segmentation.
• FIF (Formação Inicial de Franqueados)

Products and services

• Insurance Brokerage Services Brokerage services providing access to more than 400 insurance products through 50+ partner carriers across personal (auto, residential, life, health, dental, travel, nautical, aviation), commercial (corporate property, D&O, cyber, fleet, surety, engineering), and agricultural (coffee, soybean, cattle, machinery, forestry) lines. Sold by SUSEP-licensed L靉ero franchisees to end customers across Brazil.
• Home Office Franchise Entry-level franchise model allowing entrepreneurs to operate an insurance brokerage under the L靉ero brand from home, with full backoffice support. Franchise fee is R$25,000, average monthly franchise billing is R$70,000, and the disclosed payback period is 6 months.
• Smart Franchise Premium franchise model for entrepreneurs seeking larger-scale operations under the L靉ero brand with full backoffice support. Franchise fee is R$55,000, average monthly franchise billing is R$250,000, and the disclosed payback period is 8 months.
• L靉ero Broker Platform

Quantifiable outcome

• 100 franchises nationwide by 2023 (3 years after entering franchising)
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network. Porto Seguro is among the most prominently displayed carrier logos on the Líbero website.
• Zurich SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Unimed SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network, specializing in health insurance products.
• Sompo SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Prudential do BrasilcoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network, specializing in life insurance.
• Allianz SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Tokio Marine SeguradoracoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• SulAméricacoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Liberty SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• Itaú SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• AXA SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network.
• MetLifecoreChannel Partner/ Reseller/ DistributorOne of 50+ insurance carriers with a formal partnership for product distribution through the Líbero franchisee network, specializing in life and dental insurance.
• 50+ Insurance Carrier Partners (Full List: Porto Seguro, Zurich, Unimed Seguros, Mapfree, MAG, Sompo, Prudential, AXA, Liberty, Itaú, Icatu, AIG, HDI, Ezze, Mitsui, Excelsior, Bradesco Seguros, Chubb, Azul, Gente, Swiss, Sura, MBM,aruana, Junto, Allianz, Alfa, MetLife, Suhai, Essor, Fairfax, SulAmérica, Berkley, Rodobens, Tokio Marine)coreChannel Partner/ Reseller/ DistributorLíbero partners with 50+ insurance carriers to distribute their products through the franchisee network. The complete list includes major Brazilian and international insurers covering auto, residential, life, health, commercial, agricultural, and specialty lines. This breadth of carrier relationships is a core pillar of the franchise value proposition.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• SulAmérica: Major Brazilian health, dental, and P&C carrier with a meaningful broker distribution arm. Listed as a 50+ carrier partner of Líbero while also operating its own distribution channels, creating overlap with Líbero's franchise outputs.
• Zurich Brasil: Major global carrier with Brazilian operations and a long-standing carrier partnership within Líbero's 50+ carrier portfolio. Comparable as a deep-pocketed incumbent that distributes through its own broker network while also supplying Líbero's franchisees.
• Tokio Marine Seguradora: Japanese-affiliated carrier with Brazil operations across auto, residential, and commercial lines, also a 50+ carrier partner of Líbero. Comparable on multi-line product breadth and on incumbent broker distribution overlap.
• Brasilseg: Insurance distribution arm of Banco do Brasil, distributing P&C, life, and pension products through a large captive broker/bank channel across Brazil. Comparable as an incumbent insurance distribution competitor that uses a broker-led model at significant scale.
• Porto Seguro: Largest Brazilian insurance carrier and a top distribution partner for Líbero. Operates its own captive broker network and direct digital channels that overlap with Líbero's franchise outputs. Material incumbent because of its dual role as supplier and competing distributor.

Emerging players

• Justos: Brazilian digital insurance company distributing auto insurance directly, representing a structurally different — but adjacent — competitive vector to Líbero's traditional broker-led distribution. Comparable on end-customer target (Brazilian auto/personal lines) but differentiated by digital-first versus franchise-led model.
• 180 Seguros: Brazilian digital-first insurance broker focused on simplifying purchase of auto, residential, and life products online. Competes for the same end consumers and channel partners Líbero's franchisees serve, and represents the digital-disruption vector discussed in the bear case.

Direct peers

• Royal Brokers: Brazilian insurance brokerage franchise network competing in the same multi-line, multi-carrier distributed-brokerage model. Closest pure-play comparable to Líbero's franchise unit, both recruiting independent brokers to distribute partner-carrier products under a shared brand and centralized backoffice.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/grupo.libero
• LinkedInlinkedin.com/company/82227630
• Instagraminstagram.com/redelibero

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Líbero Franqueadora e Corretora de Seguros