Alper
Alper is a Brazilian insurance brokerage and publicly-listed B3 company that distributes multi-line insurance (benefits, agro, cargo, auto, cyber, specialty) through Caixa bank counters, direct enterprise sales, and proprietary digital platforms, serving 20,000 corporate clients across Brazil.
- Company typePrivate
- Founded2010
- HeadquartersSão Paulo, Brazil
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Alper does
Alper Consultoria e Corretora de Seguros S.A. is a Brazilian insurance brokerage firm headquartered in São Paulo, founded in 2010 and listed on B3 (ticker APER3). The company operates one of the country's largest insurance broker platforms, distributing policies from multiple insurers across personal, commercial, and specialty lines, with reported scale of approximately R$6 billion in premiums administered, 1.3 million lives protected, 150,000 insured vehicles, and 20,000 corporate clients served through 28 offices nationwide.
Alper's revenue model is brokerage commissions earned by intermediating insurance policies on behalf of carriers. The product portfolio is broad and structured as a multi-brand ecosystem: corporate benefits (PME Saúde, corporate health, dental, life), Alper Agro (crop and machinery), Alper Cargo (transport/logistics), Seguro Auto, Riscos Corporativos, Linhas Financeiras (D&O, E&O, credit), Cyber Risks, Specialty (aviation, marine, art, events), Resseguros, Consórcios, and mass-market personal lines. Distribution runs through three parallel motions: (1) the Caixa Econômica Federal bank-counter channel, providing branch-based reach across Brazil; (2) direct enterprise field sales targeting B2B accounts in agribusiness, benefits, and risk management; and (3) digital self-service via proprietary platforms — VC+Seguro for online personal lines, Dr. Alper for telemedicine across 23+ specialties, AlperAgro Tech for agricultural distribution, and Alper One as the unified customer portal.
Alper pursues growth through an aggressive M&A roll-up strategy, having completed at least eight acquisitions in its benefits unit (most recently Humani in February 2025), plus Agis Consultoria e Corretora (R$28.4 million, July 2023) to consolidate its position in agribusiness cargo insurance. The AlperTech technology division and the Alper Network partner channel support platform-level expansion. Geographically the company is Brazil-only; its primary segments are Large Enterprises, SMEs (a strategic focus area via the benefits vertical), Agribusiness, and Individual Consumers.
Alper firmographics
Firmographics- Name
- Alper
- Legal name
- Alper Consultoria e Corretora de Seguros S.A.
- Website
- https://alperseguros.com.br
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Alper is a Brazilian insurance brokerage and publicly-listed B3 company that distributes multi-line insurance (benefits, agro, cargo, auto, cyber, specialty) through Caixa bank counters, direct enterprise sales, and proprietary digital platforms, serving 20,000 corporate clients across Brazil.
- Ownership category
- akta.pro rank
Alper industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Alper is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Alper business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Alper operates as an insurance broker (corretora de seguros), earning commissions from insurance companies for intermediating insurance policies. The company works with multiple insurers to offer diverse coverage options to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Corporate/B2B insurance solutions |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels4 records
Alper product offering
Product offeringCore offering
Alper is a Brazilian insurance brokerage that intermediates insurance policies between clients and multiple insurers, earning commissions across corporate and personal lines. The offering spans agricultural, cargo, auto, corporate health benefits, cyber, financial lines, corporate risks, specialty, personal, and reinsurance coverages, complemented by digital platforms (VC+Seguro, Dr. Alper, AlperAgro Tech) and a partner network (Alper Network). Distribution leverages Caixa bank branches, direct enterprise sales, and self-service digital channels across 28 offices in Brazil.
Product overview
Alper Seguros operates as a comprehensive insurance brokerage platform with a multi-product, multi-channel architecture. The company offers a broad portfolio of insurance solutions including Alper Agro (agricultural), Alper Cargo (transport), Seguro Auto (vehicle), Cyber Risks, corporate benefits (health), personal insurance, specialty lines, and financial lines. The platform is complemented by digital platforms including Dr.Alper (telehealth), VC+Seguro (digital personal insurance), AlperAgro Tech (agro technology), and Alper Network (partner network). The AlperTech division drives technology innovation across all products, while Alper One serves as the unified customer access portal. The company operates through Caixa bank branches and serves both B2B and B2C segments across Brazil.
Differentiator
Problem solved
Functional benefit
Brands
- Alper Agro: Agricultural insurance solutions for farms and agribusiness operations
- Alper Cargo
- Dr. Alper
- Alper Network
- AlperTech
- AlperAgro Tech
- VC+Seguro
- PME Saúde
Products and services
- Alper Agro
Quantifiable outcome
- 1.3 million lives protected through corporate health and benefit plans
- +3 more outcomes
Companies that use Alper
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Alper technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Alper partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- HumanicoreAcquisition of Humani, a broker specializing in benefits for SMEs, marking Alper's eighth acquisition in the benefits unit. Consolidates Alper's presence in SME benefits market and expands cross-selling opportunities and product offerings.
- Agis Consultoria e Corretora de SeguroscoreAcquisition of 100% of Agis for R$28.4 million (contingent on performance targets). Strengthens Alper's position in transport insurance for agribusiness sector, leveraging Agis's expertise and client base. This was Alper's third acquisition in this area, consolidating position as third largest player in Brazil's cargo insurance market.
- Caixa Econômica FederalcoreAlper operates as an insurance broker through Caixa's banking counters (balcão), leveraging the bank's extensive branch network across Brazil for distribution of insurance products. This is a foundational distribution partnership providing broad market access.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Alper competitors and assessment
Company assessmentDirect peers
- Wiz Soluções (Wiz Co): Brazilian insurance broker affiliated with Banco Cooperativo Sicredi, distributing insurance products via partner bank networks. Highly comparable to Alper's bank-counter distribution model with Caixa.
- Porto Seguro: One of Brazil's largest insurance groups, offering personal, auto, and corporate lines through proprietary and broker channels. Directly comparable in serving Brazil's corporate and consumer insurance market with multi-channel distribution.
Broad incumbents
- Marsh Brasil: Global insurance broker with significant Brazilian operations serving large corporate and specialty risk clients. Comparable in corporate risk advisory and benefits brokerage for large enterprises.
- SulAmérica Seguros: Large Brazilian insurer and benefits provider with auto, health, life, and corporate lines. Comparable to Alper's corporate benefits and risk management offerings at much larger scale.
- Aon Brasil: Global insurance and reinsurance broker with a strong Brazilian presence, focused on corporate risk, benefits, and specialty lines. Comparable B2B corporate insurance brokerage model.
- BB Seguros (Banco do Brasil Seguros): Insurance arm of Banco do Brasil, distributing life, auto, and residential products through Brazil's largest bank branch network. Comparable bank-distribution insurance model at significantly greater scale.
Emerging players
- HDI Seguros: Brazilian insurer focused on auto, business, and specialty risks with strong broker relationships. Comparable in product lines and broker-distribution model.
- Too Seguros: Brazilian digital-first insurance company offering personal and SME lines through a fully online experience. Comparable to Alper's VC+Seguro and digital personal insurance initiatives.
- Tokio Marine Seguradora: Japanese-owned Brazilian insurer with growing product portfolio in auto, residential, and corporate lines. Comparable in serving similar customer segments through broker channels.
Regional players
- Braza Bank (formerly Trademaster) / BTG Pactual Seguros: Brazilian financial group with growing insurance brokerage and distribution capabilities targeting corporate and high-net-worth clients. Comparable corporate-focused insurance distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Alper social profiles
Digital presenceAlper compliance and trust
Trust signalCompliance1 record
Alper financial estimates
Financial estimateRevenue estimate
Valuation estimate
Alper leadership team
Management profileNumber of profiles
Alper subsidiaries and ownership
Company hierarchySubsidiaries5 records
Alper funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Alper M&A and investment
M&A and investmentM&A4 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Alper
What does Alper do?
Alper is a Brazilian insurance brokerage that intermediates insurance policies between clients and multiple insurers, earning commissions across corporate and personal lines. The offering spans agricultural, cargo, auto, corporate health benefits, cyber, financial lines, corporate risks, specialty, personal, and reinsurance coverages, complemented by digital platforms (VC+Seguro, Dr. Alper, AlperAgro Tech) and a partner network (Alper Network). Distribution leverages Caixa bank branches, direct enterprise sales, and self-service digital channels across 28 offices in Brazil.
Is Alper a public or private company?
Alper is a private company. It is classified as public and is currently operating.
When was Alper founded?
Alper was founded in 2010. It employs 1,001 to 5,000 people.
Where is Alper based?
Alper is headquartered in São Paulo, Brazil, in the Latin America region.
How does Alper make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Alper's main competitors?
Direct peers on record are Wiz Soluções (Wiz Co) and Porto Seguro. Broad incumbents are Marsh Brasil, SulAmérica Seguros, Aon Brasil and BB Seguros (Banco do Brasil Seguros). Emerging players are HDI Seguros, Too Seguros and Tokio Marine Seguradora. Braza Bank (formerly Trademaster) / BTG Pactual Seguros is listed as a regional player.
Does Alper have an API?
No public API is recorded for Alper.
What industry is Alper in?
Alper's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524210 and its SIC code is 6411.