EZZE Seguros

What EZZE Seguros does

EZZE Seguros is a privately held Brazilian multi-line insurance carrier headquartered in São Paulo, founded in 2019 and operating across 11 regional branches under a partnership ownership model in which key executives are shareholders. The company underwrites more than 20 product lines spanning personal coverage (auto, residential, individual life, affinity groups) and business/corporate coverage (business multi-risk, fleet, surety bonds, transportation, aviation, oil and gas, engineering risks, D&O, E&O, civil liability, cyber, and group life), plus a sister consórcio (interest-free group savings) business for trucks, machinery, equipment, and real estate. Underlying technology is a digital-first platform that supports online quotation, policy issuance, and claims management, with a 24/7 WhatsApp and chat virtual assistant ('Eliz'), digital vehicle inspection via the Inspectos integration, and routing through at least eight multicálculo broker platforms including Quiver, Corretagem Fácil, Madalozzo, AGGER, SegFy, Infocap, Tex, and Micromassi.

The company reports more than R$10 billion in assets, R$185.92 million in net equity, 120,000+ active insured lives, 1,000,000+ policies issued in 2025, R$40 million in profit for 2025, and a self-claimed position as the second most profitable insurance company in Brazil. Customer acquisition is broker-led: more than 10,000 active independent insurance brokers (corretores) handle the bulk of distribution, supplemented by banking partners, retail (varejo) partners, and direct-to-consumer digital channels; commission rates range from 1% to 30%. End customers span individual consumers (Pessoas Físicas) and businesses/enterprises (Empresas), with vertical sub-segments in aviation, oil and gas, construction/bidding, and SMBs.

Pricing is recurring subscription-based on monthly premiums with flexible billing (up to 10x interest-free on credit card, up to 5x interest-free on boleto), and a first-policy R$10/month promotional offer targets first-time auto buyers. EZZE monetizes through recurring insurance premiums and consórcio contributions, supported by flagship Brazilian marketing partnerships including the official jersey sponsorship of Sport Club Corinthians Paulista across men's, women's, and U-20 teams and StockCar track and safety-car branding, and is recognized with three consecutive years of Great Place to Work certification (2023–2025) and an 'Ótimo' Reclame AQUI consumer reputation rating.

Name

EZZE Seguros

Legal name

EZZE Seguros

Website

https://ezzeseguros.com.br

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

EZZE Seguros is a Brazilian multi-line insurance carrier underwriting more than 20 personal, commercial, and specialty lines (auto, residential, life, business, aviation, oil and gas, surety, cyber) for individuals and enterprises across 11 branches, distributed primarily through 10,000+ independent brokers and digital channels.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Other Insurance Related Activities (52429), Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Energy & Power Specialty (Onshore/Offshore) (FSAJAGAI)

Keywords

• General insurance services
• Auto insurance products
• Business insurance solutions
• Specialty risk coverage
• Insurance brokerage distribution

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Premium Revenue: Collection of recurring insurance premiums across a broad portfolio of personal and commercial insurance products including auto, residential, life, business, affinity, aviation, transportation, guarantee bonds, and cyber risk insurance. Revenue is generated through policy premiums with flexible payment options (up to 10x interest-free on credit card, up to 5x interest-free on boleto).
2. Consórcio (Collective Savings Plans): Collective savings plans (consórcios) for trucks, machinery and equipment, and operational expansion, offering a jankless alternative to traditional financing for the acquisition of assets and services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

EZZE Seguros is a Brazilian insurance company that underwrites and distributes a broad portfolio of personal and commercial insurance products, including auto, residential, individual life, affinity, business, aviation, oil & gas, transportation, engineering, civil liability, cyber, surety bonds, and fleet insurance. It also operates EZZE Consórcios, an interest-free group savings (consortium) product for trucks, machinery, equipment, vehicles, real estate, and operational expansion. Distribution is anchored by a 10,000+ broker network supplemented by banking and retail partnerships and digital self-service channels.

Product overview

EZZE Seguros is a Brazilian insurance company offering a comprehensive portfolio of insurance products organized into two main categories: personal insurance (Seguro Auto, Seguro Residencial, Seguro Vida Individual, Seguro Afinidades) and business/corporate insurance (Seguro Empresarial, Seguro Empresarial PME, Seguro Aeronáutico, Seguro Auto Frota, Seguro Garantia, Seguro Transporte,Seguro Riscos de Engenharia, Seguro Riscos de Petróleo, Seguro Riscos Diversos, Seguro Riscos Nomeados e Operacionais, Seguro D&O, Seguro E&O, Seguro Responsabilidade Civil de Obras, Seguro Responsabilidade Civil Geral, Seguro Responsabilidade Civil Ônibus, Seguro Riscos Cibernéticos, Seguro Vida em Grupo). The company also operates EZZE Consórcios for interest-free group savings programs. EZZE distributes through multiple channels including banks, retail partnerships, and a network of over 10,000 active insurance brokers supported by a digital broker portal. The company reports R$10 billion in assets and serves over 120,000 insured lives with more than 1 million policies issued in 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto Auto insurance product for individual vehicle owners covering comprehensive vehicle protection, robbery/theft, third-party damages, 24-hour assistance, partner workshop network, and flexible installment payment options.
• Seguro Residencial Residential insurance for homeowners protecting against theft, fire, electrical surges, storms, collapse, and third-party damages, with optional coverage for solar energy equipment.
• Seguro Vida Individual Individual life insurance providing financial protection for families with customizable coverages including death benefits, disability, hospitalization allowances, critical illness, cancer diagnosis, and assistance services.
• Seguro Afinidades Affinity insurance products designed for specific customer groups and partnerships, including residential, daily hospital indemnity, creditor, theft, extended warranty, digital protection, and personal accident coverage.
• EZZE Consórcios Group consortium (consórcio) product enabling purchase of goods and services without paying interest, covering trucks, machinery, equipment, operational expansion, real estate, autos, and heavy vehicles.
• Seguro Aeronáutico Aviation insurance for aircraft owners and operators, airport administrators, and aviation maintenance companies, covering hull, liability, passenger, war risks, hangar liability, and airport operations.
• Seguro Auto Frota Fleet auto insurance exclusively for companies with more than 15 vehicles, covering light, heavy, and extra-heavy vehicles with dedicated 24-hour assistance and customized underwriting.
• Seguro Empresarial Business insurance for enterprises of all sizes covering losses and damages to buildings and contents with more than 25 coverage options including fire, electrical damage, revenue loss, and civil liability.
• Seguro Empresarial PME Comprehensive SME insurance solution with 35 available coverages, online quotes, digital risk inspection, multi-quote platform integration, and 24-hour assistance for small and medium enterprises.
• Seguro Garantia Surety bond insurance for companies participating in public or private bids, construction firms, and businesses needing guarantee insurance, including bid bonds, performance bonds, advance payment guarantees, and judicial guarantees.
• Seguro Transporte Transportation insurance protecting goods during transport worldwide for shippers and carriers, including RCTR-C, RCA-C, RCTA-C, RCTF-C, and RC-DC coverage variants.
• Seguro Fiança Locatícia Rental guarantee insurance replacing traditional guarantees such as co-signers and deposits, protecting property owners against rental payment default by tenants.
• Seguro Riscos de Engenharia Engineering insurance covering physical damage during construction, installation, and assembly projects for new builds, renovations, and equipment installations.
• Seguro Riscos de Petróleo Oil and gas insurance providing protection for exploration, drilling, production, and processing operations across both offshore and onshore facilities.
• Seguro Riscos Diversos Miscellaneous risks insurance protecting valuable assets against external accidents, qualified theft, electrical damage, and operations in water-proximate areas.
• Seguro Riscos Nomeados e Operacionais Named and operational risks insurance covering specific named events and comprehensive protection for business operations including equipment failures, power fluctuations, and operational incidents.
• Seguro D&O Directors and Officers liability insurance protecting executives against lawsuits and claims arising from their decisions, covering legal defense, investigation costs, and corporate liability.
• Seguro E&O Errors and Omissions (Professional Liability) insurance protecting professionals against claims arising from errors, omissions, or negligence, covering legal defense costs and financial damages.
• Seguro Responsabilidade Civil de Obras Construction civil liability insurance covering third-party property damage and bodily injury during construction execution, with coverage options for works and services.
• Seguro Responsabilidade Civil Geral General civil liability insurance protecting personal assets of business managers against third-party claims for personal injury or property damage.
• Seguro Responsabilidade Civil Ônibus Bus civil liability insurance covering school transport, charter, tourism, and municipal/intercity/interstate lines, with real-time regulatory data and online claim processing.
• Seguro Riscos Cibernéticos Cyber risks insurance protecting businesses against cyber attacks, data theft, and privacy violations, with coverage for data recovery, legal expenses, and business interruption.
• Seguro Vida em Grupo Group life insurance for companies with 5 or more employees providing financial protection with more than 40 coverages including death benefits, critical illness, accident medical expenses, and funeral assistance.
• Seguro por R$10 (Ezze Seguro 10) Entry-level auto insurance promotional product for new customers, offering first policy at R$10/month with basic coverage, 24-hour assistance, and partner workshop access.

Quantifiable outcome

• Up to 20% discount on deductible (limited to R$1,500) when using referenced workshops
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• Sport Club Corinthians PaulistaflagshipGTM or Marketing Partner · 1 January 2026EZZE is the official jersey sponsor of Sport Club Corinthians Paulista, one of Brazil's largest football clubs founded in 1910. The sponsorship covers the men's, women's, and U-20 male teams. This is a flagship sports marketing partnership providing extensive national brand visibility.
• StockCarcoreGTM or Marketing Partner · 1 January 2026EZZE branding appears on signs and markings at all StockCar racetracks and on the safety car suits of competition marshals. The partnership connects EZZE with motorsport enthusiasts and reinforces automotive insurance branding.
• InspectoscoreTechnology or Integration · 1 January 2026Online vehicle inspection technology partner enabling remote digital inspections via smartphone. Customers schedule and perform inspections following a tutorial, with images analyzed and a report generated for EZZE's risk assessment.
• Resolve AssistcoreTechnology or Integration · 1 January 202624-hour road assistance (guincho/reboque) provider for automobile insurance. Provides towing services with 500km or 2,000km coverage options. Also serves as the company's assistance hotline contact.
• CarglasscoreTechnology or Integration · 1 January 2026Exclusive glass assistance provider for windshield repair and replacement. All glass-related claims must be handled through Carglass. Contact: 0800 704 4441.
• LocalizacoreTechnology or Integration · 1 January 2026Car rental provider (carro reserva) for automobile insurance clients, ensuring customers have a replacement vehicle available during repairs.
• IV5 (Assessoria de Imprensa)minorOthers · 1 January 2026Press and communications agency handling EZZE's media relations and public communications. Contact: [email protected].
• EZZE ConsórcioscoreChannel Partner/ Reseller/ Distributor · 1 January 2026A sister company offering collective savings plans (consórcios) for trucks, machinery and equipment, vehicles (cars and heavy vehicles), and operational expansion. Operated through a separate website (ezzeconsorcios.com.br) with WhatsApp contact.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Porto Seguro: Brazilian multi-line insurer offering auto, residential, life, and business insurance through a large broker and partner network with a strong digital self-service stack. Most direct comparable given overlapping product portfolio and broker-led distribution model.
• HDI Seguros: Brazilian P&C insurer offering auto, fleet, residential, and business insurance, with growing specialty lines. Comparable product breadth and broker-distribution focus make it a close peer to EZZE.
• Azul Seguros: Brazilian insurance carrier (formerly Chubb Seguros) writing auto, residential, and specialty commercial lines including D&O and professional liability. Comparable in its mix of personal lines plus specialty commercial coverage.
• Liberty Seguros: Brazilian P&C insurer with auto, fleet, residential, and business products distributed through brokers and bancassurance. Overlaps directly with EZZE's personal and SME insurance focus.

Broad incumbents

• Tokio Marine Seguradora: Large Brazilian insurer offering auto, residential, life, and corporate lines with bancassurance distribution. Broad incumbent whose multi-line carrier model overlaps with EZZE but at significantly larger scale.
• SulAmérica: Established Brazilian insurer/health plan operator offering life, health, auto, and business insurance. Comparable on the life and affinity product overlap with EZZE.
• Bradesco Seguros: Captive insurance arm of Bradesco bank distributing life, health, auto, and P&C products through bank channels. Comparable on the life and consumer P&C lines where EZZE also competes.
• Mapfre Seguros: Global insurer with significant Brazilian operations writing auto, residential, and commercial lines. Comparable on the multi-line distribution model and growing specialty portfolio.
• Zurich Brasil: Global insurance group with Brazilian operations spanning auto, residential, SME, and large corporate risks. Comparable on the commercial and specialty insurance overlap with EZZE's business portfolio.
• Allianz Seguros: Global insurer with Brazilian personal and commercial P&C offerings. Comparable on the portfolio breadth and broker-driven distribution model that EZZE also employs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ezzeseguros

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 EZZE Seguros