Junto Seguros SA

What Junto Seguros SA does

Junto Seguros SA is a Brazilian specialty insurance carrier headquartered in Curitiba, Paraná, founded in 1992 and privately held under the Junto Holding Brasil S.A. parent structure. The company operates as a SUSEP-regulated insurer (CNPJ 84.948.157/0001-33) and underwrites two core product lines: Seguro Garantia (guarantee insurance, in Judicial and Traditional variants, covering more than 30 contractual and financial obligation modalities) and Fiança Locatícia (rental guarantee insurance) under the Locatícia Junto brand, with specialized Built to Suit (BTS) and Sale and Leaseback (SLB) modalities for commercial leases.

The company's distribution stack combines a network of more than 7,000 insurance brokers (corretoras) with two digital self-service platforms — the Portal do Corretor for brokerage policy issuance and commission tracking, and the Acesso Empresa portal for corporate policyholders — and a documented REST API supporting claim notification, policy lookup, and legal certifications with specialized integration support. Underlying technical infrastructure is conventional fintech plumbing (REST APIs, web portals) rather than disclosed AI capabilities. Strategic shareholders include Paraná Banco and The Travelers Indemnity Company (Travelers), providing capital backing and brand association.

The business model is recurring subscription-revenue in nature, driven by insurance premiums underwritten across guarantee and rental guarantee policies, with pricing determined by risk-based underwriting rather than publicly disclosed rates. Customer concentration is horizontally spread across 108,000+ Brazilian companies, accessed primarily through brokerage channels in a single-country (Brazil) operating geography. The company reports having issued 2.2 million+ policies historically.

Name

Junto Seguros SA

Legal name

Junto Seguros S.A.

Website

https://juntoseguros.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Junto Seguros SA is a SUSEP-regulated Brazilian specialty insurer underwriting guarantee insurance (Seguro Garantia) and commercial rental guarantee insurance (Fiança Locatícia), distributed via 7,000+ brokers, corporate portals, and a REST API to 108,000+ companies.

Ownership category

akta.pro rank

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Seguro Garantia premiums: Insurance premiums collected for guarantee insurance policies that secure contractual and financial obligations. Offers more than 30 modalities including Judicial and Traditional guarantee types.
2. Fiança Locatícia premiums: Rental guarantee insurance premiums for commercial leases, replacing traditional guarantors or security deposits. Specializes in BTS (Built to Suit) and SLB (Sale and Leaseback) modalities.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

Junto Seguros SA underwrites guarantee insurance (Seguro Garantia) for Brazilian businesses, covering more than 30 modalities across judicial and traditional contract guarantees. It also provides rental guarantee insurance (Fiança Locatícia) specialized in BTS (Built to Suit) and SLB (Sale and Leaseback) commercial lease structures. Policies are distributed primarily through an authorized broker network supported by dedicated broker and enterprise digital portals, plus a REST API for partner automation.

Product overview

Junto Seguros SA is a Brazilian insurance company specializing in guarantee insurance (Seguro Garantia) and rental insurance (Fiança Locatícia) for businesses. The product portfolio includes two core insurance products: Seguro Garantia (offered in Judicial and Traditional variants covering over 30 modalities for contractual and financial obligations) and Locatícia Junto (rental insurance available in BTS and SLB modalities for commercial leases). The company operates through digital platforms (Portal do Corretor for brokers and Acesso Empresa for enterprises) and provides a REST API for broker system integration. The company is regulated by SUSEP (Processos Susep Seguro Garantia nº 15414.636371/2022-53, nº 15414.636374/2022-97 and Fiança Locatícia nº 15414.602090/2020-35) and is a pioneer in the Brazilian guarantee insurance market with over 2.2 million policies issued.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Garantia Judicial Guarantee insurance for judicial proceedings that enables efficient presentation of guarantees without blocking financial resources, targeted at companies involved in legal disputes that must post court-ordered guarantees.
• Seguro Garantia Tradicional Traditional guarantee insurance that secures contractual and financial obligations, offering better financial efficiency for companies closing contracts without using bank credit limits. Covers more than 30 modalities.
• Locatícia Junto - BTS (Built to Suit) Rental guarantee insurance for Built to Suit (BTS) commercial lease contracts, typically over 20 years, where landlords finance customized properties for tenants. Replaces personal guarantors and security deposits without consuming bank credit lines.
• Locatícia Junto - SLB (Sale and Leaseback) Rental guarantee insurance for Sale and Leaseback (SLB) arrangements where a company sells its owned property and then leases it back, using the policy as a substitute for guarantors or cash deposits on the lease.
• Portal do Corretor Self-service digital portal for authorized insurance brokers to manage clients, issue Junto Seguros guarantee policies, and access progressive commission structures.
• Acesso Empresa (Enterprise Digital Access) Enterprise digital portal that allows corporate clients to manage their Junto Seguros insurance policies, file claims (aviso de sinistro), look up policies, and access legal certificates.

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Tokio Marine Seguradora: One of Brazil's largest multiline insurers with broad commercial and specialty lines including surety bonds. Comparable as a sizable incumbent leveraging a wide broker network and corporate relationships that overlap Junto's target market.
• Zurich Seguros Brasil: Brazilian subsidiary of a global P&C/specialty insurer underwriting commercial and surety lines. Comparable as an established global insurer competing for the same corporate guarantee and contract-surety clients in Brazil.
• Porto Seguro: Brazilian insurance conglomerate with a large broker-anchored commercial and surety book. Comparable as a domestic incumbent increasingly present in the guarantee insurance segment where Junto operates.
• Mapfre Seguros Brasil: Brazilian arm of a major global multiline insurer with significant commercial/surety operations. Comparable as a broad incumbent present across the same broker-distributed commercial lines that anchor Junto's distribution.

Emerging players

• Fairfax Brasil Seguros Corporativos: Brazilian corporate specialty insurer backed by Fairfax, focused on commercial and surety lines. Comparable as a specialty competitor assembling similar broker-driven corporate portfolios.

Direct peers

• Pottencial Seguradora: Brazilian specialty insurer that underwrites surety/guarantee products in Brazil. Directly competes with Junto in the Seguro Garantia market, offering similar judicial and traditional guarantee modalities through a broker channel.
• Berkley International do Brasil: Brazilian specialty insurer focused on surety and commercial risks, part of W.R. Berkley Corporation. Comparable as a focused surety underwriter targeting similar broker-driven commercial clients in Brazil.

Others

• Junto Resseguros S.A. Junto Seguros' group-affiliated reinsurer under the same Junto Holding Brasil S.A. parent. An intra-group counterparty/related party that signals Junto's ownership of internal reinsurance economics and group-level capital management.
• Travelers Companies: Travelers (The Travelers Indemnity Company) is a named shareholder of Junto Seguros and a Fortune 500 P&C insurer. Comparable as a major surety/commercial insurance underwriter globally and as a strategic capital/knowledge partner; not a direct Brazil-market competitor today but the most relevant shareholder/strategic peer for Junto.

Regional players

• J&F Daycoval / J&F Seguros: Brazilian financial/insurance group with surety and credit-risk capabilities serving corporate clients. Comparable as a domestic specialist operating in adjacent guarantee/credit insurance segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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 Junto Seguros SA