Proseg Administradora e Corretora de Seguros

What Proseg Administradora e Corretora de Seguros does

Proseg Administradora e Corretora de Seguros Ltda is a Brazilian insurance broker and administrator founded in 1989 and headquartered in Brasília, with additional offices in Porto Alegre and São Paulo. The company operates as an intermediary distributing insurance and financial products from at least 9 carrier partners — including Bradesco, Porto Seguro, Mapfre, Tokio Marine, Zurich, Sompo, HDI, Azul, and Mitsui — across personal, property, affinity, and corporate lines. Proseg positions itself as one of the top 5 independent insurance brokers in Brazil, with stated expertise in serving large enterprises, associations, unions, cooperatives, government entities, and individual consumers.

The company's core technology stack consists of five proprietary platforms: MultiCálculo (a multi-insurer comparison engine enabling simultaneous quotes from up to 7 carriers with online policy contracting and installment payment options up to 10x), MultiSeguros (a policy administration and commission management system), Acesso às Seguradoras (a secure controlled-access portal to insurer sites with audit trails), Mais Garantia (an extended warranty distribution platform for retail networks), and Proteção Financeira (a credit protection and Prestamista insurance distribution platform for credit-granting entities). These systems are integrated with carrier APIs and form the operational backbone of broker-side workflow automation. Proseg holds SUSEP registration (number 202042879) and complies with LGPD (Brazilian data protection law).

Proseg's revenue model is transaction-based, earning commissions from insurance carriers for policies placed and administered. Pricing for end customers is not publicly disclosed, as premiums are set by carriers based on risk profiles. The go-to-market is sales-led, combining digital self-service quoting (website, app, WhatsApp), inside sales through a call center, and physical offices for B2B and complex corporate engagements. Marketing channels span WhatsApp, Facebook, Instagram, LinkedIn, online quote forms, and online appointment booking. The company also offers ancillary professional services — process consulting, project management, and strategic planning — via its online booking system.

Name

Proseg Administradora e Corretora de Seguros

Legal name

Proseg Administradora e Corretora de Seguros Ltda

Website

https://proseg.com.br

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

Proseg is a Brazilian insurance broker and administrator, founded in 1989 and headquartered in Brasília with offices in Porto Alegre and São Paulo. It distributes personal, property, and commercial insurance products from 9+ carrier partners using proprietary multi-insurer comparison and administration platforms, serving individuals, large enterprises, associations, unions, and cooperatives.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAK

Insurance Program Administration & MGA/MGU Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Insurance brokerage services
• Multi-insurer comparison platform
• Insurance product distribution
• Corporate insurance programs
• Extended warranty distribution

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Proseg acts as an insurance broker earning commissions from insurance companies for policies sold and administered. The company works with multiple insurance partners (Azul, Bradesco, HDI, Porto Seguro, Mapfre, Tokio Marine, Zurich, Sompo, Mitsui) and receives commissions for placing policies and providing ongoing administration services.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Proseg is a Brazilian insurance broker and administrator that distributes and administers personal, patrimonial, and affinity insurance products on behalf of multiple major insurers (Azul, Bradesco, HDI, Porto Seguro, Mapfre, Tokio Marine, Zurich, Sompo, Mitsui) through its proprietary MultiCálculo and MultiSeguros platforms. The company serves both individual consumers seeking personal coverage and large corporate clients (associations, unions, cooperatives, government entities, international organizations, foundations) requiring customized group insurance programs, extended warranty distribution, and credit protection solutions.

Product overview

Proseg is a Brazilian insurance broker and administrator offering a portfolio of proprietary technology platforms and insurance/financial products. The core technology stack includes Sistema Multicálculo (multi-insurer comparison platform supporting quotes from up to 7 insurers), Sistema MultiSeguros (administrative management system), Sistema Acesso às Seguradoras (secure insurer portal access), Sistema Mais Garantia (extended warranty distribution for retail), and Sistema de Proteção Financeira (credit protection distribution). These platforms are complemented by a comprehensive range of insurance products organized into three categories: Patrimonial (Auto, Condomínio, Crédito, Bike, Moto, Residencial, Celular/Portáteis, Prestamista, Habitacional, Transporte, Garantia Contratual, Rural, Náutico, Fiança Locatícia, Consórcio, Empresarial); Personal (Vida, Saúde, Assistência Funeral, Previdência, Odontológico, Acidentes Pessoais, Viagem, Pet, RCP); and Affinity (Associação, Empresa, Varejo, Sindicatos). Professional services include process consulting, project management, and strategic planning.

Differentiator

Problem solved

Functional benefit

Brands

• Sistema MultiCálculo Proseg: Insurance comparison system allowing quotes from up to 7 insurance companies simultaneously with online contracting capabilities.
• Sistema Mais Garantia
• Sistema Acesso às Seguradoras
• Sistema de Proteção Financeira

Products and services

• Seguro Auto Vehicle insurance covering policyholder vehicles and third parties in accidents, with 24-hour assistance services and nationwide network, distributed via Proseg's multi-insurer comparison platform.
• Seguro Condomínio Mandatory condominium insurance providing comprehensive coverage for facilities, property, and security, with emergency services for daily management.
• Seguro Crédito Credit insurance protecting businesses against client insolvency for domestic and export financed sales, ensuring receivables regardless of customer contingencies.
• Seguro Bike Bicycle insurance covering damages, accidents, loss, and theft with personal accident protection during rides, applicable nationally and internationally.
• Seguro Moto Motorcycle insurance protecting against traffic risks and urban violence, with customized solutions for daily commuting and work-use vehicles.
• Seguro Residencial Home insurance providing property protection against accidents, weather events, and minor repairs with 24-hour assistance services including locksmith and electrician.
• Seguro Celular e Portáteis Mobile device and portable electronics insurance covering accidents and theft with customizable coverage extensions.
• Seguro Prestamista Credit life and borrower insurance guaranteeing full or partial payment of debts in case of death, disability, or involuntary unemployment.
• Seguro Habitacional Housing loan insurance providing personalized coverage for mortgage debt settlement in cases of job loss and income reduction.
• Seguro Transporte Cargo transport insurance ensuring reimbursement for unforeseen incidents and guaranteeing goods arrive at destination in perfect condition.
• Seguro Garantia Contratual Contractual surety bond providing protection against losses from non-compliance with contract specifications, designed for private companies and public agencies.
• Seguro Rural Agricultural insurance protecting farms, improvements, equipment, machinery, and agricultural products against accidents and theft, with crop protection against weather events.
• Seguro Náutico Marine and watercraft insurance protecting yachts and nautical assets against accidents, weather conditions, and onboard incidents.
• Seguro Fiança Locatícia Rental guarantee insurance eliminating need for guarantors or judicial processes, establishing payment guarantee for landlords.
• Seguro Empresarial Business insurance providing coverage and protection across various industry segments regardless of company area.
• Seguro Vida Life insurance providing financial support for health issues, covering diagnosis of serious diseases and medical-hospital or dental expenses.
• Seguro Saúde Health reimbursement insurance offering unlimited provider network access, allowing policyholders to choose their preferred doctors and receive cost reimbursement.
• Seguro Assistência Funeral Funeral assistance insurance helping families with funeral-related expenses during difficult times, alleviating financial burden after loss.
• Seguro Odontológico Dental insurance allowing policyholders to visit any dentist, pay directly, and receive reimbursement from the policy.
• Seguro Acidentes Pessoais Personal accident insurance providing financial protection and indemnification to beneficiaries in case of accidents.
• Seguro Viagem Travel insurance covering medical expenses, medication costs, and baggage loss or delay compensation.
• Seguro Pet Pet insurance covering general and emergency consultations, vaccinations, imaging and laboratory exams, and pet home care.
• Seguro RC (Responsabilidade Civil) Civil liability insurance reimbursing policyholders for court-ordered damages including material, bodily, and moral damages.
• Consórcio Consortium groups for acquiring real estate, vehicles, and other assets through credit letters, facilitating purchase of high-value goods.
• Previdência Pension and retirement plans enabling investment for future goals with potential annual income tax deductions.
• Sistema Mais Garantia - Extended Warranty Distribution Platform Platform for commercialization and management of Extended Warranty Insurance designed for retail businesses, enabling product registration, complete point-of-sale management, store associate coordination, seller production tracking, and business intelligence.
• Sistema de Proteção Financeira - Credit Protection Distribution Platform Digital distribution platform for credit protection and lender insolvency insurance (Seguro Prestamista), designed for credit-granting companies including cooperatives, associations, unions, corporate entities, and retail operations to distribute mass-market financial products.
• Consultoria de Processos, Gestão de Projetos e Planejamento Estratégico Process consulting, project management, and strategic planning services supporting business optimization, operational efficiency improvements, and insurance market positioning, scheduled via online appointment booking.

Quantifiable outcome

• Comparison across up to 7 insurance companies simultaneously
• +2 more outcomes

Named customers4 records

Segments10 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Nine partnerships are on record, tiered core.

• Azul SeguroscoreChannel Partner/ Reseller/ DistributorInsurance company partner providing property and casualty insurance products distributed through Proseg's broker network and digital platform.
• Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorMajor Brazilian insurance company partner offering auto, property, life, and health insurance products through Proseg distribution.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorInsurance partner providing various property and casualty insurance products distributed via Proseg's multi-insurer platform.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorLeading Brazilian insurance company offering auto, home, and specialty insurance products through Proseg's network.
• Mapfre SeguroscoreChannel Partner/ Reseller/ DistributorInternational insurance group partner offering property, casualty, and specialty insurance through Proseg distribution.
• Tokio Marine SeguradoracoreChannel Partner/ Reseller/ DistributorJapanese-origin insurance company partner providing commercial and personal insurance products via Proseg.
• Zurich SeguroscoreChannel Partner/ Reseller/ DistributorGlobal insurance company partner offering commercial and specialty insurance products through Proseg's platform.
• Sompo SeguroscoreChannel Partner/ Reseller/ DistributorJapanese insurance group partner providing property, casualty, and specialty coverage through Proseg distribution.
• Mitsui SeguroscoreChannel Partner/ Reseller/ DistributorInsurance company partner offering various commercial and personal insurance products via Proseg's network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lockton Brasil: World's largest privately-held global insurance broker with Brazilian operations; serves corporate and enterprise clients with customized insurance programs, comparable to Proseg's commercial and corporate focus.
• Marsh Brasil: Global insurance broker with major Brazilian operations; serves large enterprise clients with complex insurance and risk management programs, directly competing with Proseg's commercial and corporate lines.
• Howden Brasil: Global insurance broker with growing Brazilian operations; offers multi-line insurance brokerage for commercial clients, directly competing with Proseg in the enterprise and corporate segment.
• Aon Brasil: Global insurance broker operating in Brazil; serves large enterprise and corporate clients with comprehensive insurance, reinsurance, and risk solutions, overlapping with Proseg's enterprise and affinity offerings.

Direct peers

• Minuto Seguros: Brazilian online insurance broker specializing in multi-carrier comparison and digital distribution; operates a similar technology-driven brokerage model targeting individual and SMB customers across auto, home, and life lines.
• Wiz Soluções: Brazil's largest publicly-traded independent insurance broker (WIZS3 on B3); multi-insurer comparison and distribution model closely mirrors Proseg's approach, serving individuals and enterprises through proprietary digital platforms across the same product lines.
• Youse: BB Seguros' digital insurance platform offering multi-line insurance comparison and self-service policy management; operates a similar digital brokerage model targeting individual Brazilian consumers with multi-carrier aggregation.
• 180 Seguros: Brazilian digital insurance broker offering online quote comparison and policy management across multiple carriers; similar digital brokerage model serving the same Brazilian consumer and SMB insurance market as Proseg.
• Qualicorp: Brazilian affinity insurance administrator (QUAL3) specializing in group insurance for associations and corporate clients; shares Proseg's B2B association/union focus and group distribution model for member-based insurance.

Emerging players

• Justos: Brazilian insurtech offering direct auto insurance with digital-first, AI-driven underwriting; competes for the same end-customer insurance market though operates as a carrier rather than broker model, putting commission pressure on Proseg's auto line.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/prosegseguros
• LinkedInlinkedin.com/in/proseg-seguros-61887b125
• Instagraminstagram.com/prosegseguros

Compliance2 records

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 Proseg Administradora e Corretora de Seguros