Áthina Administração e Corretora de Seguros

What Áthina Administração e Corretora de Seguros does

Áthina Administração e Corretora de Seguros is a privately held insurance brokerage (corretora de seguros) headquartered in Blumenau, Santa Catarina, Brazil, with a stated team of 51-100 professionals possessing 30+ years of combined experience in the Brazilian insurance market. The firm operates as an independent broker accredited with more than 40 insurance carriers (including Porto Seguro, SulAmérica, Bradesco Saúde, and Levmed) and serves over 25,000 insured clients nationally through a network of seven branch offices (Blumenau HQ, Florianópolis, Jaraguá do Sul, Joinville, Brusque, Guabiruba, and São Paulo). The company serves both individual consumers (B2C) and corporate clients (B2B), with a broad product portfolio spanning personal lines (auto, residential, life, health, dental, travel, bike, nautical) and commercial lines (fleet, surety/garantia, D&O, cyber risk, E&O, credit insurance, engineering risk, transport, aviation, business succession, and corporate funeral assistance), plus consortium and private pension products.

The business model is commission-based: Áthina places policies across its carrier panel and earns transaction fees on premiums, with pricing set on a quote-by-quote basis depending on risk profile (e.g., driver liability auto coverage from under R$2/day, dental plans from R$13.97/month, residential from 4x of R$19.19). Distribution is hybrid: a traditional direct sales team in branch offices, a self-serve online quote-and-purchase platform for individual lines, and a corporate partnership channel where employees of anchor employers (notably WEG, FIESC/CIESC, ACATE, Döhler, Grupo Lunelli, Marisol, and other Santa Catarina institutions) access group-rated programs with dedicated contacts, extended dependent coverage, and priority claims handling.

The underlying technology is a conventional insurance broker platform — online quoting, CRM-supported sales workflows, and content marketing via a corporate blog — without disclosed proprietary AI/ML, APIs, SDKs, or mobile applications. A sub-brand, Academia do Conhecimento Áthina, operates as an internal corporate university for continuous staff development. The firm holds a Data Protection Officer (LGPD compliance) and has positioned itself around Brazil's new Lei do Seguro (Lei nº 15.040/2024, effective December 11, 2025).

Name

Áthina Administração e Corretora de Seguros

Legal name

ATHINA ADMINISTRADORA E CORRETORA DE SEGUROS LTDA.

Website

https://athinaseguros.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Áthina is a privately held Brazilian insurance brokerage headquartered in Blumenau, Santa Catarina, accredited with 40+ carriers and serving 25,000+ individual and corporate clients nationwide through seven branch offices and corporate partnership programs with major employers such as WEG and FIESC.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Insurance brokerage
• Corporate insurance
• Individual insurance
• Risk management
• Insurance advisory

Headquarters

HQ city

Blumenau

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Áthina earns commissions from insurance companies for policies sold and serviced. As a broker, they represent multiple insurance providers and receive commissions based on premiums placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Áthina is an insurance brokerage firm that intermediates insurance and financial products from over 40 accredited insurance providers in Brazil to both individual consumers and corporate clients. The company sells personal lines (auto, residential, life, health, dental, travel, bicycle) and corporate lines (fleet, D&O, cyber, surety bonds, engineering, transport, credit) and earns commissions on premiums placed.

Product overview

Áthina Administração e Corretora de Seguros is a comprehensive insurance brokerage platform offering a broad portfolio of insurance and financial products. The company provides individual insurance products (Seguro Auto, Seguro Residencial, Seguro de Vida Individual, Seguro Viagem, Plano de Saúde, Plano Odontológico, Seguro Bike, Seguro Náutico, Proteção Digital) and corporate insurance solutions (Seguro Garantia, Seguro de Crédito, D&O, Seguro Responsabilidade Civil Profissional, Seguro de Riscos Cibernéticos, Seguro Patrimonial, Seguro Riscos de Engenharia, Seguro de Transportes, Seguro de Frota, Seguro de Produção Cinematográfica). Additional services include Fiança Locatícia, Previdência Privada, Consórcio, Gerenciamento de Riscos, Assistência 24 horas, and Assistance Funeral Corporativa. The company operates primarily in Santa Catarina, Brazil with offices in Blumenau (headquarters), Brusque, Florianópolis, Guabiruba, Jaraguá do Sul, Joinville, and São Paulo.

Differentiator

Problem solved

Functional benefit

Brands

• Academia do Conhecimento Áthina: Corporate university focused on employee development and continuous learning through training programs.

Products and services

• Seguro Auto Vehicle insurance covering collision, 24-hour assistance, rental car, glass coverage, passenger accident coverage, fire, theft, material damages, and bodily injury damages. Targets individual vehicle owners.
• Seguro Residencial Home insurance covering fire, lightning, explosion, riot, theft, electrical damage, windstorm, hail, smoke, cyclone, and 24-hour assistance services including electrician, plumber, and appliance repair.
• Seguro de Vida Individual Individual life insurance guaranteeing payment of insured capital in case of permanent disability due to accident or to beneficiaries in case of the insured's death.
• Seguro Viagem Travel insurance providing coverage for medical expenses, baggage loss, trip cancellation/interruption, and 24-hour assistance in Portuguese.
• Plano de Saúde Corporate health insurance plans offering access to a network of doctors, hospitals, and laboratories with coverage for consultations, exams, and hospitalizations.
• Plano Odontológico Dental insurance plans covering consultations, emergency care, radiology, prevention, dentistry, endodontics, surgery, periodontics, pediatric dentistry, and prosthetics.
• Seguro de Crédito Credit insurance protecting businesses against default on credit sales, ensuring receivable security and financial stability.
• Seguro Garantia Surety bond insurance for judicial requirements, including labor appeal guarantee and judicial guarantee for tax, civil, and labor actions, replacing cash deposits.
• Seguro Responsabilidade Civil Profissional Professional liability insurance (E&O) indemnifying third-party losses due to errors and omissions in professional service delivery, including defense costs and moral damages.
• Seguro de Riscos Cibernéticos Cyber risk insurance covering liability for data breaches, including personal data, corporate data, third-party company liability, and security failure costs.
• D&O – Responsabilidade Civil dos Diretores e Administradores Directors and Officers liability insurance protecting executives' personal assets from personal liability claims for damages caused to third parties in the exercise of their functions.
• Fiança Locatícia

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and minor.

• WEGcoreGTM or Marketing PartnerWEG employees receive access to comprehensive insurance programs with exclusive conditions including 11x installments without interest, first payment in 30 days, priority claims handling, personalized service, online quotes, and competitive pricing. Coverage extends to parents, children, and spouses of WEG employees.
• FIESC / CIESCcoreGTM or Marketing PartnerFIESC and CIESC employees access comprehensive insurance programs with the best market conditions, including automobile, residential, life, dental, travel, and liability coverage.
• ACATEcoreGTM or Marketing PartnerACATE (technology association) members and employees access a complete benefits program with exclusive advantages including health, dental, D&O liability, rental guarantee, driver liability, bicycle, cyber risk, and worksite insurance.
• DÖHLERcoreGTM or Marketing PartnerDÖHLER employees receive comprehensive complementary benefits program with exclusive advantages across multiple insurance products including auto, residential, life, dental, travel, and assistance services.
• GRUPO LUNELLIminorGTM or Marketing PartnerGrupo Lunelli employees access exclusive insurance programs offered through the partnership.
• MARISOLminorGTM or Marketing PartnerMarisol employees access exclusive insurance programs offered through the partnership.
• OXFORDminorGTM or Marketing PartnerOxford employees access exclusive insurance programs offered through the partnership.
• PAMPLONAminorGTM or Marketing PartnerPamplona employees access exclusive insurance programs offered through the partnership.
• SIMMMEBminorGTM or Marketing PartnerSIMMMEB members access a modern and complete complementary benefits program with exclusive advantages including equipment, life, professional liability, cyber risk, rental guarantee, and travel insurance.
• SINTEXminorGTM or Marketing PartnerSINTEX employees and members access exclusive insurance programs through the partnership.
• SÍNDICOS PLANNINGminorGTM or Marketing PartnerSíndicos Planning members access exclusive insurance programs through the partnership.
• TUPERminorGTM or Marketing PartnerTuper employees access exclusive insurance programs offered through the partnership.
• VIVAminorGTM or Marketing PartnerVIVA clients, commercial partners, and employees access a modern and complete insurance program with differentials and exclusive benefits including health, dental, automobile, residential, cyber risk, professional liability, and travel insurance.
• Porto BankminorStrategic or Co-development PartnerPartnership for consortium products offering special conditions during Black Week campaigns for real estate and automobile consortiums.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorPorto Seguro is one of the insurance providers represented by Áthina, offering equipment insurance and other products through the broker.
• SulAméricacoreChannel Partner/ Reseller/ DistributorSulAmérica is a key insurance partner providing residential and health insurance products through Áthina.
• Bradesco SaúdecoreChannel Partner/ Reseller/ DistributorBradesco Saúde is offered through Áthina for corporate health plans with national coverage.
• LevmedcoreChannel Partner/ Reseller/ DistributorExclusive health operator partner focused on facilitating access to healthcare with quality standards and cost-effectiveness.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wiz Soluções (Wiz Benefícios e Seguros): One of the largest Brazilian insurance and benefits brokerages, distributing personal and commercial lines across multiple carriers with strong affinity / corporate partnership programs (similar to WEG/ACATE-style contracts). Operates nationally with a comparable multi-channel model and product breadth to Áthina.

Broad incumbents

• Marsh Corretora de Seguros (Brasil): Brazilian arm of the global insurance broker Marsh, focused primarily on commercial and corporate lines (large fleet, D&O, cyber, surety, engineering). It overlaps with Áthina's corporate portfolio but at much larger scale, serving enterprise rather than SME/mid-market corporate clients.
• Aon Brasil: Brazilian operations of global broker Aon, providing commercial risk, reinsurance, health/benefits and affinity brokerage across large employers. Comparable to Áthina in the benefits-brokerage segment but with broader global capabilities and larger enterprise focus.
• Willis Towers Watson (WTW Brasil): Global broker WTW operates in Brazil offering corporate risk, benefits administration and specialty lines (cyber, D&O, surety). Comparable to Áthina on corporate product breadth but concentrated on larger clients and complex programs.
• Lockton Brasil: Privately held global broker with Brazilian operations focused on commercial risk and employee benefits placement. Comparable on product portfolio and broker-of-record role, with much larger enterprise-only footprint.
• Itaú Seguros: Insurance arm of Itaú Unibanco distributing life, auto, residence, credit protection and business lines through banking and broker channels. Competes head-on with Áthina's retail product set while leveraging massive captive bank-customer distribution.
• Porto Seguro: Brazilian insurance carrier and large distribution platform offering auto, residence, life, health, fleet and business lines. Listed as a core carrier partner of Áthina but also competes as a direct distributor of comparable products.
• SulAmérica Seguros e Saúde: Major Brazilian carrier specializing in health/dental plans, life and P&C. Acts as a partner-supplier to Áthina but its direct distribution competes with brokerage, especially in the corporate health and dental segments Áthina actively places.
• Bradesco Seguros: Insurance arm of Bradesco and a core carrier partner for Áthina's corporate health plans. Competes through bank-distributed personal and corporate lines against the same client base Áthina targets.

Emerging players

• Justos Seguros: Brazilian digital-first auto insurer/broker leveraging telematics and direct online sales. Represents the insurtech competitive threat to traditional brokers like Áthina on the high-volume, simple-line (auto) business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/athinaseguros
• LinkedInlinkedin.com/company/athinaseguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Áthina Administração e Corretora de Seguros