Antilles Insurance

What Antilles Insurance does

Antilles Insurance Company is a property and casualty insurer headquartered in Edificio Ochoa, 500 Calle de la Tanca, San Juan, Puerto Rico, operating as the underwriting entity of the Anglo-Puerto Rican Insurance Corporation group (established 1931). The company writes five primary product lines: Seguro Hazard (property coverage for fire, hurricane, and earthquake), Seguros Personales (personal auto, home, boat, liability, umbrella, and home/roadside assistance), Seguros Comerciales (multilineal commercial package policies), Fianzas (surety bonds including contract, license/permit, fidelity, judicial, miscellaneous, and federal bonds), and a Special Personal Package bundling multiple coverages under a single policy. The company holds U.S. Treasury Listed certification, enabling it to issue federal bonds required by agencies such as U.S. Customs and Medicare.

Distribution is sales-led and hybrid: a captive network of licensed insurance producers/agents (accredited via productores.anglo-antilles.com) handles the bulk of policy sales and servicing, supplemented by direct customer engagement through the company website, phone, and in-person service at the San Juan headquarters. Customer-facing technology includes online application forms for each product line and a 24/7 claims contact function. Underlying technology infrastructure comprises a B2B electronic insurance system co-developed with IBM in 2001 for quoting and issuing property policies remotely — a meaningful modernization for its era but not upgraded with newer intelligence layers in the documented record.

The company generates revenue through recurring insurance premiums on an annual billing cadence, with pricing determined by individualized risk assessment rather than published rate cards. Customer concentration is dispersed across individual policyholders, SMBs, and commercial accounts in Puerto Rico, with no disclosed enterprise anchor customers. The company is privately held under multi-generational González family leadership, with Jaime J. González Portilla, CPCU, serving as President and CEO since March 2000, supported by a senior team including CPAs, CPCUs, an Esq/General Counsel, and a CIC-designated Chief Underwriter. Headcount is reported at 11-50 employees.

Name

Antilles Insurance

Legal name

Antilles Insurance Company

Website

https://antillesinsurance.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Short description

Antilles Insurance Company is a Puerto Rico-based property and casualty insurer offering hazard, personal, commercial, and surety bond coverage to individuals and businesses through a network of licensed producer agents and direct channels.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Mixed-Use / Commercial Condominium BOP (FSAJAFAO)

Keywords

• Property insurance
• Casualty insurance
• Surety bonds
• Personal insurance
• Commercial insurance

Headquarters

HQ city

San Juan

HQ country

Puerto Rico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Antilles Insurance generates revenue by collecting insurance premiums from policyholders. The company offers property insurance (hazard), personal insurance (auto, home, boat), commercial insurance, and bonds/fianzas. Premiums are collected based on the coverage types and risk profiles of customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Antilles Insurance underwrites and distributes property and casualty insurance products in Puerto Rico, including hazard (home structure) coverage against fire, hurricane, and earthquake; personal lines covering autos, boats, homes, liability, and umbrella policies; commercial multilineal package policies; and a broad range of surety bonds (contract, license, fidelity, judicial, federal). Policies are sold via licensed insurance producers/agents and through direct online and in-person channels, with claims, home emergency, and roadside assistance included as service features.

Product overview

Antilles Insurance offers a comprehensive portfolio of insurance products for individuals and businesses in Puerto Rico. The core product lines include Seguro Hazard (property/hazard insurance), Seguros Personales (personal insurance covering autos, homes, boats, and liability), Seguros Comerciales (commercial business insurance), and Fianzas (surety bonds). Additional service modules include Home Assistance (24/7 emergency repairs) and Road/Travel Assistance. The company also offers a Special Personal Package that combines multiple coverage types under a single policy. All products are distributed through insurance producers and the company operates from its San Juan headquarters.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Hazard (Hazard Insurance) Hazard insurance that protects the structure of a house against fire, hurricane, and earthquake damage, targeted at Puerto Rico homeowners.
• Seguros Personales (Personal Insurance) Personal insurance covering personal activities and property including house, car, boat, liability, umbrella coverage, and home and road assistance services, targeted at individual consumers in Puerto Rico.
• Seguros Comerciales (Commercial Insurance) Commercial business insurance with multilineal commercial package policies protecting business operations and assets against a wide variety of perils, targeted at Puerto Rico businesses.
• Fianzas (Surety Bonds) Surety bonds providing protection against breach of contracts or obligations, including contract bonds, license/permit bonds, fidelity bonds, judicial bonds, miscellaneous bonds, and federal bonds, for businesses and individuals with contractual obligations.
• Special Personal Package Combined insurance package allowing customers to insure house, contents, vehicles, boats, and more under a single policy, targeted at individual consumers seeking bundled coverage.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Chubb Limited: Chubb is a global P&C insurer with strong commercial, casualty, and surety capabilities. Its broad product suite competes with Antilles' commercial and bond offerings, particularly for larger accounts.
• Travelers: Travelers is a major US P&C insurer with a top-tier surety bond operation. Its Bond & Financial Products unit directly competes with Antilles' surety business for federal and contract bonds.
• CNA Financial: CNA Financial is a US commercial P&C insurer with a notable surety bond franchise. Its specialty in commercial and surety products overlaps with Antilles' Seguros Comerciales and Fianzas lines.
• Liberty Mutual Insurance: Liberty Mutual is a top US P&C carrier with one of the largest surety bond franchises globally. It competes with Antilles' Fianzas business in Puerto Rico, especially for larger commercial and federal surety contracts.
• The Hartford: The Hartford is a US P&C carrier with a strong small commercial and surety offering. It competes with Antilles in commercial multilineal packages and contract bonds, particularly through agency channels.

Direct peers

• Multinational Insurance Company: Multinational Insurance is a Puerto Rico-based P&C insurer offering personal and commercial coverages with a focus on the local market. Its product mix and regional footprint make it a direct local peer to Antilles Insurance.
• MAPFRE Puerto Rico: MAPFRE is a Spanish-headquartered global insurer with one of the largest P&C operations in Puerto Rico, offering personal, commercial, and surety products that directly overlap with Antilles' portfolio. It is a leading direct competitor in the PR market.
• Cooperativa de Seguros Múltiples de Puerto Rico (CSM): CSM is a major Puerto Rico-based cooperative insurer offering personal, commercial, and surety products. As a similarly sized local carrier with multi-line offerings, it is among the closest direct competitors to Antilles in the Puerto Rican market.
• Triple-S Blue (Triple-S Management): Triple-S Management is a major Puerto Rican insurance group offering health, life, and P&C products. Its Triple-S Blue subsidiary competes head-to-head with Antilles in personal and commercial lines across the local market.

Regional players

• Sagicor: Sagicor is a Caribbean-based insurance and financial services group with operations across multiple Caribbean territories. While primarily life and health, it also offers P&C products, positioning it as a regional Caribbean peer to Antilles.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/ferm%C3%ADn-p-guerra-cpa-5860b3bb
• Facebookfacebook.com/AntillesInsurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Antilles Insurance