PROTEC

What PROTEC does

PROTEC, formally PROTEC AGENTE DE SEGUROS Y DE FIANZAS S.A.P.I. DE C.V., is an independent insurance and surety bond broker operating in Mexico, founded circa 1984 in Ciudad Juárez and now headquartered in Mexico City's Bosques de las Lomas district. The company intermediates between clients and insurance/bond carriers, offering comparative quotes and advisory services across three core lines: Business Insurance (Seguros Empresariales) covering property, casualty, construction, cargo, cyber, agricultural, credit, automobile, aviation, and employee benefits; Personal Insurance (Seguros Personales) covering major medical, life, dental, personal accident, travel, funeral expenses, savings/pension, educational plans, and homeowners; and Bonds (Fianzas) covering administrative, fiscal, judicial, credit, fidelity, international, and lease guarantee obligations. PROTEC does not issue policies, collect premiums, or manage claims; it earns commissions from the 50+ carriers whose products it places, including AIG, Allianz, AXA, Chubb, GNP, Mapfre, Zurich, Tokio Marine, and Metlife.

The underlying technology is a price-comparison portal (protec.com.mx) that aggregates carrier quotes via online questionnaires and self-service quote tools, supplemented by a customer portal (clientesprotec.com) for post-sale medical-expense tracking and a network of physical offices across Mexico (CDMX Norte/Sur, Ciudad Juárez, Monterrey, Tijuana, Matamoros, Torreón/Gómez Palacio) plus Los Angeles, California. The company is regulated by the C.N.S.F. (Comisión Nacional de Seguros y de Fianzas), maintains errors-and-omissions civil liability insurance, and operates an information-security policy aligned with confidentiality, integrity, and availability standards. No API, SDK, AI/ML capabilities, or mobile application are disclosed.

The business model is commission-based: PROTEC earns transaction fees from carriers for policies placed, plus professional-services revenue from risk-management advisory. The go-to-market is sales-led and inside-sales-driven, combining professional advisor consultations with online self-service quote tools and bilingual (Spanish/English) support. Revenue, headcount, funding, and ownership structure are not disclosed in available source material; the company is privately held with no evidence of external investment.

Name

PROTEC

Legal name

PROTEC, AGENTE DE SEGUROS Y DE FIANZAS, S.A.P.I. DE C.V.

Website

https://protec.com.mx

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

PROTEC is a privately held Mexican insurance and surety bond broker that intermediates between clients and 50+ carriers, offering comparative quotes and advisory across business, personal, and bond lines via eight offices in Mexico plus Los Angeles.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)

Keywords

• Insurance brokerage services
• Commercial insurance programs
• Personal insurance advisory
• Surety bond brokerage
• Risk management advisory

Headquarters

HQ city

Ciudad Juárez

HQ country

Mexico

HQ region

Latin America

Offices9 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 and Bond Intermediation Services: PROTEC acts as an independent broker (agente de seguros y fianzas) that intermediates between clients seeking insurance/bond coverage and insurance/bond carriers. The company provides price comparison services and advisory to help clients select the best products. PROTEC does not participate in the final contracting or policy management — it connects clients with carriers who handle the actual policy issuance and premium collection. Revenue is generated through commissions from insurance and bond carriers for policies placed through the broker.
2. Risk Management Advisory: PROTEC provides advisory services for identifying, preventing, and managing risks for businesses and individuals. This includes analyzing client risk profiles, evaluating insurance needs, and recommending appropriate coverage solutions from their carrier network.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

PROTEC is an independent insurance and surety bond broker that intermediates between clients and more than 50 Mexican and international insurance/bond carriers. The company provides comparative price quotes, advisory, and risk management support across three core product lines: Business Insurance (property, casualty, construction, cargo, cyber, agricultural, credit, auto, aviation, and employee benefits), Personal Insurance (medical, life, dental, accident, travel, savings, and homeowners), and Bonds (administrative, fiscal, judicial, credit, fidelity, international, and lease guarantee). PROTEC does not issue or underwrite policies; it earns commissions from carriers for placed coverage and advisory fees for risk consulting.

Product overview

PROTEC is an independent insurance and surety broker operating as a price-comparison and advisory platform. The core offering consists of three main product lines: Business Insurance (Seguros Empresariales) covering property and casualty, liability, construction, cargo, cyber risk, agricultural, credit, automobile, and aviation insurance plus employee benefits (major medical, group life, personal accident, dental, and funeral); Personal Insurance (Seguros Personales) covering major medical, life, student, dental, personal accidents, travel, funeral expenses, savings/pension, educational plans, and homeowners; and Bonds (Fianzas) including administrative, fiscal, judicial, credit, fidelity, international, and lease guarantee bonds. PROTEC acts exclusively as an intermediary, providing comparative quotes and advisory services but not participating in policy issuance or claims management. The company partners with over 50 major Mexican insurance and bond carriers including GNP, AXA, Chubb, Zurich, Allianz, Mapfre, and others to access the broadest range of coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance (Seguros Empresariales)
• Personal Insurance (Seguros Personales)
• Bonds (Fianzas)

Quantifiable outcome

• More than 40 years of experience protecting assets and health of thousands of people and organizations worldwide

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

24 partnerships are on record, tiered core.

• AfirmecoreChannel Partner/ Reseller/ DistributorInsurance and bond carrier partner. One of the major insurance and bond carriers in Mexico that PROTEC works with to provide coverage options to clients.
• AIGcoreChannel Partner/ Reseller/ DistributorInternational insurance carrier partner. Major global insurer that PROTEC partners with to offer insurance solutions in Mexico.
• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. One of the major global insurance companies operating in Mexico that PROTEC works with.
• ANAcoreChannel Partner/ Reseller/ DistributorMexican insurance carrier partner operating under the ANA brand for insurance products.
• ARGOScoreChannel Partner/ Reseller/ DistributorMexican insurance company (Seguros ARGOS) that provides insurance coverage through PROTEC's broker network.
• AsertacoreChannel Partner/ Reseller/ DistributorInsurance and bonding company partner offering products through PROTEC's distribution network.
• Atlas (Seguros Atlas)coreChannel Partner/ Reseller/ DistributorMexican insurance carrier partner providing coverage options through PROTEC's broker services.
• AtradiuscoreChannel Partner/ Reseller/ DistributorCredit insurance specialist partner offering trade credit insurance solutions through PROTEC.
• AXAcoreChannel Partner/ Reseller/ DistributorGlobal insurance company operating in Mexico as a key carrier partner for PROTEC.
• Banorte (Seguros Banorte)coreChannel Partner/ Reseller/ DistributorMexican financial group's insurance subsidiary providing coverage through PROTEC's network.
• BerkleycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering commercial and specialty insurance products.
• BupacoreChannel Partner/ Reseller/ DistributorHealth insurance specialist partner providing major medical and health coverage options.
• ChubbcoreChannel Partner/ Reseller/ DistributorGlobal insurance leader providing commercial and personal insurance solutions through PROTEC.
• CofacecoreChannel Partner/ Reseller/ DistributorCredit insurance and bonding partner specializing in trade credit protection.
• FM GlobalcoreChannel Partner/ Reseller/ DistributorCommercial property insurance specialist partner focusing on industrial and commercial coverage.
• GNP (Grupo Nacional Provincial)coreChannel Partner/ Reseller/ DistributorOne of Mexico's largest insurance companies providing comprehensive coverage through PROTEC.
• HDI / HDI GlobalcoreChannel Partner/ Reseller/ DistributorSpecialty insurer partner offering commercial and industrial insurance products.
• Liberty FianzascoreChannel Partner/ Reseller/ DistributorBonding and surety specialist partner providing various bond products through PROTEC.
• MapfrecoreChannel Partner/ Reseller/ DistributorGlobal insurance company operating extensively in Mexico as a key carrier partner.
• MetlifecoreChannel Partner/ Reseller/ DistributorLife insurance and employee benefits specialist partner offering life, dental, and group benefits.
• QualitascoreChannel Partner/ Reseller/ DistributorMexican auto insurance specialist providing vehicle coverage through PROTEC.
• Swiss REcoreChannel Partner/ Reseller/ DistributorGlobal reinsurance company providing reinsurance support and specialty insurance solutions.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorJapanese insurance group operating in Mexico providing commercial and specialty coverage.
• ZurichcoreChannel Partner/ Reseller/ DistributorGlobal insurance company offering personal and commercial coverage in Mexico through PROTEC.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Marsh Mexico: Mexico operation of Marsh & McLennan, one of the world's largest insurance brokers. Directly comparable as a multi-line commercial insurance and risk advisory intermediary serving Mexican enterprises, including cross-border clients.
• Aon Mexico: Aon's Mexican brokerage operation offering commercial P&C, employee benefits, and risk management services. Directly comparable in business model (intermediary/advisor) and product breadth to PROTEC.
• WTW (Willis Towers Watson) Mexico: Global broker with Mexican operations providing commercial insurance brokerage, risk management, and human capital solutions. Directly comparable as a full-service broker serving enterprise and mid-market clients.
• Lockton Mexico: Privately held global broker with Mexico presence focused on commercial P&C and surety. Closely comparable to PROTEC in independent-broker culture, commercial emphasis, and surety capabilities.

Broad incumbents

• Arthur J. Gallagher & Co. Large global insurance broker with growing LatAm presence. Comparable as a multi-line commercial brokerage with diversified risk management offerings, though substantially larger and broader in scope than PROTEC.
• Hub International: North American insurance brokerage with international reach. Comparable as a mid-market and commercial P&C broker, though not specialized in the Mexican surety market the way PROTEC is.
• Brown & Brown, Inc. Large diversified insurance brokerage with US and international operations. Comparable in insurance intermediation but operates at far greater scale and broader product mix than PROTEC.

Emerging players

• Howden: Growing international broker expanding rapidly across LatAm. Comparable brokerage model and risk advisory focus, with overlap in commercial and specialty insurance intermediation in the Mexican market.

Others

• MMC Mexico (Oliver Wyman / Mercer Mexico): Marsh McLennan subsidiaries operating in Mexico providing benefits consulting and risk advisory. Adjacent rather than directly competing on the same brokerage products, but shares the same parent competitive footprint.
• Aon Hewitt Mexico (now Aon): Employee benefits and human capital arm of Aon operating in Mexico. Adjacent to PROTEC's employee benefits brokerage line, but does not compete head-to-head across the full enterprise insurance book.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/protecbrokers
• Facebookfacebook.com/PROTEC-SEGUROS-Y-FIANZAS-SA-382320314831
• LinkedInlinkedin.com/company/protec-agente-de-seguros-y-de-fianzas-sapi-de-cv

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 PROTEC