Seguros Rivadavia

What Seguros Rivadavia does

Seguros Rivadavia (legal name: Seguros Bernardino Rivadavia Coop. Ltda.) is an Argentine cooperative insurance company founded on July 10, 1945, in La Plata by the Cámara de Transporte de la Provincia de Buenos Aires. It is regulated by the Superintendencia de Seguros de la Nación under registration number 0222 and operates as a private, member-owned entity alongside its subsidiary Mutual Rivadavia de Seguros del Transporte Público de Pasajeros (Rivadavia Mutual), established in 1997 to administer mandatory passenger transport coverage. The company serves three primary customer segments — individuals (Personas), businesses and professionals (Empresas y Profesionales), and public passenger transport operators (Transporte de Pasajeros) — through a portfolio of approximately 17 product lines spanning auto, motorcycle, bicycle, e-scooter, home, life, accident, fire, liability, transport of goods, and commercial integral coverages, plus national and international (MERCOSUR) passenger transport policies.

The business operates on a recurring subscription-style premium model with automatic policy renewal across annual and monthly billing cycles, generating revenue through insurance premiums quoted via a risk-based pricing engine (the online cotizador) and personalized by customer profile. Distribution is multi-channel: an exclusive nationwide network of licensed Productores Asesores de Seguros (PAS) supported by a dedicated autogestión portal handles the bulk of broker-driven sales, complemented by Casa Central and regional attention centers for direct sales, and digital self-service layers including the website cotizador, the Riva WhatsApp chatbot for 24/7 service, and native iOS/Android mobile applications integrated with Google Firebase for telemetry. Underlying technology is a web-based insurance management platform with self-service portals; assistance services (vehicle towing, home emergency, nautical) are outsourced to SOS S.A. and the auto-claims clearing flow runs through the CLEAS inter-insurer network alongside Allianz, MAPFRE, Sancor, Galicia, and San Cristóbal.

Leadership is exercised through a Consejo de Administración headed by President Jorge Daniel Slutzker (since 2021) and operationally managed by Gerente General Rosana Ibarrart (appointed June 2011), who concurrently serves as President of AACMS and Director of Reaseguradores Argentinos S.A. — signaling deep integration into Argentine cooperative/mutual insurance industry governance. The company has no disclosed external ownership, no funding rounds, and no M&A activity in the input data; growth has been organic through geographic expansion (international passenger transport to seven South American countries), product line extension (micro-mobility), and digital channel investment.

Name

Seguros Rivadavia

Legal name

Seguros Bernardino Rivadavia Coop. Ltda.

Website

https://segurosrivadavia.com

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

251–500 employees

Short description

Seguros Rivadavia is an Argentine cooperative insurer founded in 1945 serving individuals, businesses, and passenger transport operators through ~17 product lines, distributed via a national PAS broker network, branches, and digital channels including a WhatsApp chatbot and mobile apps.

Ownership category

akta.pro rank

Headquarters

HQ city

La Plata

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue is generated from recurring insurance premiums collected on annual or monthly policies across all product lines (automotive, home, life, accident, transport, commercial). Policies renew automatically with premium adjustments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Seguros Rivadavia is a cooperative Argentine insurance company that sells and underwrites personal lines (auto, motorcycle, bicycle, scooter, home, personal accident, life, boat), commercial lines (integral business, corporate accident, group life, fire, goods transport, liability, surety bonds, robbery, fleet), and specialized public passenger transport insurance via its Rivadavia Mutual subsidiary. Products are distributed through an exclusive network of insurance producer advisors (PAS), branch offices, digital self-service channels including an online cotizador and a WhatsApp chatbot named Riva, and a national payment network for premium collection.

Product overview

Seguros Rivadavia is a cooperative Argentine insurance company founded in 1945, operating under a platform-plus-modules architecture with two primary entities: Seguros Rivadavia (general insurance) and Rivadavia Mutual (passenger transport specialist, established 1997). The Personal Lines portfolio includes eight core products: Autos, Motos, Bicicletas, Monopatines (sustainable vehicles), Hogar, Accidentes Personales, Vida, and Embarcaciones. The Business Lines portfolio includes Integrales, Accidentes Personales Empresariales, Vida Colectivo, Incendio, Transporte de Mercaderías, Responsabilidad Civil, and Otros Seguros. The Transport vertical covers both national and international passenger transport through Rivadavia Mutual. Customer engagement is supported by Riva, a WhatsApp-based virtual assistant for quotes, claims, and document delivery. The company distributes through an extensive network of branches, insurance producer advisors (PAS), and digital self-service portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguros de Autos

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core, minor and moderate.

• CLEAS (Clearing Asegurador)coreTechnology or IntegrationRivadavia participates in CLEAS, a clearing system that compensates claims between vehicles insured by member companies. When a policyholder collides with a vehicle from another CLEAS member company, the system determines fault and arranges repairs through the non-liable party's insurer. Current members include Allianz, La Segunda, Iúnigo, MAPFRE, Río Uruguay, Rivadavia, Galicia, Sancor, and San Cristóbal.
• SOS S.A.coreOthersSOS S.A. is the designated provider for assistance services including vehicle towing, emergency plumbing, locksmith, and other home emergency services. SOS handles the Servicio de Emergencias Rivadavia (SER) line and assistance services for vehicles, home, and nautical coverage.
• Cámara Insurtech ArgentinaminorGTM or Marketing PartnerListed as an associated organization, representing insurtech innovation and digital transformation in the Argentine insurance sector.
• Reaseguradores Argentinos S.A.coreOthersRivadavia's General Manager Rosana Ibarrart serves as Titular Director of this reinsurance company, indicating a strategic reinsurance partnership.
• AACMS (Asociación Argentina de Cooperativas y Mutualidades de Seguros)moderateStrategic or Co-development PartnerRivadavia's General Manager Rosana Ibarrart serves as President of this association representing Argentine insurance cooperatives and mutuals. Indicates industry leadership and advocacy role.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Allianz Argentina: Allianz Argentina is the local subsidiary of global insurer Allianz, providing personal and commercial P&C and life products. A broad incumbent and CLEAS co-member that competes in the same retail and SME segments as Rivadavia, with greater brand and capital resources.
• MAPFRE Argentina: MAPFRE Argentina is the Argentine subsidiary of global insurer MAPFRE, offering auto, home, life, and commercial coverage. A broad incumbent and direct CLEAS co-member; competes head-to-head with Rivadavia in auto and SME P&C but at much larger scale and with deeper reinsurance.
• Galicia Seguros: Galicia Seguros is the insurance arm of Grupo Galicia, one of Argentina's largest financial groups, distributing auto, home, and life products through the bank's branch network. A broad incumbent leveraging bancassurance scale, CLEAS co-member, and a structurally lower-cost distribution channel relative to Rivadavia's PAS advisor model.

Direct peers

• Sancor Seguros: Sancor Seguros is a large Argentine cooperative insurance group offering personal, commercial, and agricultural lines nationwide. It is the most direct peer to Seguros Rivadavia in terms of cooperative structure, multi-line P&C + life portfolio, and CLEAS clearing membership, but operates at materially greater scale.
• Galeno Seguros: Galeno Seguros is an Argentine insurer offering auto, home, and life products with a strong direct-to-consumer digital presence. Comparable multi-line product mix and target customer base, with a more developed digital channel than Rivadavia's traditional PAS-led model.
• La Segunda Seguros: La Segunda is an Argentine cooperative insurer offering personal, commercial, and worker compensation coverage nationwide. A direct CLEAS co-member with similar cooperative governance, multi-line product breadth, and national PAS-style distribution.
• La Caja Seguros: La Caja is a long-standing Argentine insurance carrier offering personal auto, home, life, and retirement products. Comparable mid-sized Argentine multi-line insurer with overlapping target customers and similar distribution mix.
• San Cristóbal Seguros: San Cristóbal Seguros is an Argentine mutual insurance carrier offering auto, home, life, and commercial products through a national producer network. Direct CLEAS co-member and similarly structured mutual with overlapping product lines and distribution model in Argentina.
• Río Uruguay Seguros: Río Uruguay Seguros is a regional Argentine cooperative insurer serving Entre Ríos and adjacent provinces with personal and commercial lines. Listed alongside Rivadavia in the CLEAS clearing consortium, making it a direct cooperative peer with overlapping product and channel model.
• Federación Patronal Seguros: Federación Patronal is an Argentine cooperative insurer offering auto, home, life, and commercial products through a national advisor network. Highly comparable to Seguros Rivadavia in cooperative structure, product breadth, and channel-led GTM.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/segurosrivadavia
• LinkedInlinkedin.com/company/rivadaviaseguros/about
• Instagraminstagram.com/segurosrivadavia.oficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 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 Seguros Rivadavia