What MAPFRE ARGENTINA does

MAPFRE Argentina is a multi-line insurance carrier operating in Argentina as a wholly-owned subsidiary of MAPFRE Group, the Spanish global insurance conglomerate. The company is headquartered in Munro, Buenos Aires, was founded in 1986, and employs between 5,001 and 10,000 people. It operates through two regulated entities: MAPFRE ARGENTINA SEGUROS S.A. for general insurance and MAPFRE ARGENTINA SEGUROS DE VIDA S.A. for life insurance, both registered in Argentina.

The company sells a comprehensive portfolio spanning personal lines (auto, motorcycle, home, life, personal accident, health, burial, boat, and pet insurance) and commercial lines (employer obligations, SME commerce, surety and customs bonds, sector-specific coverage for wineries, hotels, educational institutions, dealerships, and garages, plus agricultural, transport, and fleet insurance). Distribution is hybrid: direct digital channels (online quote engines, PWA mobile app for vehicle assistance, MAIPI WhatsApp virtual assistant), telephone sales, physical commercial offices, ServiMAPFRE service centers in multiple provinces, and an independent producer network using the MAPFREnet portal.

MAPFRE Argentina generates revenue through recurring insurance premiums across its policy portfolio, with annual subscription billing cycles and additional one-time policies such as travel and event coverage. Pricing is quote-based and varies by vehicle, coverage tier, and risk profile. Operational commitments include a maximum 30-day claims settlement standard, coverage extension to Mercosur countries plus Chile and Bolivia, and 24/7 assistance services for accident and roadside support. As a subsidiary of MAPFRE Group, the company benefits from parent-level reinsurance capacity, actuarial expertise, and brand recognition across Latin America and Spain.

Name

MAPFRE ARGENTINA

Legal name

Mapfre Argentina Holding S.A.

Website

https://mapfre.com.ar

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

MAPFRE Argentina is a multi-line insurance carrier and subsidiary of Spain's MAPFRE Group, offering auto, home, life, health, and commercial insurance to individuals and businesses across Argentina through digital, telephone, office, and producer channels.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Fleet & Commercial Auto Liability (FSAJABAA), Commercial Property Insurance (FSAJACAE)

Keywords

• Personal insurance
• Commercial insurance
• Auto insurance
• Life insurance
• Business insurance

Headquarters

HQ city

Munro

HQ country

Argentina

HQ region

Latin America

Offices5 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 Premiums: MAPFRE Argentina generates revenue through collection of insurance premiums from policyholders across all its product lines including auto, home, life, accident, health, pet, and business insurance. Premiums are collected on a recurring basis according to the billing cycle selected (monthly, quarterly, or annual).
2. Insurance Premiums (One-time policies): Revenue from one-time or short-term insurance policies such as travel insurance, event-specific coverage, or single-trip policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

MAPFRE Argentina is a multi-line insurance company operating as a subsidiary of the Spanish MAPFRE Group, offering a comprehensive portfolio of personal and commercial insurance products in Argentina. The personal lines include auto, motorcycle, home, life, personal accident, health, burial, boat, and pet insurance. The commercial lines cover employer obligations, commerce/SME coverage, surety and customs bonds, sector-specific comprehensive insurance (wineries, hotels, dealerships, garages, consortiums, educational institutions), agricultural insurance, transport insurance, fleet insurance, fire, technical, and civil liability coverage.

Product overview

MAPFRE Argentina is a multi-line insurance company offering a comprehensive portfolio organized across two main segments: Personal Lines (Personas) and Commercial Lines (Empresas). The personal lines include auto insurance with seven named products ranging from third-party basic (Póliza Básica) to all-risk tiers (Póliza Todo Auto, Póliza Premium Car), motorcycle insurance (Moto Uno through Moto Premium), home insurance (Póliza Activa Hogar, Póliza Más Hogar), life insurance (Vida Plus Renovable, Ingreso Asegurado), personal accident insurance with six variants (AP Asistencial, AP Laboral, AP Deportivo, AP Platino, Segur AP, AP 24h), health insurance (Cuidado Intensivo, Integral Salud), burial insurance (Eterno Individual), boat/vessel insurance (A bordo Standard, A bordo Premium with Cinta Azul and Cinta Marinera tiers), and pet insurance. Commercial lines encompass employer obligation insurance (Vida Obligatorio, Ley de Contrato de Trabajo Modular, Convenio Mercantil, Vida Colectivo), commerce/SME insurance (Póliza Integral de Comercio, Póliza Mercantil, Póliza Comercio Absoluto), surety and customs bonds (Garantías Contractuales, Garantías Aduaneras, Otras Garantías), comprehensive insurance for specific sectors (Bodegas, Hoteles, Consorcios, Entidades Educativas, Concesionarios, Garages), agricultural insurance (Póliza Gracias, Póliza Rural, Trabajadores Rurales, Transporte Seguro Granos/Ganado, Póliza Agromáquina), and transport insurance (Marítima, Aérea, Terrestre, Transporte Seguro de Vinos). Additional services include MAPFREnet (producer/agent portal), the ServiMAPFRE service center network, the Mapfre teCuidamos rewards program, MAIPI WhatsApp virtual assistant, the client portal (Clientes), and the CLEAS inter-insurer compensation system.

Differentiator

Problem solved

Functional benefit

Brands

• MAWDY: Assistance services partner for home and vehicle assistance solutions
• MAIPI
• teCuidamos

Products and services

• Personal Auto Insurance Auto insurance for individual vehicle owners, offered across multiple coverage tiers (Póliza Uno, Póliza Básica, Póliza Básica In, Póliza Xpress Car, Póliza Activa, Póliza 10, Póliza Premium Car, Póliza Todo Auto) ranging from basic third-party liability to comprehensive all-risk coverage with roadside assistance, hail damage, glass breakage, and MAPFRE vs MAPFRE accident benefits for vehicles up to 20 years old.
• Personal Motorcycle Insurance Motorcycle insurance for individual owners, offered across four tiers (Moto Uno, Moto Básica, Moto Básica Más, Moto Premium) providing varying levels of coverage for motorcycle riders.
• Personal Home Insurance Home insurance covering dwellings and contents, offered as Póliza Activa Hogar (with enhanced assistance services including the MAWDY-powered home assistance platform) and Póliza Más Hogar for broader protection of homes and household contents.
• Personal Life Insurance Life insurance products for individuals including Vida Plus Renovable (renewable life insurance providing ongoing financial protection for beneficiaries upon the insured's death) and Ingreso Asegurado (income-protected life insurance ensuring beneficiaries receive financial support).
• Personal Accident Insurance Personal accident insurance for individuals offered in six variants (AP Asistencial, AP Laboral, AP Deportivo, AP Platino, Segur AP, AP 24h) covering bodily injury and related expenses with options for assistance, workplace, sports, platinum-tier, and round-the-clock coverage.
• Personal Health Insurance Health insurance for individuals including Cuidado Intensivo (intensive care coverage for critical health situations) and Integral Salud (comprehensive medical coverage for individuals and families).
• Personal Burial Insurance (Sepelio) Individual burial/sepelio insurance (Eterno Individual) providing end-of-life coverage and funeral expense assistance for individuals.
• Personal Boat Insurance Pleasure boat insurance for individuals covering civil liability, total loss, theft, and 24/7 mechanical assistance in the Paraná Delta region; offered as A bordo Standard, A bordo Premium, with Cinta Azul and Cinta Marinera badge tiers.
• Personal Pet Insurance Pet insurance for individual owners covering veterinary expenses and related costs for household pets.
• Commercial Employer Obligation Insurance Employer obligation insurance for businesses covering Vida Obligatorio (mandatory employer life insurance under Argentine labor law), Ley de Contrato de Trabajo Modular (modular employer coverage), Convenio Mercantil (Commercial Agreement framework coverage), and Vida Colectivo Micro y Minigrupos (group life for micro and small businesses).
• Commercial Commerce and SME Insurance Comprehensive commerce and SME insurance for small-to-medium businesses covering shops against fire, theft, and liability; offered as Póliza Integral de Comercio, Póliza Mercantil, and Póliza Comercio Absoluto with increasing levels of coverage.
• Commercial Surety and Customs Bonds Surety and customs bonds for businesses including Garantías Contractuales (contractual performance bonds), Garantías Aduaneras (customs bonds for import/export compliance), and Otras Garantías (miscellaneous guarantee obligations).
• Commercial Sector-Specific Comprehensive Insurance Comprehensive insurance tailored to specific industry sectors for businesses, including wineries (Seguro Integral para Bodegas), hotels (Seguro Integral para Hoteles), building consortiums (Seguro Integral para Consorcios), educational institutions (Seguro Integral para Entidades Educativas), vehicle dealerships (Seguro Integral para Concesionarios), and commercial garages/car washes/repair shops (Seguro Integral para Garages).
• Commercial Agricultural Insurance Agricultural insurance for farming operations and agribusinesses, including Póliza Gracias, Póliza Rural, Trabajadores Rurales (rural worker coverage), Transporte Seguro Granos (grain transit), Transporte Seguro Ganado (livestock transit), and Póliza Agromáquina (agricultural machinery).
• Commercial Transport Insurance Transport insurance for businesses covering goods and cargo shipped via sea (Transportes por Vía Marítima), air (Transportes por Vía Aérea), and land/rail (Transportes por Vía Terrestre), as well as specialized wine transit coverage (Transporte Seguro de Vinos).
• Commercial Fleet Insurance Fleet insurance covering multiple vehicles under a single policy for businesses managing vehicle fleets (Seguros para Flotas).
• Commercial Fire, Technical, and Liability Insurance Other commercial insurance products including Seguro de Incendio (fire insurance covering buildings and contents), Seguro Técnico (technical insurance for electronic equipment, machinery, and technical assets), Responsabilidad Civil (civil liability insurance), and Responsabilidad Civil Construcciones (construction civil liability insurance).
• MAIPI Virtual Assistant (WhatsApp) WhatsApp-based virtual assistant service that helps customers resolve queries and manage their insurance transactions quickly via chat.
• ServiMAPFRE Service Centers Technology-equipped automotive service center network (ServiMAPFRE) providing vehicle inspections, replacement orders for glass and locks, and policy printing, with locations in Mar del Plata, Córdoba, Mendoza, and Tucumán.
• Mapfre teCuidamos Rewards Program Customer benefits and rewards program offering exclusive advantages and discounts for MAPFRE Argentina policyholders.

Quantifiable outcome

• 30-day maximum claims settlement

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• MAWDYcoreTechnology or IntegrationMAWDY is a technology partner providing the PWA mobile application for vehicle assistance services. Through this partnership, MAPFRE offers enhanced assistance services for Póliza Activa Hogar and Póliza Más Hogar products, including a new range of home assistance solutions delivered via the MAWDY platform.
• CLEASminorOthersCLEAS (Sistema de Compensación de Siniestros) is a compensation system that allows MAPFRE customers involved in accidents with vehicles insured by any member company to file claims directly with MAPFRE, which then resolves the claim and seeks compensation from the other insurer, simplifying the claims process for customers.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Sancor Seguros: Argentina's largest cooperative insurer, offering auto, home, life, and commercial lines through a multi-channel model similar to MAPFRE Argentina. Direct competitor for personal and SME insurance with comparable geographic reach.
• BBVA Seguros Argentina: Captive insurer of BBVA Argentina offering life, home, auto, and accident products through bank distribution. Strong competitor in bancassurance-led personal insurance, overlapping MAPFRE's retail base.
• Río Uruguay Seguros: Argentine cooperative insurer with regional strongholds in the Litoral region offering auto, home, and commercial coverage. Comparable multi-channel model and product mix to MAPFRE Argentina.
• Allianz Argentina: Subsidiary of Allianz Group providing auto, home, life, and commercial coverage in Argentina. Direct international peer with overlapping product portfolio and corporate client base.
• San Cristóbal Seguros: Argentine multi-line insurer focused on auto, home, and life with broad producer network. Direct competitor in personal lines with similar digital and broker distribution strategy.
• Galicia Seguros: Captive insurer of Grupo Galicia offering auto, home, life, and accident products through bank branches and digital channels in Argentina. Competes with MAPFRE in retail personal insurance.
• Zurich Argentina: Subsidiary of Zurich Insurance Group offering P&C, life, and commercial lines in Argentina. Comparable in being a foreign-controlled multi-line carrier with strong brand and corporate capabilities.
• Federación Patronal Seguros: Argentine mutual insurer with strong personal and commercial lines presence, including auto and home. Comparable product breadth and channel mix to MAPFRE Argentina.
• La Caja (Caja de Ahorro y Seguro): Major Argentine P&C insurer offering auto, home, life, and commercial coverage via direct and broker channels. Competes head-to-head with MAPFRE in personal auto and SME segments.

Broad incumbents

• MAPFRE Brasil: Brazilian subsidiary of MAPFRE Group operating in Latin America's largest insurance market. Sister entity of MAPFRE Argentina, sharing group-level digital platforms, reinsurance, and underwriting capabilities; useful benchmark for Argentine unit's growth trajectory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/MapfreArgentina
• Facebookfacebook.com/Mapfre.ar
• LinkedInlinkedin.com/company/mapfre
• Instagraminstagram.com/mapfre_ar
• Xx.com/mapfreargentina

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 MAPFRE ARGENTINA