Seguros Altamira

What Seguros Altamira does

Seguros Altamira, C.A. is a privately held Venezuelan insurance company founded in 1993 (one source cites 1992) and headquartered in Caracas, operating under the supervision of the Superintendencia de la Actividad Aseguradora. The company provides a diversified insurance and surety portfolio organized into four lines: Personas (individual and group health, personal accident, school accident, funeral services, international travel assistance); Automóviles (Cobertura Amplia, Pérdida Total, Pérdida Parcial, and the mandatory RCV liability policy); Patrimoniales (PoliHogar homeowner combined, PoliEmpresa business combined, fire, theft, money and securities, installation and assembly, maritime/air cargo, and general civil liability); and Fianzas (customs, judicial, advance payment, bid, appeal, performance, labor, and due-execution surety bonds). A specialized RCG Binacional product covers transport operators crossing the Venezuela-Colombia border. Distribution is hybrid: 11 commercial branches across major Venezuelan cities (Caracas, La Victoria, Lechería, Puerto Cabello, Valencia, Maracay, Punto Fijo, Barquisimeto, Maracaibo, El Tigre, Barinas), a nationwide network of corredores de seguros (brokers) accessing Portal Altamira at acselweb.segurosaltamira.com, a digital self-service RCV issuance portal, phone sales via the 0800-SEGALTA hotline, and a Botpress-powered webchat.

The company's revenue model is premium-based subscription across P&C, health, accident, funeral, travel, and surety categories, with pricing generally underwritten per individual risk and publicly disclosed only for the RCG Binacional product (annual premiums of USD 583, 429, and 221 across Types 1-3 respectively). The technology stack centers on a digital RCV quotation and issuance system enabling immediate online policy delivery, a general online Cotizador de Seguros tool for health, auto, and bond products, and a telemedicine service accessed through partner Darsalud (consultations via voice and video, 24/7). Premiums are collected in Bolívares, USD, and EUR via Zelle and accounts at Banesco, BNC, Banco Venezolano de Crédito, and other partner banks, reflecting adaptation to Venezuela's multi-currency operating environment.

Seguros Altamira serves individuals and families, employers (group health, collective accident, funeral coverage), vehicle owners (mandatory RCV and comprehensive coverage), transport operators on Colombia-Venezuela routes, and small/mid-sized businesses needing property, civil liability, and surety bonds. The company is led by President Domingo Amaro Rangel, has between 251-500 employees, and constituted a Defendería del Asegurado policyholder defense unit in late 2024 per regulatory requirement. Reinsurance capacity is arranged through multiple domestic and international brokers including LOCKTON Venezuela, NORTHERNLIGHT RE (Costa Rica), WORLDWIDE RE (Trinidad and Tobago), and ON REINSURANCE NV (Curaçao), while roadside assistance is delivered through partner TriAsistencia.

Name

Seguros Altamira

Legal name

Seguros Altamira C.A.

Website

https://segurosaltamira.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

Seguros Altamira is a privately held Venezuelan insurance company founded in 1993, offering diversified life, health, auto, property, and surety bond products to individuals, families, employers, and businesses across Venezuela through 11 branches, an intermediary broker network, and digital self-service channels.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAJAIAB

Commercial Surety Bonds

Financial & Insurance/Insurance — Motor, Property & Casualty/Surety & Fidelity Bonds

SECONDARYFSAJAMAJ

Surety & Fidelity Bonds

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

Keywords

• Insurance services
• Vehicle insurance
• Health insurance
• Surety bonds
• Property insurance

Headquarters

HQ city

Caracas

HQ country

Venezuela

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance: Core revenue stream from automobile insurance (RCV, Cobertura Amplia, Pérdida Total, Pérdida Parcial), property insurance (hogar, incendio, robo), and liability insurance (RCG). Premiums collected annually or per payment cycle, with claims paid upon covered events.
2. Health Insurance: Individual and group health policies (Esencial Plus, Colectivo) providing medical coverage including hospitalization, surgery, maternity, and telemedicina services. Premiums based on age, coverage level, and number of dependents.
3. Surety Bonds (Fianzas): Judicial, customs, labor, bid, performance, and advance payment bonds guaranteeing contractual obligations. Revenue from premiums paid for bond issuance.
4. Personal Accident Insurance: Individual and group accident policies (Accidentes Personales, Escolares) providing coverage for injuries, disability, or death. Collectivo policies offered to employers for employee protection.
5. Funeral Services Insurance: Individual and collective funeral service policies providing financial support for funeral expenses. Includes family coverage options.
6. Travel Assistance: International travel assistance policies covering medical emergencies, luggage loss, flight cancellation, and legal assistance during trips abroad.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Seguros Altamira is a Venezuelan insurance company that underwrites and distributes personal, vehicle, property, and commercial insurance policies, alongside a full range of surety bonds (fianzas). Its product lines include health insurance (individual and group), personal accident coverage, funeral services, international travel assistance, mandatory and voluntary automobile insurance (RCV, broad coverage, total/partial loss), homeowners and commercial combined coverage, fire, theft, money and securities, marine/air cargo, and eight categories of surety bonds. Products are sold through 11 branches, an intermediary network, digital self-service for RCV, and a partner-integrated telemedicine service.

Product overview

Seguros Altamira is a Venezuelan insurance company founded in 1993, offering a diversified portfolio of insurance products and bonds across four main business lines: (1) Personas — individual and group health insurance (Póliza de Salud Individual Esencial Plus, Póliza de Salud Colectivo), personal accident insurance (individual, collective, and school accident policies), funeral services (individual and collective), and international travel assistance; (2) Automóviles — vehicle insurance including broad coverage (Cobertura Amplia and Esencial), partial loss, total loss, and mandatory civil liability (RCV), plus an online RCV issuance system; (3) Patrimoniales — property insurance including home combined (PoliHogar), business combined (PoliEmpresa), fire, theft, money and securities, installation and assembly, maritime/air transport, and general civil liability; and (4) Fianzas — a full range of surety bonds including customs, judicial, advance payment, bid, appeal, performance, labor, and due execution/quality bonds. The company also provides supplementary services including a telemedicine platform (via Darsalud), a digital quotation tool, an insured defense unit, and an authorized repair shop network.

Differentiator

Problem solved

Functional benefit

Products and services

• Póliza de Salud Individual (Esencial Plus) Individual health insurance policy offering medical coverage for the policyholder and their family, including hospitalization, surgery, and maternity benefits, with access to the Telemedicina service for remote medical consultations.
• Póliza de Salud Colectivo Group health insurance policy designed for employers to provide healthcare coverage to their employees and their families, including access to telemedicina and specialist consultations.
• Póliza de Accidentes Personales Individual Individual personal accident insurance policy providing financial protection against injuries, disability, or accidental death for the policyholder and their family.
• Póliza de Accidentes Personales Colectivo Group personal accident insurance policy enabling employers to provide accident coverage to their employees, protecting against the economic consequences of unexpected events.
• Póliza de Accidentes Personales Escolares School accident insurance policy designed to protect students during their school activities against unforeseen accidents.
• Póliza de Servicios Funerarios Individual Individual funeral services policy providing financial support and services to the policyholder's family, covering funeral-related expenses.
• Póliza de Servicios Funerarios Colectivo Group funeral services policy allowing employers to provide funeral benefits and support to employees and their families.
• Póliza de Asistencia en Viajes Internacional International travel assistance policy covering medical emergencies, hospital expenses, repatriation, baggage loss, trip cancellation, legal assistance, and third-party liability during international travel.
• Póliza Cobertura Amplia (Esencial) Essential broad-coverage automobile insurance protecting vehicles against a wide range of damages and events, including accidents and other covered incidents.
• Póliza Cobertura Amplia Comprehensive automobile insurance policy providing broad protection against damages and events affecting the insured vehicle, including accidents and other covered incidents.
• Póliza Pérdida Parcial Partial loss automobile insurance policy providing indemnification when a vehicle suffers damages severe enough to be declared a partial loss.
• Póliza Pérdida Total Total loss automobile insurance policy providing indemnification equal to the vehicle's value when the vehicle is declared irreparable or unrecoverable.
• Responsabilidad Civil de Vehículos (RCV) Mandatory vehicle liability insurance covering damages and losses that the policyholder may cause to third parties with their vehicle, including property damage and bodily injury, available through a 100% digital issuance system.
• Responsabilidad Civil General RCG para Transportistas Binacionales (Colombia-Venezuela) Specialized civil liability insurance for transport operators crossing the Venezuela-Colombia border, covering damages caused by the insured vehicle or cargo to third parties in the foreign country, complying with international transit agreements. Priced at USD 583.00 (Type 1), USD 429.00 (Type 2), or USD 221.00 (Type 3) annually.
• Póliza Combinado del Hogar (PoliHogar) Comprehensive homeowner's combined insurance policy protecting the policyholder's house and household goods against a range of risks.
• Póliza Combinado de Empresas (PoliEmpresa) Comprehensive business combined insurance providing integrated protection for businesses against property damage, civil liability, loss of profits, legal assistance, and employee medical expenses.
• Póliza de Responsabilidad Civil General General civil liability insurance protecting businesses against damages caused to third parties during professional or personal activities.
• Póliza de Sustracción Ilegítima (Robo) Theft insurance policy protecting the policyholder's home and belongings against risks of robbery and qualified theft.
• Póliza Contra Incendios Fire insurance policy designed to protect the policyholder's assets against risks of fire, explosion, and lightning strikes.
• Póliza de Dinero y Valores Money and securities insurance policy protecting against robbery, theft, loss, fire, explosion, lightning, flooding, earthquake, and other events, with 24/7 coverage both in Venezuela and abroad.
• Póliza de Instalación y Montaje Installation and assembly insurance covering damages during the installation and mounting of equipment and machinery, including material damages, civil liability, and errors in assembly.
• Póliza de Transporte Marítimo y/o Aéreo Maritime and/or air cargo insurance policy protecting goods during transport by sea or air.
• Fianza Aduanal Customs bond guaranteeing the National Treasury payment of import taxes, service fees, and potential fines related to imports.
• Fianza Judicial Judicial bond covering damages arising from precautionary measures ordered by a judge in a legal proceeding.
• Fianza de Anticipo Advance payment bond guaranteeing the creditor the return of an advance payment if the bonded party fails to fulfill contractual obligations.
• Fianza de Licitación Bid bond guaranteeing that the winning bidder will maintain their offer, sign the contract, and provide the performance bond.
• Fianza para Recurrir Appeal bond guaranteeing a public administration entity the payment of surcharges on imposed fines if the appeal is dismissed.
• Fianza de Fiel Cumplimiento Performance bond guaranteeing the faithful, complete, and timely fulfillment of contractual obligations undertaken by the bonded party.
• Fianza Laboral o Ley del Trabajo Labor bond guaranteeing workers the payment of wages, salaries, bonuses, and social benefits during the execution of a project.
• Fianza de Debida Ejecución y Buena Calidad Due execution and quality bond guaranteeing that a project will be executed correctly and efficiently, with materials meeting agreed quality standards.

Quantifiable outcome

• 33 years of continuous operation in Venezuelan market
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

18 partnerships are on record, tiered core and supporting.

• DarsaludcoreTechnology or IntegrationTelemedicine service provider offering remote medical consultations via calls and video calls. Provides 24/7 access to doctors and specialists for Seguros Altamira health policyholders. Service includes diagnostic support, prescriptions, laboratory referrals, and coordination of in-person care at Darsalud facilities in Caracas and Valencia.
• AVIA Brokers LLC (Corredores de Reaseguro)supportingOthersUS-based reinsurance broker (Rif: J-500480830, Code: SCR-93) providing reinsurance brokerage services for Seguros Altamira.
• FACE RE Corredores de Reaseguro, C.A.supportingOthersVenezuelan reinsurance broker (Rif: J-409942759, Code: SCR-87) providing reinsurance brokerage services.
• BROKER RE, Corretaje de Reaseguros, C.A.supportingOthersVenezuelan reinsurance broker (Rif: J-403731047, Code: SCR-79) providing reinsurance brokerage services.
• ARSA RE Corretaje de Reaseguros, C.A.supportingOthersVenezuelan reinsurance broker (Rif: J-402854960, Code: SCR-78) providing reinsurance brokerage services.
• GLOBEX RE Sociedad de Corretaje de Reaseguros, C.A.supportingOthersVenezuelan reinsurance broker (Rif: J-297116265, Code: SCR-73) providing reinsurance brokerage services.
• RE SOLUTIONS Sociedad de Corretaje de Reaseguros, S.A.supportingOthersVenezuelan reinsurance broker (Rif: J-312245069, Code: SCR-68) providing reinsurance brokerage services.
• AVIATION RE Sociedad de Corretaje de Reaseguros, S.A.supportingOthersVenezuelan reinsurance broker (Rif: J-311066586, Code: SCR-67) providing reinsurance brokerage services.
• LOCKTON Venezuela C.A. Corredores de ReasegurosupportingOthersVenezuelan reinsurance broker (Rif: J-002560894, Code: SCR-31) providing reinsurance brokerage services. Part of global LOCKTON network.
• NORTHERNLIGHT RE (Costa Rica)supportingOthersCosta Rican national reinsurer (Rif: J-002024299, Code: ERE-000059) providing reinsurance capacity.
• WORLDWIDE RE (Trinidad and Tobago)supportingOthersTrinidad and Tobago-based foreign reinsurer (Code: RER-297) providing international reinsurance capacity.
• ON REINSURANCE NV (Curazao)supportingOthersCuracao-based reinsurer (Code: RER-284) providing international reinsurance capacity.
• REDBRIDGE INSURANCE COMPANY (Curazao)supportingOthersCuracao-based insurance company (Code: RER-266) providing reinsurance capacity.
• TriAsistenciasupportingTechnology or IntegrationRoadside assistance provider for automobile insurance policies. Contact numbers: 0212-750-67-44, 0212-655-67-44. Provides 24/7 towing and road assistance services for policyholders.
• Banesco Banco UniversalsupportingOthersBanking partner for premium payments and fund transfers. Accounts available for both Bolivar and foreign currency payments.
• Banco Nacional de Crédito (BNC)supportingOthersBanking partner for premium payments. Offers accounts in Bolivar and foreign currency including USD and EUR cash deposits.
• Banco Venezolano de CréditosupportingOthersBanking partner for premium payments and fund transfers.
• Venezolano de CréditosupportingOthersBanking partner for premium payments.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MAPFRE Venezuela: Venezuelan subsidiary of Spanish insurance multinational MAPFRE, offering P&C, life, health, and surety products across the same Venezuelan market. Directly comparable as a full-line, multi-branch insurer competing head-to-head across Seguros Altamira's main product categories.
• Seguros Caracas: One of Venezuela's largest and oldest insurance companies, offering P&C, life, health, and surety bonds. Directly comparable given overlapping multi-line product portfolio, nationwide Venezuelan distribution, and similar reliance on broker networks.
• Mercantil Seguros: Insurance arm of Venezuelan financial group Banco Mercantil, offering health, auto, property, life, and surety products. Comparable as a diversified Venezuelan insurer with banking-distribution cross-sell, competing in the same auto and health segments.
• Seguros La Occidental: Venezuelan insurer offering P&C, health, and group insurance products to individuals and businesses. Comparable as a multi-line private Venezuelan insurer focused on the same domestic customer base and distribution channels.
• Estar Seguros: Venezuelan insurer with a strong focus on health and accident coverage plus P&C extensions, targeting individuals and groups. Comparable as a Venezuelan competitor with overlapping health and personal-lines focus and similar multi-channel distribution.

Others

• Lockton (Venezuela operations): Global insurance brokerage and reinsurance intermediary with a Venezuelan arm (Lockton Venezuela C.A.) listed among Seguros Altamira's reinsurance brokers. Comparable as an ecosystem participant in Venezuelan risk placement and broker services rather than a direct underwriter competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SegurosAltamira
• Instagraminstagram.com/segurosaltamira
• Xx.com/0800Segalta

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Seguros Altamira