Asociación de Peritos de seguros y Comisarios de Averías

What Asociación de Peritos de seguros y Comisarios de Averías does

Asociación de Peritos de Seguros y Comisarios de Averías (APCAS) is a Madrid-headquartered Spanish professional association serving insurance loss adjusters (Peritos de Seguros) and average adjusters (Comisarios de Averías). Founded in 1962 and operating as a member-governed nonprofit, APCAS represents approximately 55% of Spanish loss adjusters through 1,100+ individual members and 676+ professional entities, with members managing the highest average claims volume in Europe (~600 claims per adjuster per year). The association runs three core product lines: the XT50 cloud-based claims management platform (developed by wholly-owned subsidiary APCAS DATA, hosting 175,000+ annual interventions across 1,300+ user profiles), the CEAPS training platform delivering initial, continuous, and accredited courses approved by Spain's Directorate General of Insurance (DGS y FP), and the Guía On-Line Profesional directory connecting consumers with accredited adjusters. APCAS also publishes the quarterly Revista Pericia journal, operates the CSV+M Road Safety Commission, and distributes insurance products through partnership with brokerage ACODRID.

The association's revenue model rests on four streams: annual membership dues (EUR 328.30 for individuals, EUR 66.11 for collaborators, EUR 90.15 first-year rate for young professionals under 30, and group discounts for legal entities from five associates), training and certification fees across vehicle, fire and miscellaneous risks, recreational boats, average adjusting, and motorcycle specialisations, commissions from ACODRID insurance product distribution, and ancillary services through the XT50 platform. Distribution is purely domestic (Spain) and executed via direct digital channels (public website apcas.es, member intranet, XT50 portal, and CEAPS learning platform) supplemented by annual General Assemblies, regular XT50 user meetings, content marketing through the Pericia blog and Hemeroteca archive, and road safety events under CSV+M. The company is accredited compliant with GDPR (EU 2016/679) and Spain's Organic Law 3/2018 on personal data protection.

Name

Asociación de Peritos de seguros y Comisarios de Averías

Legal name

ASOCIACIÓN DE PERITOS Y COMISARIOS DE AVERÍAS (APCAS)

Website

https://apcas.es

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Asociación de Peritos de Seguros y Comisarios de Averías (APCAS) is a Madrid-based Spanish professional association serving insurance loss adjusters and average adjusters, operating the XT50 claims management platform, the CEAPS training programme, and a professional directory connecting consumers with accredited members.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Dues: APCAS generates primary revenue through annual membership fees. Individual professionals pay EUR 328.30 per year; collaborating members pay EUR 66.11 per year. Young professionals under 30 who completed UNESPA-APCAS training within three years and have less than one year in practice pay EUR 90.15 per year. Legal entities receive discounts starting from 5 associated members, with a first-year entry fee of EUR 90.15 for processing.
2. Training and Certification Fees: APCAS generates revenue through initial training courses, accredited training programmes, and continuing education for insurance loss adjusters and average adjusters. Training covers vehicle insurance, fire and miscellaneous risks, recreational boats, average adjusters, and motorcycles.
3. Insurance Product Distribution (ACODRID): APCAS offers insurance products through ACODRID, a specialised brokerage firm, providing insurance offerings to the association's members and related entities.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

APCAS is the national professional association in Spain for insurance loss adjusters (Peritos de Seguros) and average adjusters (Comisarios de Averías), providing accredited initial and continuing training, professional certification approved by the DGS y FP, and access to its proprietary XT50 cloud-based claims management platform. The association also maintains the Guía On-Line Profesional directory, publishes the Revista Pericia quarterly journal, offers corporate membership (APCAS EMPRESAS) and motorcycle-specialist membership (APCAS MOTO), and distributes insurance products through partner brokerage ACODRID.

Product overview

APCAS operates as a professional association for insurance experts (peritos de seguros) and average loss adjusters (comisarios de averías) in Spain. The core product offering centers on XT50, a cloud-based digital platform for comprehensive claims management developed by APCAS DATA, enabling real-time collaboration between experts, insurers, mediators, and clients. Supporting the technology platform is CEAPS, a training management system offering initial, continuous, and accredited professional training courses covering automobile vehicles, fires and various risks (home), recreational boats, and average loss adjustment. The association also provides specialized membership tiers including APCAS EMPRESAS for corporate members and APCAS MOTO for motorcycle specialists, plus a professional directory (Guía On-Line Profesional) and the Revista Pericia publication.

Differentiator

Problem solved

Functional benefit

Brands

• XT50: Digital platform for integral claims management developed by APCAS DATA, serving insurance adjusters with over 676+ entities, 175,000+ annual interventions, and 1,300+ user profiles
• CEAPS
• APCAS EMPRESAS
• APCAS MOTO
• Revista Pericia

Products and services

• XT50 Claims Management Platform

Quantifiable outcome

• 676+ professional entities and 1,300+ user profiles on the XT50 platform managing 175,000+ interventions per year
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• UNESPAcoreStrategic or Co-development PartnerUNESPA (Unión Española de Entidades Aseguradoras y Reaseguradoras) is Spain's insurance industry association. APCAS collaborates with UNESPA on training programme development: the UNESPA-APCAS training curriculum is the official programme approved by the DGS y FP for accreditation of insurance loss adjusters. UNESPA also issues public recommendations on insurance coverage topics, including storm and cold wave coverage, which are published through APCAS channels.
• FUEDI (Federación Europea de Peritos de Incendios y Riesgos Diversos)coreStrategic or Co-development PartnerFUEDI is the European Federation of Fire and Disaster Adjusters. APCAS is Spain's member association within FUEDI, which conducted a pan-European study on the situation of insurance loss adjusters across 11 European countries, including Spain. Through FUEDI, APCAS participates in European-level harmonisation efforts, standard-setting discussions, and knowledge-sharing on loss adjusting practices.
• ACODRIDcoreChannel Partner/ Reseller/ DistributorACODRID is a specialised insurance brokerage firm that provides insurance products and services to APCAS members and the association's public audience. The partnership appears under the 'Oferta de seguros' (insurance offerings) section of APCAS's website, indicating ACODRID is the exclusive insurance product partner for APCAS.
• Cruz Roja EspañolaminorStrategic or Co-development PartnerAPCAS references Cruz Roja's 'Conducta PAS' (Protect, Alert, Assist) emergency response protocol in its road safety commission's guidance on how to behave when encountering a road accident. This is an informational alignment rather than formal partnership, with APCAS adopting the widely-recognised emergency response framework.
• APCAS DATAcoreTechnology or IntegrationAPCAS DATA is the technology subsidiary that developed and maintains the XT50 platform for APCAS. The platform has been in continuous service for over a decade and continues to evolve, with plans to integrate artificial intelligence and electronic invoicing. APCAS DATA works closely with the user community to develop new functionalities.
• Various Partners for Road Safety (Triángulo de la Seguridad Vial)minorStrategic or Co-development PartnerAPCAS's Commission for Road Safety and Mobility (CSV+M) mentions working with different partners to improve road safety through the 'Triángulo de la Seguridad Vial' (Road Safety Triangle) project, which promotes three key driver recommendations: adequate speed, safe distance, and continued attention. Specific partner names are not disclosed.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• McLarens: McLarens is a global independent claims services provider offering loss adjusting, claims management, and forensic accounting services. It is a direct analogue to APCAS members in terms of services offered (loss adjusting) but operates commercially across multiple geographies rather than as a national guild.
• Charles Taylor Adjusting: Charles Taylor provides claims services and loss adjusting across multiple lines of business globally. Comparable because its adjusters perform the same work APCAS members do (insurance loss assessment), though at a global commercial scale rather than as a domestic professional association.
• Crawford & Company: Crawford is the world's largest independent provider of claims management and loss adjusting solutions, serving insurers globally. Comparable to APCAS because both occupy the loss adjusting / claims management ecosystem, though Crawford is a global commercial carrier of these services while APCAS is a national professional association whose members perform similar work.
• Sedgwick: Sedgwick is a leading global provider of technology-enabled claims and productivity management solutions. It competes directly with independent loss adjusters in the same claims management space APCAS members occupy, but operates as a multinational commercial firm rather than a professional association.

Emerging players

• Davies Group: Davies is a specialist professional services and technology firm serving insurance and financial services, including claims management. Comparable to APCAS's ecosystem because it provides technology and operational support to claims processes, though as a private commercial entity rather than a professional guild.
• Guidewire Software: Guidewire provides core software platforms used by insurance carriers for claims management. Comparable to XT50 (APCAS's claims platform) in serving the same end-to-end claims workflow, though Guidewire sells to insurers globally while XT50 serves a national adjuster community.
• Crawford Contractor Connection: Contractor Connection is Crawford's managed repair and contracting network for property claims, analogous in role to APCAS's loss adjuster network but serving property/carrier needs directly. Both operate as curated professional networks that route claims work to qualified parties.

Regional players

• NIVRE (Nederlands Instituut Van Register Experts): NIVRE is the Dutch professional association for registered loss adjusters and is the largest member of FUEDI with 1,666 associates. It is highly comparable to APCAS in structure—national accreditation body for loss adjusters—though it operates in a different (Dutch) market.

Others

• UNESPA (Unión Española de Entidades Aseguradoras y Reaseguradoras): UNESPA is Spain's insurance industry trade association, partnering with APCAS on the official loss adjuster training curriculum approved by DGS y FP. It is a strategic partner/industry counterpart rather than a competitor, sitting on the insurer side of the value chain that APCAS adjusters serve.

Direct peers

• FUEDI (Federación Europea de Peritos de Incendios y Riesgos Diversos): FUEDI is the European federation of which APCAS is the Spanish member association, comprising 11 national bodies. It is a direct peer in that it represents the same loss adjester profession across Europe and conducts the pan-European benchmarking studies that produce APCAS's key market share data.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/APCAS_Asoc
• Facebookfacebook.com/APCASperitosycomisariosdeaverias
• LinkedInlinkedin.com/company/apcas-asoc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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