Kalibo Correduría de Seguros

What Kalibo Correduría de Seguros does

Kalibo Correduría de Seguros is an independent Spanish insurance brokerage (correduría de seguros) founded in 1989 and headquartered in Zaragoza, Spain. Operating as a private limited company (S.L., CIF B50332865), the firm is registered with the Dirección General de Seguros y Fondos de Pensiones under key J-861 and acts exclusively on behalf of clients rather than insurance carriers, offering impartial advisory services. With 11-50 employees and over 35 years of sector experience, Kalibo distributes products from more than 70 partner carriers including Adeslas, Allianz, Mapfre, Zurich, and Generali.

The company's product portfolio spans three primary segments: personal insurance (life, health, home, pets, dental, dependency, legal defense, mobility, and leisure lines), business insurance (general and professional liability, cyber risks, business continuity, multi-risk industrial/commercial, D&O, fleet, environmental liability, plus sector-specific packages for TIC, construction, security, transport, and alfalfa), and savings and pension products. Differentiated offerings include specialized vertical sub-brands such as Mundo Maskotero (pet insurance) and Especial Veterinarios (veterinary professional coverage), supported by 25+ years of veterinary sector expertise. The company does not develop proprietary technology platforms, instead operating through its website, phone, video conference, email, and a single physical office in Zaragoza, with customer service partially outsourced to E2K Global Business Solutions.

Revenue is generated exclusively through commissions paid by insurance carriers on policies distributed. Pricing is quote-based and not publicly disclosed, reflecting the personalized nature of insurance advisory. Marketing is multi-channel, combining educational content (website blog, Panorama Empresarial quarterly magazine since 2009), organic social media (Twitter, Facebook, Instagram, LinkedIn, YouTube, TikTok), email newsletters, and high-visibility community events such as the annual Kalibo 5K Andada Canina y Familiar, which drew over 2,000 participants in 2025. Kalibo is a member of ADECOSE, the Spanish Association of Insurance and Reinsurance Brokers.

Name

Kalibo Correduría de Seguros

Legal name

Kalibo Correduria de Seguros SL

Website

https://kalibo.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Kalibo Correduría de Seguros is a Zaragoza-based, independently owned Spanish insurance brokerage founded in 1989, distributing personal, business, and savings products from 70+ carriers and serving individuals, SMEs, and specialized verticals including pet owners and veterinarians.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• Insurance brokerage services
• Personal insurance products
• Business insurance coverage
• Savings and pension plans
• Pet insurance specialists

Headquarters

HQ city

Zaragoza

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Kalibo generates revenue exclusively through commissions received from insurance companies for distributing their insurance products. This commission forms part of the external management expenses of the insurance companies and is included in the insurance premium paid by the customer to the insurer. The company is registered as an insurance broker (clave administrativa J-0861) with the Dirección General de Seguros y Fondos de Pensiones.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Kalibo Correduría de Seguros is an independent insurance brokerage distributing personal insurance (life, health, home, pet, dental, auto), business insurance (general liability, professional liability, cyber risk, multi-risk industrial/commercial, D&O, fleet), and savings/pension plans on behalf of more than 70 insurance companies. The firm acts exclusively in the interest of clients, providing impartial advisory, market comparison, and claims handling services rather than underwriting policies itself. Revenue is generated through commissions paid by the insurance carriers whose products are placed.

Product overview

Kalibo Correduría de Seguros is a multi-category insurance brokerage offering a comprehensive portfolio of insurance and savings products. The company operates across three main segments: Personal Insurance (seguros personales), Business Insurance (seguros empresas), and Savings & Investment Products (planes de ahorro). Their personal insurance offerings span life, health, funeral, home, pet, dental, dependency, community, legal defense, accident, and mobility coverage (car, motorcycle, bicycle, scooter). Business insurance includes general liability, professional liability, cyber risk, multi-risk (industrial and commercial), directors & officers, fleet, and sector-specific coverages for TIC, construction, security, transport, and alfalfa industries. The company also provides specialized programs for veterinary professionals including clinic multi-risk and professional liability. Savings products include pension plans, provident plans, and personal savings insurance. Kalibo maintains a distinct market position through specialized brands like Mundo Maskotero (pet insurance) and El Gurú de los Seguros (professional liability portal), alongside their Panorama Empresarial publication.

Differentiator

Problem solved

Functional benefit

Brands

• Mundo Maskotero: Specialized area focusing on pet insurance and professionals working with pets
• Especial Veterinarios
• El Gurú de los Seguros

Products and services

• Seguros Personales (Personal Insurance) Distribution and advisory for personal insurance lines for individuals and families, spanning life, health, funeral, home, pet, dental, dependency, community, legal defense, rent default, illegal occupation, accident, daily allowance, school, and mobility (car, motorcycle, bicycle, scooter) coverage placed across multiple Spanish insurers.
• Seguros de Tiempo Libre (Leisure Insurance) Leisure insurance advisory covering travel assistance, recreational boats and drones for individual customers.
• Seguros de Empresas (Business Insurance) Distribution and advisory for business insurance lines covering general liability, professional liability, cyber risks, business continuity, surety/credit/financing, multi-risk industrial, multi-risk commercial, directors and officers, fleet, environmental liability, and sector-specific packages for TIC, construction, security, clusters, transport and the alfalfa industry.
• Seguro de Ciberriesgo para Empresas (Cyber Risk Insurance) Cyber risk insurance for SMEs combining coverage with prevention services, monitoring and incident response delivered in partnership with STOÏK.
• Planes de Ahorros y Pensiones (Savings and Pension Plans) Distribution and advisory for pension plans, insured provident plans, savings plans and personal savings insurance to support retirement planning and long-term financial goals.
• Mundo Maskotero (Pet Insurance Specialty) Specialty pet insurance and pet owner liability coverage, including dog insurance aligned with Spain's Animal Welfare Law, delivered under the Mundo Maskotero brand with a dedicated claims line.
• Especial Veterinarios (Veterinary Professional Coverage) Specialized insurance for veterinary professionals and clinics, including professional liability, multi-risk clinic coverage, and personal protection for veterinarians, with a comprehensive collective program for veterinary professional colleges.
• El Gurú de los Seguros (Professional Liability Portal) Dedicated information and advisory portal for professional liability insurance (RC Profesional), supporting Kalibo's professional lines business.
• Panorama Empresarial (Business Publication) Quarterly business magazine published by Kalibo since 2009 covering enterprise news, interviews and economic analysis for the Aragón business community.

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• STOÏKcoreTechnology or Integration · 26 September 2025Kalibo partners with STOÏK, a European native digital insurer specializing in cyber risks, to offer integrated cyber insurance protection for SMEs. The collaboration provides comprehensive coverage combining insurance with prevention services, monitoring, and incident response capabilities. STOÏK offers 24/7 incident response services through one of the world's leading providers.
• Pedro Agudo (Policía Nacional)minorOthers · 26 September 2025Expert in cyber intelligence, Police Commissioner, head of the Judicial Police Brigade of Málaga and former national coordinator of cybersecurity and cyber intelligence. Featured as keynote speaker at Kalibo's cyber risk jornada event.
• Cámara de Comercio de ZaragozaminorGTM or Marketing Partner · 26 September 2025Zaragoza Chamber of Commerce hosted Kalibo's cybersecurity jornada event, providing venue and promotional support for the business-focused cybersecurity awareness event.
• Ayuntamiento de ZaragozacoreGTM or Marketing PartnerZaragoza City Council collaborates as event co-organizer for the annual Kalibo 5K Andada Canina y Familiar, providing institutional support and promotional assistance for the community event.
• Colegio Oficial de Veterinarios de ZaragozacoreGTM or Marketing PartnerOfficial College of Veterinarians of Zaragoza supports the Kalibo 5K event with free veterinary triage services during the event and educational workshops on animal care and welfare.
• Asociación Apache InnovacióncoreOthersAssociation that provides animal-assisted therapy services using a multidisciplinary team of health professionals and canine instructors. Kalibo funds their therapy programs through charity event proceeds. Apache is the only authorized center in Aragón to grant official vocational training titles in the canine world.
• Preventiva SegurosminorChannel Partner/ Reseller/ DistributorInsurance company collaborator for the Kalibo 5K event, providing sponsorship and promotional support for the community event.
• E2K GLOBAL BUSINESS SOLUTIONS, S.A.minorOthersExternal customer service department contracted to handle customer complaints and claims. Contact: [email protected], tel. 967 663 901. Located at C/ Marzo, 23, 02002-ALBACETE.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lockton: Lockton is one of the world's largest privately held insurance brokerages, distributing commercial and personal coverages through multiple carrier relationships to clients globally, including in Spain. Directly comparable to Kalibo in broker-only, independent advisory positioning.
• Willis Towers Watson (WTW): WTW is a global advisory and brokerage firm offering risk management, insurance brokerage, and savings/pensions intermediation to corporate and individual clients in Spain and across Europe. Core operating model matches Kalibo's role as an independent insurance distributor earning commission on placed policies.
• Howden Group: Howden is a privately held global insurance broker with significant European and Iberian activity, providing multi-line placement across personal, commercial, and specialty risks. Operating model, scale economics, and broker-distribution mechanics closely parallel Kalibo's approach.
• Aon plc: Aon is one of the world's largest insurance and reinsurance brokerages with a major presence in Spain, intermediating across personal, commercial, and specialty lines through similar commission-driven distribution. Directly comparable to Kalibo in operating model (multi-carrier broker distributing to clients on an advisory basis), though far larger and globally diversified.
• Marsh & McLennan (Marsh): Marsh operates a leading global insurance brokerage and risk advisory business with established offices in Spain, placing property, casualty, cyber, D&O, and other commercial coverages across multiple carriers. Mirrors Kalibo's multi-line brokerage value proposition and dependence on carrier commissions.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with deep expertise across personal, commercial, and specialty lines. Comparable to Kalibo in providing multi-carrier placement and advisory services, though operating at much greater scale across multiple geographies.

Broad incumbents

• Mutua Madrileña (brokerage channel): Mutua Madrileña is one of Spain's largest insurance carriers with strong direct and broker-distribution channels. Overlaps with Kalibo where Kalibo distributes competing or complementary Mutua products as part of its 70+ carrier panel, and represents both a partner and a source of disintermediation risk.
• Aon Spain / Aon Iberia: Aon Iberia is the dominant broker in the Spanish market, offering product breadth, technology platforms, and enterprise risk capabilities that exceed a regional broker like Kalibo. Comparable in function (independent broker distributing insurance) but operates across all of Iberia with global resources Kalibo does not have.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/kaliboseguros
• YouTubeyoutube.com/channel/UCuiVXqPFDkAMc1Jvewa3spA
• Facebookfacebook.com/kalibo.correduriaseguros
• LinkedInlinkedin.com/company/kalibo-correduria-de-seguros
• Instagraminstagram.com/kalibocorreduriaseguros
• TikToktiktok.com/@kaliboseguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Kalibo Correduría de Seguros