El Norte Seguros
- Company typePrivate
- Founded1938
- HeadquartersSan Francisco, Argentina
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
El Norte Seguros firmographics
Firmographics- Name
- El Norte Seguros
- Legal name
- Compañía de Seguros El Norte S.A.
- Website
- https://elnorte.com.ar
- Company type
- Private
- Founded year
- 1938
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Where El Norte Seguros is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- Argentina
- HQ region
- Latin America
Offices15 records
Markets served
El Norte Seguros business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Insurance Premium Revenue: El Norte generates revenue through insurance premiums collected from policyholders across its multiple product lines (personal, business, agricultural, and surety). Premiums are collected on annual, monthly, or per-transaction basis depending on the product type. The company operates as a primary insurer with reinsurance arrangements to manage risk exposure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Automotive insurance available with coverage levels A through D, with varying deductible and coverage options |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
El Norte Seguros product offering
Product offeringCore offering
El Norte Seguros is a diversified Argentine insurance carrier that underwrites and sells personal, commercial, agricultural, and surety bond insurance policies. It distributes these products through 14 owned agencies and a network of more than 2,000 independent Productor Asesor de Seguros (PAS) advisors, supported by customer self-service portals, a mobile app, and an online automotive quote tool. Core revenue is generated through insurance premiums collected on annual, monthly, or per-transaction bases, with risk transferred via domestic and international reinsurance partners.
Product overview
El Norte Seguros operates as a diversified Argentine insurance company offering a comprehensive portfolio organized into four main segments: Personas (individual consumers), Empresas (businesses), Agro (agricultural), and Caución (surety bonds). The product lineup spans property and casualty insurance including automotive, home, commercial, industrial, and agricultural coverage; personal lines including life, health, accidents, and specialty risks; and financial guarantees through surety bonds for construction, customs, and miscellaneous obligations. The company distributes through 14 proprietary agencies, over 2,000 insurance producer agents (PAS), and digital portals including mobile applications, with no evidence of AI or API capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- Transitá Seguro: Road safety education platform with games and animated series for road safety education.
Products and services
- Accidentes Personales (Personas) Personal accident insurance for individuals, covering death, permanent partial and total disability, medical expense reimbursement, surgical interventions, daily hospitalization income, and prosthesis coverage.
- Automotores (Personas) Vehicle insurance for personal use automobiles and pickup trucks with coverage levels A through D, including liability, collision, theft, natural disasters, automatic sum adjustment, and MERCOSUR cross-border coverage.
- Seguro de Hogar Home insurance covering residential properties including robbery, appliance protection, glass breakage, civil liability, personal accidents, and natural disasters, with complimentary home emergency assistance services.
- Incendio (Personas) Fire insurance for residential properties covering damages from fire, lightning, explosion, and related perils.
- Riesgos Varios (Personas) Miscellaneous personal risks coverage, including legal protection for judicial officials and a golfers policy covering equipment, civil liability, and hole-in-one celebrations.
- Robos y Riesgos Similares (Personas) Theft and similar-risks insurance covering robbery of furniture, electronic devices, and valuables at residential properties.
- Vida (Personas) Personal life insurance offering group and collective life, fixed capital, salary multiples, debt balance, and continuity-of-studies coverage options.
- Salud (Personas) Supplemental health insurance covering critical illnesses, transplants, cardiovascular and neurological prostheses, and surgical interventions, complementing social security or prepaid health plans.
- Vidrios, Cristales y Espejos (Personas) Coverage for breakage of glass, crystals, mirrors, and similar pieces installed at residential properties.
- Embarcaciones de Placer Pleasure boat insurance offered in Basic, Classic, and Total plans, covering total loss, theft, fire, and civil liability for vessels up to 35 years old.
- Motovehículos Personal-use motorcycle insurance with coverage extending to bordering MERCOSUR countries at no additional cost.
- Responsabilidad Civil Profesionales Professional civil liability insurance for lawyers, notaries, accountants, architects, and engineers covering claims arising from negligent professional acts.
- Seguro Técnico (Personas) Technical insurance covering electronic equipment and devices for personal use.
- Accidentes Personales (Empresas) Corporate accident insurance covering work-related injuries, in-transit accidents, and employers' legal obligations under Argentine labor law.
- Automotores (Empresas) Commercial fleet vehicle insurance with automatic sum adjustment, hail coverage, mechanical assistance, and family protection features.
- Incendio (Empresas) Commercial fire insurance covering buildings, contents, merchandise, machinery, and additional perils including hurricanes, earthquakes, and liability.
- Integral para Comercios Comprehensive packaged insurance for retail establishments bundling fire, robbery, civil liability, glass, electronic equipment, and water damage coverages.
- Responsabilidad Civil (Empresas) Commercial civil liability insurance for business activities, including comprehensive liability, fire, explosions, elevators, construction risks, and educational establishments.
- Robos y Riesgos Similares (Empresas) Commercial theft and similar-risks insurance covering merchandise, valuables in transit, and other objects including electronic equipment and artwork.
- Seguro Técnico (Empresas) Technical insurance for fixed and mobile machinery, contractors' equipment, and electronic office and telecommunications equipment.
- Transporte de Mercadería (Empresas) Cargo transportation insurance covering national and international shipments with ICC A comprehensive and ICC C restricted coverage options.
- Vidrios, Cristales y Espejos (Empresas) Commercial glass and mirror insurance covering breakage of glass installed in doors, windows, gates, and mirrors.
- Vida (Empresas) Corporate life insurance including collective life coverage, employer obligations under labor law, and mandatory cover for domestic and rural workers.
- Todo Riesgo Operativo Operational all-risk insurance covering unnamed perils for buildings, contents, machinery, and business interruption, with benefits restoration coverage.
- Integral para Industrias Comprehensive packaged insurance for manufacturing facilities bundling fire, robbery, civil liability, glass, electronic equipment, and water damage coverages.
- Granizo Hail crop insurance covering damage to crops rooted in the soil, plus related perils including fire, stubble fire, and replanting costs.
- Incendio Agro Agricultural fire insurance covering crops and farm property against fire damage.
- Integral Agropecuario Comprehensive agribusiness insurance covering farm infrastructure, machinery, buildings, and operations, including crop and livestock protection.
- Silo Bolsa Bag silo insurance covering plastic covers and stored grains against fire, hurricanes, hail, theft, and flooding.
- Transporte de Mercadería Agro Agricultural cargo transportation insurance for farm products in transit.
- Ganado Livestock insurance covering death from disease, accidents, fire, lightning, explosion, flooding, or earthquake, including coverage during transport.
- Automotores Agro Agricultural vehicle insurance for farm vehicles and equipment used in agricultural operations.
- Obras y Servicios (Caución) Construction and services surety bonds covering contract execution, financial advances, material stockpiling, repair fund substitution, and bid guarantees.
- Garantías Aduaneras (Caución) Customs guarantee bonds covering terrestrial transit, documentation, duty differences, fiscal warehouse habilitation, temporary import/export, and exporter/importer registration.
- Garantías Varias (Caución) Miscellaneous guarantee bonds including judicial, tax, commercial lease, and professional activity bonds, available with a digital policy option (Póliza de Caución Digital).
- Póliza de Caución Digital (Digital Surety Bond Service) Digital surety bond issuance service with authenticated digital signature, enabling rapid issuance and management of cauciones while eliminating certification and form-printing costs and avoiding the capital immobilization of bank guarantees.
- SOS Red de Asistencia (24/7 Assistance Service) 24/7 nationwide emergency assistance service bundled with El Norte's automotive, home, and commercial insurance policies, offering mechanical assistance, towing, roadside services, home emergency repairs (plumbing, electricity, locksmith, gas, glass), and personal travel assistance, accessible via phone, SMS, WhatsApp, and web self-service.
Companies that use El Norte Seguros
Customer profileSegments4 records
Ideal customer profiles4 records
El Norte Seguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
El Norte Seguros partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core and minor.
- Reunión Re Compañía de Reaseguros S.A.coreIn 2017, El Norte reached an integration agreement with Reunión Re, a prestigious national-capital reinsurer operating in the market since 2012. This partnership is part of El Norte's strategy for permanence in the local reinsurance industry.
- Münchener Rückvers. AG (Germany)coreInternational reinsurance partner providing risk capacity and underwriting support. One of the world's largest reinsurers.
- Hannover Rückv. SE (Germany)coreInternational reinsurance partner providing risk capacity and underwriting support.
- MS Amlin AG (Switzerland)coreInternational reinsurance partner providing risk capacity and underwriting support.
- Best Meridian Insurance Company SPC (Cayman Islands)coreInternational reinsurance partner providing risk capacity and underwriting support.
- Reaseguradora Patria S.A. (Mexico)coreInternational reinsurance partner providing risk capacity and underwriting support.
- Scor SE Sucursal Argentina S.E.E.coreInternational reinsurance partner providing risk capacity and underwriting support.
- Mapfre Re Cía. de Reaseguros S.A. (Argentina Branch)coreInternational reinsurance partner providing risk capacity and underwriting support.
- Aseguradores Argentinos Compañía de Reaseguros S.A.coreLocal Argentine reinsurance partner.
- Federación Patronal Reaseguros S.A.coreLocal Argentine reinsurance partner.
- Reaseguradores Argentinos S.A.coreLocal Argentine reinsurance partner.
- Nación Reaseguros S.A.coreArgentine state reinsurance entity providing risk capacity and underwriting support.
- Allianz Seguros S.A. (Brazil)coreReciprocal agreement for handling of automotive insurance claims from El Norte policyholders in Brazil. Located at Calle Eugênio de Medeiros 303, Pinheiros, São Paulo. 24/7 service available.
- Flávio Pinheiro Neto Advogados (Brazil)minorLegal representation partner in Brazil for 24/7 legal assistance in automotive claims at Blumenau / SC.
- Grupo Coasegurador R.C. - Carretero Internacional (Paraguay)coreReciprocal agreement for handling of insurance claims in Paraguay. Located at Constitución Nro. 422 esquina 25 de Mayo, Barrio San Roque, Asunción.
- Banco de Seguros del Estado (Uruguay)coreReciprocal agreement for handling of insurance claims in Uruguay. Located at Bv. Artigas 3821, Montevideo.
- Aseguradora Porvenir S.A. (Chile)coreReciprocal agreement for handling of insurance claims in Chile. Located at Apoquindo 4501, Oficina 2003, Las Condes, Santiago de Chile.
- Bisa Seguros y Reaseguros S.A. (Bolivia)coreReciprocal agreement for handling of insurance claims in Bolivia. Located at Av. Arce N° 2631, Edif. Torre Multicine, Piso 14, La Paz.
- SOS Red de AsistenciacoreThird-party assistance service provider integrated into El Norte's automotive, home, and commercial insurance policies. Provides 24/7 mechanical assistance, home emergency services (plumbing, electricity, locksmith, gas, glass), and person assistance during travel. Services accessible via phone, SMS, WhatsApp, and web self-service.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
El Norte Seguros competitors and assessment
Company assessmentBroad incumbents
- Mapfre Argentina: Argentine subsidiary of Spanish insurer Mapfre. Competes in P&C, auto, and life; leverages regional Latin American scale beyond what El Norte can access on its own.
- Zurich Seguros Argentina: Argentine subsidiary of Zurich Insurance Group. Competes across the same P&C, life, and commercial lines but with global capital, broader product portfolio, and deeper investment capabilities.
- Allianz Argentina: Argentine subsidiary of global insurer Allianz. Already a claims-handling partner for El Norte in Brazil, making it both a competitor and partner; broad P&C, auto, and life portfolio with global brand power.
Direct peers
- San Cristóbal Seguros: Argentine cooperative insurer with multi-line products including auto, home, life, and agro. Comparable mid-tier Argentine peer with strong agency-based distribution.
- La Segunda Seguros: Argentine mutual insurer offering P&C, life, and agricultural products. Comparable size and distribution model with similar regional concentration in central Argentina.
- Seguros Rivadavia: Argentine mutual insurer offering P&C and life products through regional agencies. Closely comparable mid-sized Argentine multi-line competitor with similar ownership structure.
- Federación Patronal Seguros: Argentine mutual insurer with strong agricultural and commercial P&C franchise. Highly comparable multi-line, agency-based distribution model with similar regional concentration in central Argentina.
- La Caja de Ahorro y Seguro: Major Argentine multi-line insurer offering auto, home, life, and commercial products. Direct competitor in personal and commercial P&C lines with a nationwide agency footprint.
- Sancor Seguros: Argentina's largest cooperative insurance group offering P&C, life, health, and agricultural lines through a similar producer-advisor network. Closest Argentine multi-line peer at materially larger scale.
Regional players
- Sancor Seguros Uruguay: Uruguayan arm of Sancor Seguros operating in a neighboring MERCOSUR country where El Norte has a reciprocal claims agreement with Banco de Seguros del Estado. Similar P&C and life product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
El Norte Seguros social profiles
Digital presenceEl Norte Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
El Norte Seguros leadership team
Management profileNumber of profiles
Profiles9 records
El Norte Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
El Norte Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about El Norte Seguros
What does El Norte Seguros do?
El Norte Seguros is a diversified Argentine insurance carrier that underwrites and sells personal, commercial, agricultural, and surety bond insurance policies. It distributes these products through 14 owned agencies and a network of more than 2,000 independent Productor Asesor de Seguros (PAS) advisors, supported by customer self-service portals, a mobile app, and an online automotive quote tool. Core revenue is generated through insurance premiums collected on annual, monthly, or per-transaction bases, with risk transferred via domestic and international reinsurance partners.
Is El Norte Seguros a public or private company?
El Norte Seguros is a private company. It is classified as family owned and is currently operating.
When was El Norte Seguros founded?
El Norte Seguros was founded in 1938. It employs 251 to 500 people.
Where is El Norte Seguros based?
El Norte Seguros is headquartered in San Francisco, Argentina, in the Latin America region.
How does El Norte Seguros make money?
One revenue line is on record: insurance Premium Revenue.
Who are El Norte Seguros's main competitors?
Broad incumbents on record are Mapfre Argentina, Zurich Seguros Argentina and Allianz Argentina. Direct peers are San Cristóbal Seguros, La Segunda Seguros, Seguros Rivadavia, Federación Patronal Seguros, La Caja de Ahorro y Seguro and Sancor Seguros. Sancor Seguros Uruguay is listed as a regional player.
Does El Norte Seguros have an API?
No public API is recorded for El Norte Seguros.