RBM Insurance

What RBM Insurance does

RBM Insurance (legal name RBM Corretora de Seguros, commercially branded as RBM Seguros and at group level as Grupo RBM Corretora de Seguros) is a privately held Brazilian insurance brokerage founded in 1980, headquartered in Rio de Janeiro, and operating through five physical offices across Rio de Janeiro, São Paulo, Manaus, Ribeirão Preto and Florianópolis. The firm acts as an intermediary between clients and insurance underwriters, monetizing via transaction-based commissions on policy placement rather than by underwriting risk itself. Its product portfolio spans 20+ corporate lines (group health and dental, life, travel, corporate property, fleet, surety, fine art, port operator, marine including P&I, civil liability including D&O and E&O, aeronautical, cyber, engineering, oil & gas, transport/logistics, credit, agricultural, rental guarantee) and 12+ personal lines (auto, home, life, travel, bike, nautical, art, animal, portable equipment, aeronautical, capitalization/rental guarantee, civil and professional liability). For risks exceeding domestic capacity, RBM coordinates placement with international specialty brokers and accesses facultative reinsurance markets.

The company's go-to-market is hybrid: a consultative, relationship-driven enterprise field-sales motion (in-person and phone-based across regional offices) targeting corporate clients and high-net-worth individuals, combined with a direct-to-consumer brokerage channel for individuals supported by digital self-service touchpoints. The digital surface — a refreshed website (rbmseguros.com.br) with segmented product landing pages, a "Cotação Rápida" lead-capture form, a "Fale Conosco" contact form, and a click-to-WhatsApp sales channel — is relatively light on demand-generation infrastructure, with the primary marketing channel being organic Instagram. The firm has 101–250 employees and self-describes as one of the largest corretoras in Brazil, tracing lineage to the first group of insurance brokers in the country.

In 2025, Grupo RBM executed two strategic acquisitions: Hold, a corretora with strong expertise in product development and customer-service excellence (intended to expand solution breadth and innovation capacity), and NV Seguros Digitais, a digital corretora (intended to accelerate digital transformation and broaden market presence). Both subsidiaries are described as integrated, with brands retained. No revenue, ownership, cap-table, or headcount-growth data is disclosed in the source material, and there is no evidence of any AI/ML capability, public listing, external institutional investor, or named customer logos.

Name

RBM Insurance

Legal name

RBM Corretora de Seguros

Website

https://rbmseguros.com.br

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

RBM Insurance (RBM Corretora de Seguros) is a privately held Brazilian insurance brokerage, founded 1980 and headquartered in Rio de Janeiro, that distributes 20+ corporate and 12+ personal insurance lines via five regional offices and digital self-service channels, serving enterprises, SMBs, and individuals across Brazil.

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

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Corporate risk management
• Employee benefits programs
• Personal insurance distribution
• Facultative reinsurance placement

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Earned commissions on placement of insurance policies across personal lines (auto, home, life, travel, etc.) and corporate lines (health, dental, property, marine, aviation, cyber, engineering, oil & gas, guarantees, etc.) with insurers. Acts as intermediary between clients and underwriters, monetizing via transaction-based commissions rather than underwriting risk itself.
2. Capitalization and rental guarantee product distribution: Distribution of capitalization titles ("título de capitalização") that substitute a guarantor for residential/commercial rental contracts, and rental guarantee insurance ("fiança locatícia") — generating placement commissions.
3. Corporate risk consulting and international placement fees: Fees and commissions derived from corporate risk analysis, bespoke policy structuring, and placement of large/complex risks (marine, aviation, oil & gas, engineering, cyber) — including international broker coordination and facultative reinsurance placement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

RBM Corretora de Seguros (RBM Seguros) is a Brazilian insurance brokerage that intermediates placement of personal and corporate insurance policies with underwriters, earning brokerage commissions. The firm distributes more than 30 lines of insurance spanning personal lines (auto, home, life, travel, bike, nautical, aeronautical, art, animal, portable equipment, capitalization/rental guarantee, civil/professional liability) and corporate lines (group health, dental, life, travel, worksite benefits, fleet, agricultural, credit, business, surety, fine art, port operator, maritime/P&I, civil liability, aeronautical, cyber, engineering, oil & gas, and transport/logistics), including international placement and facultative reinsurance for large risks.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestão de Benefícios (Corporate Benefits Management) Consultative program in which RBM conducts group research and analysis to design the most appropriate insurance and benefits program for each company, leveraging specialized corporate benefits management expertise (health, dental, life, travel, worksite).
• Plano de Saúde (Corporate Health Plan) Corporate health insurance offering positioned as a valued employee benefit intended to increase productivity, attract, and retain talent, with RBM tailoring a solution for each client company.
• Plano Odontológico (Corporate Dental Plan) Affordable and easy-to-implement corporate dental plan providing oral health coverage for employees.
• Seguro de Vida Empresarial (Corporate Life Insurance) Group life insurance providing financial protection for employees and dependents in case of accidents, as part of the corporate benefits portfolio.
• Seguro Viagem Corporativo (Corporate Travel Insurance) Corporate travel insurance designed per client needs, providing protection against minor and major incidents for business, study, or leisure trips.
• Worksite Program providing individual insurance offerings to employees and their families with discounts, differentiated installment conditions, exclusive service, and simplified contracting for Auto, Home, Travel, Life, Personal Accident, and other coverages.
• Riscos Corporativos (Corporate Risk Management) Risk analysis and management service that maps company risk exposure, defines strategy to minimize and insure it, and proposes new solutions or adjustments; for large risks, RBM coordinates international brokers and facultative reinsurance specialists.
• Seguro Agrícola (Agricultural Insurance) Coverage designed for agribusiness operations, protecting producers against losses from crops to machinery caused by adverse natural phenomena up to the contracted maximum indemnity limit.
• Seguro de Crédito (Credit Insurance) Coverage guaranteeing the business will not be impacted by default on credit extended to customers, allowing operation without excessive balance-sheet risk.
• Seguro Empresarial (Business Insurance) Coverage protecting the company against damage to property, assets, employees, third parties, and contents (machinery, furniture, utensils, goods, raw materials), regardless of size or segment, ensuring business continuity.
• Fiança Locatícia Empresarial (Corporate Rental Guarantee) Rental guarantee insurance for commercial and non-residential urban property leases (offices, clinics, etc.), eliminating the need for a guarantor and avoiding tenant deposits equivalent to three or more months of rent.
• Seguro de Frota (Fleet Insurance) Coverage protecting company vehicles against damage from collision, fire, theft, and other risks, including optional Third-Party Liability (RC Facultativa) coverage for accidents caused by company vehicles.
• Seguro Garantia (Surety Insurance) Surety insurance ensuring compliance with obligations in public, private contracts, and judicial proceedings, offering low-cost security without compromising credit lines; sub-modalities include Bid Bond, Construction/Supply/Service, Concessions, Corrective Maintenance, Advance Payment, Judicial, Customs, and Completion.
• Seguro de Obras de Arte (Fine Art Insurance) Specialized, agile, and confidential coverage for art collections, exhibitions, merchants, and museums, including material damage and loss to insured pieces.
• Seguro Operador Portuário (Port Operator Insurance) Coverage ensuring security in port operations, encompassing risks during execution in organized port areas or private-use port facilities, protecting movement and storage of transported goods.
• Operações Marítimas (Maritime Operations Insurance) Customized solutions for companies in the maritime sector, including Marine Hull, Shipbuilder, and Protection and Indemnity (P&I) sub-lines, ensuring compliance with national and international norms.
• Responsabilidade Civil Empresarial (Corporate Civil Liability) Civil liability insurance protecting the insured's assets from judicial liability or direct claims for involuntary third-party damages (material, bodily, or moral). Sub-lines include General, Environmental, Vehicle Contingent, D&O, and E&O liability.
• Riscos Aeronáuticos (Aeronautical Risks Insurance) Coverage for aeronautical risks offering aircraft and component protection, with options for hijacking, terrorism, passengers, cargo, crew, and people/property on the ground.
• Riscos Cibernéticos (Cyber Risk Insurance) Coverage providing security against third-party claims related to data management responsibility, addressing risks of the modern virtual/technology-driven business environment.
• Riscos de Engenharia (Engineering Risks Insurance) Specialized, customized solutions for all types of project management and construction-related risks, providing benefits to both contractor and owner throughout construction projects.
• Riscos de Petróleo (Oil & Gas Risks Insurance) Coverage for companies in prospecting, drilling, and/or production of oil and natural gas and their service providers, protecting platforms, vessels, probes, and equipment against material damage from operational accidents.
• Transporte e Logística (Transport and Logistics Insurance) Cargo insurance protecting goods during transport, covering multiple accident types, theft, and any risk of damage to the company's merchandise in transit.
• Seguro Aeronáutico Pessoal (Personal Aeronautical Insurance) Personalized coverage for executive aviation needs, including jets, twin-piston aircraft, single and twin turboprops, and turbine helicopters, tailored to each operation profile.
• Seguro Animal Coverage aimed at high-value cattle, horses, and sheep, providing transport and life coverage with optional surgical, clinical, necropsy, and theft coverages per contractual conditions.
• Seguro Automóvel (Personal Auto Insurance) Auto insurance offered for each client profile, with a qualified team supporting the policyholder whenever needed.
• Seguro de Bicicleta (Bike Insurance) Coverage providing safety and tranquility for cyclists, including protection against theft and accidents.
• Capitalização e Fiança Locatícia Pessoal (Personal Capitalization & Rental Surety) Capitalization title and rental guarantee insurance substituting a guarantor and dispensing with credit analysis, ensuring rental contract obligations for residential, commercial, holiday, warehouse, or land properties.
• Seguro Náutico (Nautical Insurance) Coverage protecting leisure vessels such as boats, jet-skis, yachts, and sailboats across the national territory.
• Seguro de Equipamentos Portáteis (Portable Equipment Insurance) Coverage for portable devices against theft, robbery, and physical damage, addressing the growing technology-driven risks faced by owners of portable equipment.
• Seguro Residencial (Home Insurance) Comprehensive home insurance with flexible coverages adapted to different client profiles, protecting residences against unforeseen events.

Quantifiable outcome

• 45+ years operating continuously in the Brazilian insurance market
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered flagship, core and minor.

• Hold (Corretora)flagshipStrategic or Co-development PartnerHold, a corretora with strong expertise in product development and a focus on customer-service excellence, was integrated into Grupo RBM Corretora de Seguros. The acquisition strengthens RBM's capacity to innovate, broaden its solutions, and deliver more value to companies and partners. Announced via RBM's Instagram channel.
• NV Seguros DigitaisflagshipStrategic or Co-development PartnerNV Seguros Digitais, a digital corretora, was acquired by Grupo RBM Corretora de Seguros. The deal reinforces RBM's market presence, broadens its solutions, and accelerates digital transformation, with stated commitments to innovation, proximity, and service excellence.
• International specialty brokerscoreChannel Partner/ Reseller/ DistributorFor large corporate risks that require placement in the international market or use of facultative reinsurance, RBM maintains relationships with specialized international brokers to meet all business needs. (Specific broker names are not disclosed.)
• doisdesignminorImplementation/ SI/ Consulting Partnerdoisdesign is credited in the website footer (https://www.doisdesign.com) as the design partner for the RBM Seguros website — appears to be the agency that built/hosts the site.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Marsh: Global insurance broker with significant Brazilian operations serving large corporate and multinational clients, including risk placement, facultative reinsurance, and benefits consulting. Overlaps with RBM on the corporate risk advisory and international placement capabilities.
• Aon: Global insurance and reinsurance broker with a Brazilian presence, offering corporate risk, health & benefits, and international placement — directly overlapping with RBM's specialty risk and benefits management services.
• Gallagher: Global insurance brokerage and risk management firm with established Brazilian operations through its Cedar Holdco platform. Directly comparable to RBM on multi-line corporate and individual brokerage.
• Lockton: World's largest privately held insurance brokerage with Latin American operations, offering corporate risk and benefits solutions comparable to RBM's enterprise portfolio.
• Howden: Global insurance broker with growing Brazilian presence following recent Latin American acquisitions. Competes with RBM on specialty lines and large corporate risk placement.
• Willis Towers Watson (WTW): Global advisory and brokerage firm with Brazilian corporate risk and benefits operations, competing with RBM on enterprise risk advisory, health & benefits, and large-risk placement.

Emerging players

• Minuto Seguros: Brazilian insurtech corretora specializing in digital auto and home insurance distribution, leveraging online quote-to-bind flows. Comparable to RBM's direct-to-consumer brokerage motion but with a more mature digital stack.
• Justos: Brazilian insurtech operating as an auto insurer/broker with digital-first distribution and data-driven underwriting. Represents the digital-native model that RBM is attempting to emulate via the NV Seguros Digitais acquisition.
• 180 Seguros: Brazilian digital corretora offering multi-line personal insurance (auto, home, life) through online channels. Overlaps with RBM's individual-lines portfolio on the consumer-facing brokerage side.

Direct peers

• Wiz Soluções: One of Brazil's largest insurance and banking-product brokerages, offering multi-line personal and corporate brokerage with national distribution. Directly comparable to RBM as a large-scale Brazilian corretora competing for the same enterprise and individual accounts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/rbmseguros

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 RBM Insurance