FID Seguros

What FID Seguros does

FID Seguros (legal name FID Chile Seguros Generales S.A.) is a Santiago-headquartered general insurance company founded in 2019 that operates as a subsidiary of Portugal's Fidelidade, which is in turn controlled by Hong Kong-listed Fosun International. The company underwrites a broad portfolio of property and casualty insurance across three customer segments: Personal (auto, home, SOAP mandatory personal accident, theft, glass, personal accidents, civil liability), Pyme/SME (verticalized multi-risk covers for restaurants, veterinary/pet shops, supermarkets, beauty salons, offices, and school vans, plus FID Teletrabajo telecommuting cover and FID Ecoruedas multi-modal mobility), and Enterprise (light and heavy commercial vehicles, fleet, multi-risk industrial, engineering, cargo transport, maritime/aviation hull, and civil liability). Its product set includes several differentiated offerings, notably FID Ecoruedas (covering the policyholder across own, rented, or app-based bicycles, scooters, and motorcycles) and FID Teletrabajo (notebook replacement and home-content cover for remote workers), alongside regulatory-mandated GPS anti-theft device integration under Chile's Ley 21.170.

The technology platform centers on a multi-portal digital stack: Fidnet serves brokers, workshops, reinsurers, and co-insurers for policy and claims management; FIDPay processes premiums via seven Chilean payment rails (Webpay, OnePay, OneClick, Mach, Khipu, Servipag, Multicaja); and dedicated online workflows handle auto accidents, SOAP, home, personal, and mortgage-related claims. The company is regulated by Chile's Comisión para el Mercado Financiero (CMF) and complies with Circular N°2131 and Chilean data protection law (Ley 19.628).

FID generates revenue through recurring insurance premiums across personal, SME, and enterprise lines, collected monthly, quarterly, or annually with automatic debit options. Distribution is primarily broker-led through licensed corredores de seguros who advise customers and manage policies via Fidnet, supplemented by direct channels: a 24/7 phone line (800 71 88 00), WhatsApp, email ([email protected]), online payment portals, and physical presence across 13 Chilean cities from Arica to Puerto Montt. The company employs 101–250 staff and markets through a mix of content (corporate blog, educational guides), earned media (Diario Financiero, Meganoticias, BioBio Chile, T13), and broker referral channels.

Name

FID Seguros

Legal name

FID Chile Seguros Generales S.A.

Website

https://fidseguros.cl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

FID Seguros is a Chilean general insurance subsidiary of Portugal's Fidelidade (backed by Fosun International), offering auto, home, SOAP, SME, and enterprise P&C products across 13 Chilean cities through a broker-led, digitally-enabled distribution model.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH)

Keywords

• General insurance
• Auto insurance
• Home insurance
• Commercial insurance
• SOAP mandatory insurance

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: FID generates revenue through recurring insurance premiums across personal auto, home, SME, and commercial enterprise insurance products. Premiums are collected on monthly, quarterly, or annual payment schedules with automatic payment options available.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

FID Seguros is a Chilean general insurance company that underwrites and distributes property and casualty insurance products across three segments — Personas (individuals: auto, home, mandatory SOAP, theft, glass, personal accident, civil liability), Pyme (SMEs: FID Furgón Escolar, telecommuting, restaurants, vet clinics, supermarkets, beauty salons, offices), and Empresas (enterprise: commercial light/heavy vehicles, multi-risk, engineering, cargo transport, marine/aviation hull, fleet). Policies are sold primarily through licensed insurance brokers with digital policy management, claims, and payment via the Fidnet broker portal and FIDPay online platform.

Product overview

FID Seguros is a Chilean general insurance company offering a comprehensive portfolio of personal, commercial, and enterprise insurance products. The product portfolio is organized into three main segments: (1) Personal insurance covering auto (including the innovative FID Ecoruedas for multi-modal mobility), home (Vivienda Habitual with four plan tiers), theft, glass, personal accidents, and civil liability; (2) Pyme/SME insurance including FID Teletrabajo (telecommuting), FID Furgón Escolar (school transport), and specialized commercial coverage for restaurants, veterinary/pet shops, supermarkets, beauty salons, and offices; (3) Enterprise insurance including commercial vehicle insurance (light and heavy trucks), fleet management, multi-risk business insurance, engineering insurance (construction, assembly, electronic equipment, machinery), cargo transport insurance, maritime/aviation hull insurance, and civil liability. The company also offers mandatory SOAP (obligatory personal accident) insurance for various vehicle categories. FID operates through insurance brokers and offers digital channels for policy management, claims reporting, and online payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Auto Particular Personal auto insurance covering vehicle damage, accidents, and related risks for individual vehicle owners in Chile.
• FID Ecoruedas Multi-modal mobility insurance that protects the policyholder when traveling by bicycle, scooter, or motorcycle (own, rented, or via apps), including personal accident and third-party liability coverage.
• SOAP (Seguro Obligatorio de Accidentes Personales) — Light Vehicles Mandatory personal accident insurance for vehicles required by Law 18.490, covering injuries and death from traffic accidents for drivers, passengers, and third parties.
• Seguro Vivienda Habitual (Hogar) Home insurance with four plan tiers (Mi Hogar, Todo Hogar, Hogar Premium, Hogar Exclusivo) covering fire, explosion, pipe bursts, natural events, earthquakes, robbery, civil liability, glass breakage, and home assistance.
• Seguridad y Protección ante Imprevistos (Robo, Cristales, Accidentes Personales, Responsabilidad Civil) Personal protection insurance bundle covering household theft, glass/window breakage, personal accidents (death/disability/medical expenses), and family-head civil liability against third-party claims (including pets).
• FID Teletrabajo Pioneering telecommuting insurance protecting companies and their employees working from home, including notebook replacement in case of accidents, damage to work equipment, robbery coverage, home content protection, financial protection for fatal accidents or disability, and home fire coverage.
• FID Furgón Escolar Specialized insurance for school transport vans that also covers vehicles that expanded their operations to other sectors during the pandemic, including coverage for total loss paralysis.
• Seguro Restaurantes y Cafeterías Multi-coverage insurance for restaurants and cafes protecting the premises, merchandise, furniture, and equipment with over 20 coverages including pipe bursts, glass breakage, robbery, and civil liability.
• Seguro Veterinarias y Petshop Multi-coverage insurance for veterinary centers and pet shops protecting the business, merchandise, furniture, and equipment including over 20 coverages and exclusive civil liability for pets under custody.
• Seguro Supermercados y Minimarket Complete insurance for food retail businesses including supermarkets, butcher shops, fruit shops, fish markets, bakeries, and herbalists, protecting premises and merchandise.
• Seguro Peluquerías y Centros de Estética Multi-coverage insurance for beauty salons and aesthetic centers protecting against water damage, electrical events, and providing civil liability coverage for damages caused to clients.
• Seguro Oficinas Multi-risk insurance for offices and professional service centers protecting against fire, explosions, natural events, pipe bursts, robbery, electrical damage, and including assistance services.
• Seguro Comerciales Livianos Light commercial vehicle insurance for fleets of cars or pick-up trucks with passenger seat coverage, brand workshop access, and 30-day replacement car with $4,000 copay.
• Seguro Camiones de Carga y Vehículos Pesados Commercial truck and heavy vehicle insurance with three coverage levels — Civil Liability; Total Loss plus Civil Liability; and Material Damage plus Civil Liability — including transport intelligence advisory services.
• SOAP Camiones y Vehículos Pesados Mandatory personal accident insurance for trucks, machinery, trailers, semi-trailers, and mopeds as required by Law 18.490, covering death and bodily injuries from traffic accidents; prices from $5,900 to $61,740 CLP.
• SOAP Buses y Transporte Escolar Mandatory personal accident insurance for buses, minibuses, and school transport covering drivers, passengers, and affected third parties with coverage for medical expenses, hospitalization, and accidental death; prices from $35,000 to $98,000 CLP.
• Seguro Multirriesgo Empresarial Multi-risk business insurance including Condominium insurance, Industrial Multi-risk coverage, and Corporate Personal Accident insurance protecting business assets and employees.
• Seguros de Ingeniería Engineering insurance covering mobile equipment, all-risk construction, all-risk assembly, electronic equipment, and machinery breakdown for construction and industrial projects.
• Seguro de Transporte (Carga) Cargo transport insurance protecting goods during transit by land, sea, or air with multiple coverage modalities including specific voyage, monthly declaration, flat, and floating coverage.
• Seguro Casco Marítimo y Aéreo Maritime and aviation hull insurance covering vessels, aircraft, and related equipment against accidents, including third-party civil liability.
• Seguro Responsabilidad Civil Civil liability insurance protecting business and personal assets against claims for material or bodily damage caused to third parties, including legal defense costs.
• Seguro Flotas de Vehículos Fleet vehicle insurance providing technical and professional advisory services to deliver value for businesses with multiple vehicles.

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• BCI Seguros: BCI Seguros is the in-house P&C insurer of Banco de Crédito e Inversiones, distributing general insurance products through bank channels and corredores across Chile — a direct competitor to FID in personal and SME lines.
• Seguros SURA Chile: SURA is a leading Chilean general/P&C insurer offering personal auto, home and SME coverages through broker networks — directly overlapping with FID Seguros' Personas/Pyme segments in Chile.
• Zurich Seguros Chile: Zurich operates P&C lines including auto, home, fleet, engineering and multi-risk in Chile via corredores — overlapping significantly with FID's enterprise and SME product set.
• Liberty Seguros Chile: Liberty Seguros (Liberty Mutual group) offers personal auto, home and commercial P&C products in Chile, including fleet — a direct competitor in FID's core auto and commercial segments.
• Intact Seguros Chile (formerly RSA): Intact Seguros (formerly RSA Chile) is a multi-line P&C insurer offering auto, home, commercial and specialty products in Chile, overlapping with FID's personas, pyme and empresa offerings.
• HDI Seguros Chile: HDI Seguros is a German-owned P&C insurer operating in Chile with personal auto, SME and enterprise products — comparable in scope and broker-led distribution to FID Seguros.
• Mapfre Seguros Chile: Mapfre is a Spanish-headquartered P&C insurer with a large Chilean operation offering auto, home, commercial, fleet and multi-risk products via corredores — closely comparable to FID's full-stack P&C offering.

Broad incumbents

• Chubb Seguros Chile: Chubb is a global P&C/commercial insurer with Chilean operations focused on property, casualty, liability and specialty lines — comparable as a broader incumbent in FID's multi-risk and engineering target segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FID-Seguros-111948304486869
• LinkedInlinkedin.com/company/fid-seguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 FID Seguros