Seguros Universitas

What Seguros Universitas does

Seguros Universitas, C.A. is a privately held Venezuelan insurance company founded in 2011, 100% owned by Venezuelan shareholders with experience in the insurance market and registered with the Superintendencia de la Actividad Aseguradora (SUDEASEG) under No. 83. The company offers a multi-line portfolio across four business segments: Auto (automobile insurance plus roadside assistance, in-situ inspection, and a national workshop network), Personas (individual and group health, life, personal accident, travel, funeral, and a suite of 12+ medical/wellness assistance services), Patrimoniales (home, business, and specialty property coverage including fire, theft, marine/cargo, machinery, construction, and fidelity), and Fianzas (seven surety bond types for contracts, labor, customs, and quality). Sum-insured bands range from approximately $1,000 to $500,000, and policies are available in both Venezuelan Bolívares (VES) and US Dollars.

The company operates a hybrid distribution model combining (i) a network of licensed insurance intermediaries (Socios Comerciales) with a dedicated partner portal, (ii) online self-service quotation (Cotizador) and payment tools, and (iii) 13 physical Centro de Negocio (CDN) branches covering 13 Venezuelan states (Anzoátegui, Aragua, Barinas, Bolívar, Carabobo, Distrito Capital, Lara, Monagas, Nueva Esparta, Sucre, Táchira, Trujillo, and Zulia). It serves both individual consumers (Personas) and small-to-medium enterprises (PYMES) with home, auto, commercial, and bond coverage.

The underlying technology stack is traditional: a web portal ecosystem at portales.segurosuniversitas.com serves policyholders, intermediaries, contractors, employees, and providers; there is no disclosed proprietary platform, algorithm, or AI/ML capability. Revenue is generated entirely through insurance premiums across the four lines, billed predominantly on an annual cadence. The company has invested in regulatory compliance, including a Defensor del Asegurado unit (Providencia SAA-01-0533-2024) and AML/risk-management frameworks (Providencia SAA-01-0536-2024), and reports operational outcomes of 98% travel-assistance resolution and 95% of medical-assistance cases handled through home-based Domiciliary Medical Assistance.

Name

Seguros Universitas

Legal name

Seguros Universitas, C.A.

Website

https://segurosuniversitas.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Seguros Universitas is a privately held, SUDEASEG-licensed Venezuelan insurer (founded 2011) offering multi-line coverage across Auto, Personas (health/life/accident/travel), Patrimoniales (home and commercial property), and Fianzas (surety bonds), distributed via intermediaries, online portals, and 13 branch offices in 13 states.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAFAB

Mid-Market Commercial Package (Package Policies)

Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)

SECONDARYFSAJALAG

Home Warranty / Residential Service Contracts (Systems & Appliances)

Financial & Insurance/Insurance — Motor, Property & Casualty/Warranty & Service Contract / Mechanical Breakdown Insurance

SECONDARYHLAEALAJ

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Multi-line insurance
• Automobile insurance
• Health and life insurance
• Property insurance
• Surety bonds

Headquarters

HQ city

Caracas

HQ country

Venezuela

HQ region

Latin America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Seguros Universitas generates revenue primarily through insurance premiums collected from policyholders across its four insurance lines: Auto (automobile), Personas (health/life/accident), Patrimoniales (property/home/commercial), and Fianzas (surety bonds). Policies are offered in both Bolívares (VES) and US Dollars, with sums insured ranging from $1,000 to $500,000 depending on the product. Premiums are collected on an annual or periodic basis per policy terms.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Seguros Universitas underwrites and distributes a four-line personal and commercial insurance portfolio in Venezuela: Auto (vehicle, towing and inspections), Personas (individual and group health, life, accident, travel, cancer and funeral coverage plus home/medical assistance services), Patrimoniales (home, small-business, fire, theft, liability, electronic equipment, marine/cargo, construction, fidelity and money/securities) and Fianzas (surety bonds for performance, advance, labor, customs, quality and bid purposes). Policies are priced in Venezuelan Bolivares and US Dollars, distributed through licensed intermediaries, online quotation/payment portals, and 13 physical business centers nationwide.

Product overview

Seguros Universitas is a Venezuelan insurance company offering a multi-line product portfolio organized into four main business segments: Auto (automobile insurance with towing and inspection services), Personas (individual and group health, life, accident, travel, and funeral insurance plus 12+ medical/wellness assistance services), Patrimoniales (home, business, and specialty property insurance including fire, theft, marine, fidelity, and construction coverage plus pet/home assistance), and Fianzas (7 types of surety bonds for contracts, labor, customs, and quality). The company operates through 13 physical branch offices nationwide, multiple online portals for policyholders and partners, and provides digital quotation tools. The products are distributed exclusively through licensed insurance intermediaries (Socios Comerciales).

Differentiator

Problem solved

Functional benefit

Products and services

• Póliza de Automóvil Comprehensive automobile insurance covering partial or total losses, with optional crane assistance, nationwide workshop network, and in-situ inspection services for individual vehicle owners and small fleet operators.
• Asistencia en Viajes (Servicio de Grúas) Roadside assistance service providing towing coverage across Venezuela 24/7, with three modalities: single service up to 200km, urban service up to 50km, and unlimited extra-urban service, available to auto policyholders.
• Inspección In Situ Vehicle inspection service where a claims adjuster travels to the customer's home or office; also available at business centers (CDN) or via remote assessment.
• Red de Talleres Nationwide network of authorized repair workshops that source replacement parts and handle insurance-covered vehicle events for auto policyholders.
• Salud Plus Individual Individual health insurance offering hospitalization and surgery coverage with insured sums of $50,000 to $500,000, with optional maternity, dental, ophthalmology, and international travel assistance for individuals.
• Salud Plus Colectivo Group health insurance for groups of 10 or more, covering hospitalization, surgery, maternity, and optional additional services with no waiting periods for initial groups, sold to employers and organizations.
• Accidentes Personales Personal accident insurance covering accidental death, total/permanent disability, and medical expenses (30% of death benefit), with optional coverages and admissibility up to age 65.
• Accidentes Personales Colectivo Group personal accident insurance covering accidental death, total/permanent disability, medical expenses, and civil liability for organized groups and employer-sponsored programs.
• Accidentes Personales Escolares School accident insurance covering medical expenses for illness and accidents, requiring 50% of initial group to be under 25 years old, sold to schools and parents.
• Vida Life insurance covering death from any cause with insured sums adapted to customer needs, for policyholders aged 18-63 with terms from 1 to 25 years.
• Protección Plus Cancer protection insurance providing indemnification upon first diagnosis after 10-month waiting period, covering policyholder, spouse, parents, and children up to age 25.
• Viaje Plus Travel assistance insurance with eventual trip coverage (1-365 days) or annual multi-trip plans, offering sums from $30,000 to $100,000 covering medical assistance, repatriation, trip cancellation, and baggage loss.
• Servicio Funerario Funeral service coverage with insured sums from $1,000 to $5,000, covering preparation, coffin, chapel viewing, cemetery/cremation, legal documentation, and national ground transport.
• Asistencia Médica Domiciliaria (AMD) Home medical assistance providing unlimited telephone medical guidance and up to 4 home visits per policy year by medical team, including emergency transport coordination.
• Atención Primaria de Salud (APS) Primary health care service covering medical consultations, imaging, and laboratory tests prescribed by specialists, deducted from hospitalization and surgery sum insured, available to individual health policyholders.
• Asistencia en Viajes Internacional International travel assistance with emergency support via global hotline, email, WhatsApp, and Skype across multiple countries including Argentina, Brazil, Chile, Colombia, Spain, USA, and others.
• Hogar Universitas Comprehensive home insurance package covering apartments and houses (owned or rented), with fire, earthquake, flood, theft, liability, and home assistance services, based on new replacement value without underinsurance clause, for homeowners and tenants.
• Comercio Universitas Package insurance for small-to-medium businesses covering fire, explosion, hurricanes, theft, civil liability, and business assistance, targeted at offices, restaurants, bakeries, pharmacies, gas stations, and similar small establishments.
• Incendio y Líneas Aliadas Fire and allied lines insurance covering fire, lightning, explosion, smoke, and related perils for residential and commercial property protection.
• Sustracción Ilícita Theft insurance covering unlawful taking of insured property for residential and commercial policyholders.
• Responsabilidad Civil General General civil liability insurance covering legal obligations arising from business or personal activities for individuals and small businesses.
• Equipos Electrónicos Electronic equipment insurance covering computers, servers, and electronic devices against breakdowns and damage for businesses and professionals.
• Todo Riesgo de Montaje Erection all-risk insurance covering losses during installation and assembly of equipment, targeted at industrial and engineering clients.
• Embarcaciones Watercraft insurance covering vessels and associated liability for boat owners.
• Rotura de Maquinarias Machinery breakdown insurance covering sudden and accidental damage to machinery for industrial and commercial operators.
• Todo Riesgo de Construcción Construction all-risk insurance covering losses during construction projects for contractors and developers.
• Fidelidad 3D Fidelity insurance covering dishonest, fraudulent, or irregular acts (Deliberate, Deceitful, Disloyal) by employees, targeted at employers needing employee-dishonesty coverage.
• Dinero y Valores Money and securities insurance covering loss of cash and valuable instruments in transit or on premises for businesses.
• Transporte Marítimo y Aéreo Marine and aviation cargo insurance covering goods during transport by sea or air for importers, exporters and freight forwarders.
• Transporte Terrestre Land cargo insurance covering goods during road transport for shippers and logistics operators.
• Asistencia al Hogar Home assistance service covering plumbing, electricity, locksmith, glass repair, AC repair, and fumigation, accessed via dedicated phone line, typically bundled with home insurance.
• Asistencia a Mascotas Pet assistance service included with home insurance, offering 24/7 veterinary telemedicine, pharmacy delivery, home visits, grooming, and kennel services for pet-owning policyholders.
• Fianza de Fiel Cumplimiento Performance bond guaranteeing fulfillment of contractual obligations including supplies, leases, concessions, services, and environmental bonds, issued to contractors and suppliers.
• Fianza de Anticipo Advance payment bond securing repayment of advance payments if contractual obligations are not fulfilled, for contractors and suppliers.
• Fianza Laboral Labor bond covering employment-related contractual obligations for employers and contractors.
• Fianza Aduanal Customs bond covering temporary admission, cargo consolidation, transit, and customs agency operations, for importers, exporters and customs brokers.
• Fianza de Buena Calidad Quality bond guaranteeing goods or services meet specified quality standards, for suppliers and contractors.
• Fianza de Debida Ejecución Due execution bond guaranteeing proper performance of contracted work, for contractors.
• Fianza de Licitación Bid bond (maintenance of offer) securing bid validity during tender processes for prospective bidders in public and private tenders.

Quantifiable outcome

• 98% of travel assistance (towing/grúa) services completed successfully across the national territory
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Zurich Seguros Venezuela: Venezuelan arm of Zurich Insurance Group, offering multi-line coverage — comparable product set but backed by global capital, reinsurance, and brand recognition.
• Mapfre Venezuela: Subsidiary of Spanish global insurer MAPFRE, offering auto, health, life, and property in Venezuela — a broad incumbent with deeper capital, international reinsurance, and broader portfolio than Universitas.

Emerging players

• Banesco Seguros: Venezuelan insurer affiliated with Banesco Banco Universal, distributing through banking channels — comparable in targeting Venezuelan consumers/SMEs but with a different distribution moat (bank-led).
• Qualitas Controladora (Qualitas México): Latin American auto-focused insurer with growing presence in several regional markets — comparable in auto insurance product depth but with a narrower line focus and different geographic footprint.

Direct peers

• Seguros Caracas: One of the largest Venezuelan multi-line insurers, offering auto, health, life, property, and surety products through agents and direct channels — a directly comparable multi-line peer operating in the same regulatory environment.
• Multinacional de Seguros: Venezuelan insurer providing a multi-line portfolio including auto, property, health, and surety — a direct peer with similar product breadth and intermediary-led distribution.
• La Internacional de Seguros: Venezuelan multi-line insurance carrier offering auto, property, life, health, and bond products through intermediaries — closely comparable in product breadth, distribution model, and target segments.
• Seguros Banvalor: Venezuelan multi-line insurance carrier offering auto, property, life, and surety — directly comparable in product portfolio and SME/consumer focus.
• Constitución (C.A. de Seguros Constitución): Venezuelan insurer with a multi-line offering spanning auto, health, property, and bonds — directly comparable in product mix and SME/consumer focus.

Regional players

• Sura Venezuela: Venezuelan subsidiary of Colombian Grupo Sura (Sura Seguros), offering life, health, and P&C products — a regional player with shared Latin American parent backing and similar target segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/p/CwNYYNku5OG
• Xx.com/seguniversitas
• Facebookfacebook.com/SegurosUniversitas
• LinkedInlinkedin.com/company/seguros-universitas

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Seguros Universitas