Seguros Equidad

What Seguros Equidad does

Seguros Equidad (legal name: EQUIDAD Compañía de Seguros S.A.) is a privately held Honduran insurance company headquartered in Tegucigalpa and regulated by the Comisión Nacional de Bancos y Seguros (CNBS). The company operates two core product lines — Seguros de Vida (life insurance) and Seguros de Daños (property/damage insurance) — and offers eleven specialized sub-products covering fire and lightning, residential property, money and securities with employee fidelity, electronic equipment, business interruption, vehicles, transport, debit card protection, surety bonds, and machinery and equipment. It serves a broad base of individual policyholders, organized community groups (NGOs, rural savings banks, communal banks, associations, patronatos), cooperatives and MIPYMEs, and public and private institutions across Honduras.

The company runs a multi-channel distribution model: six physical offices (Tegucigalpa HQ, San Pedro Sula regional, plus agencies in La Ceiba, Choluteca, Santa Rosa de Copán, and a service point in Siguatepeque), a contact center reached via PBX, and a website-based quoting tool ('COTIZA AQUÍ TU SEGURO') that captures lead forms. The technology layer is a conventional insurance platform handling policy issuance, claims processing, and financial user management, complemented by a Customer Financial User Service System aligned with CNBS regulations, and online claim submission plus a published directory of partner hospitals, pharmacies, and laboratories. Risk-bearing capacity is supported by a stated network of reinsurers.

Revenue is generated primarily through insurance premiums, with quote-based pricing, annual billing cadence, and a subscription-like recurring revenue structure across the policy book. Marketing relies on the corporate website, a Centro de Aprendizaje (Learning Center) producing insurance education and financial literacy content, active social media profiles (Facebook, Instagram, YouTube), and event sponsorships such as Expo Producción 2025. The most recent strategic activity is the September 2025 inauguration of a Santa Rosa de Copán agency. No revenue, headcount, funding, or detailed financial statements are publicly disclosed.

Name

Seguros Equidad

Legal name

EQUIDAD Compañía de Seguros S.A.

Website

https://segurosequidad.hn

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Short description

Seguros Equidad is a privately held, CNBS-regulated Honduran insurer offering life and property/damage insurance products across six Honduran cities to individuals, SMEs, community organizations, and institutions.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industry

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

Keywords

• Insurance services
• Life insurance
• Property insurance
• Vehicle insurance
• Surety bonds

Headquarters

HQ city

Tegucigalpa

HQ country

Honduras

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Seguros Equidad generates revenue through insurance premiums paid by policyholders for life insurance and property/damage insurance coverage. Premiums are the primary cost of insurance coverage transferred from the insured to the company during a defined policy period.

Pricing tiers

Distribution channels3 records

Marketing channels6 records

Core offering

Seguros Equidad is a Honduras-based insurance carrier selling two main lines of coverage: Seguros de Vida (life insurance) and Seguros de Daños (damage/property insurance). The damage line is broken into specialized sub-products covering fire, home protection, vehicle, transport, electronic equipment, machinery, money/values, employee fidelity, debit card protection, surety bonds, and business interruption. Coverage is sold to individuals, families, organized community groups (ONGs, communal banks, associations, patronatos), enterprises, cooperatives, MIPYMES, and public/private institutions across Honduras.

Product overview

Seguros Equidad operates as a Honduras-based insurance company offering two core product lines: Seguros de Vida (Life Insurance) and Seguros de Daños (Damage/Property Insurance). The Life Insurance portfolio covers death, illness, and accident risks for individuals and families. The Damage Insurance portfolio includes eleven specialized sub-products: Seguro Contra Incendio y/o Rayo, Seguro Protección Vivienda, Seguro Dinero Valores y Fidelidad Laboral, Seguro Equipo Electrónico, Seguro Incendio Protección Negocio, Seguro de Vehículo, Seguro de Transporte, Seguro de Protección Tarjeta de Débito, Seguro de Fianzas, and Seguro de Maquinaria y Equipo. These products serve individual clients, organized groups (ONGs, Credit Unions, Community Banks, Associations), public and private institutions, enterprises, cooperatives, and MIPYMES throughout Honduras.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguros de Vida (Life Insurance) Life insurance products providing financial protection for individuals and families against death, illness, accidents, and other life-related risks.
• Seguros de Daños (Damage/Property Insurance) Damage/property insurance product line covering losses from fire, vehicle accidents, theft, machinery breakdown, transport, electronic equipment, and other property-related risks for individuals, businesses, and organizations. Encompasses multiple specialized sub-products.
• Seguro Contra Incendio y/o Rayo (Fire and Lightning Insurance) Coverage for damages to property caused by fire, impact of lightning, and related perils.
• Seguro Protección Vivienda (Home Protection Insurance) Home protection insurance designed to safeguard residential properties against covered risks.
• Seguro Dinero, Valores y Fidelidad Laboral Coverage for money, securities, and employee fidelity/bonding to protect businesses from employee dishonesty losses.
• Seguro Equipo Electrónico (Electronic Equipment Insurance) Coverage for repair or replacement costs for damaged computers, office equipment, and electronic devices.
• Seguro Incendio Protección Negocio (Fire Business Protection Insurance) Fire coverage combined with business interruption protection for commercial properties.
• Seguro de Vehículo (Vehicle Insurance) Coverage for damages, theft, and liability for automobiles and other vehicles.
• Seguro de Transporte (Transport Insurance) Coverage for goods and cargo during transit by various means of transportation.
• Seguro de Protección Tarjeta de Débito (Debit Card Protection Insurance) Coverage against unauthorized transactions and fraud related to debit cards.
• Seguro de Fianzas (Surety Bond Insurance) Surety guarantees for contract fulfillment, judicial matters, and commercial obligations.
• Seguro de Maquinaria y Equipo (Machinery and Equipment Insurance) Coverage for breakdowns, damages from external causes, and operational risks for industrial machinery.
• Group Insurance for Organized Groups (ONGs, Rural Boxes, Communal Banks, Associations, Patronatos) Group insurance products for organized groups including coverage for collective assets, employees, and operations of community-based organizations.

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Reinsurance Network (Reaseguradores)coreOthersSeguros Equidad maintains a network of reinsurers (reaseguradores) as part of its risk management strategy. This network is listed under the company's 'RED DE ASEGURADORES' (Insurer Network) section, indicating reinsurance partners that provide capacity and risk-sharing for the company's insurance portfolio.
• Network of Hospitals and PharmaciescoreOthersSeguros Equidad maintains a provider network of hospitals, pharmacies, and laboratories that serve policyholders with health-related insurance coverage. The company publishes PDF directories of these provider networks for its insurance customers.

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Direct peers

• Seguros Atlántida: Honduran multi-line insurer (life and P&C) anchored to Grupo Financiero Atlántida; directly comparable because it operates in the same country, same regulatory regime (CNBS), serves individuals and enterprises, and competes head-to-head for the same organized-group and commercial accounts as Seguros Equidad.
• MAPFRE Honduras: Subsidiary of global Spanish insurer MAPFRE writing life and P&C business in Honduras with similar product breadth (vehicle, fire, life, commercial); directly comparable given overlapping product portfolio, target segments (individuals, SMEs), and CNBS-regulated distribution model.
• Seguros del Caribe: Honduran-domiciled multi-line insurer offering life and general insurance products to individuals and businesses; comparable due to similar domestic focus, same CNBS regulatory oversight, and overlapping product suite (vehicle, fire, life, commercial).
• Seguros Sura Honduras: Honduran affiliate of Sura writing life and general insurance with strong emphasis on group and corporate lines; comparable because it serves overlapping customer segments (organizations, SMEs, individuals) under the same CNBS framework and competes for the same risk pool.
• ASSA Compañía de Seguros Honduras: Panama-headquartered insurer with Honduras operations offering life and P&C products; directly comparable due to shared Central American regulatory environment, multi-line product portfolio, and competing for the same corporate and group insurance accounts as Seguros Equidad.
• Ficohsa Seguros (Grupo Ficohsa): Captive insurance arm of Honduran financial group Ficohsa, offering life and P&C products distributed through the parent's banking channel; comparable because it competes in the same domestic market under CNBS regulation, with overlapping bancassurance-led distribution targeting individuals and SMEs.

Broad incumbents

• Seguros Bolívar: Colombian broad-line insurer with Central American reach and a multi-line product suite (life, P&C, surety); comparable because of portfolio breadth and target segments (individuals, SMEs), though primarily Colombian-domiciled and operating at materially greater scale than Seguros Equidad.

Regional players

• Pan-American Life Insurance Group (PALIG): U.S.-headquartered life and health insurer with a strong Central American footprint including Honduras; comparable as a regional life/health carrier operating under similar regulatory regimes, but competes primarily in the life and health segment rather than the full P&C suite Equidad offers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCG_H9s418GOUew-dDXZ2Kuw
• Facebookfacebook.com/SegurosEquidadHN
• Instagraminstagram.com/segurosequidadhn

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 Seguros Equidad