Insert Seguros

What Insert Seguros does

Insert Seguros is a Brazilian insurance brokerage (corretora de seguros) founded in 2006 in São Paulo and operating as Insert Corretora de Seguros LTDA. The firm specializes exclusively in cargo transport insurance, serving more than 400 small, medium, and large transport operators and shippers across all Brazilian states. Its exclusive commitment to cargo insurance distinguishes it from generalist brokerages; management made the strategic decision in 2012 to focus on this single line after previously offering broader personal and commercial products.

The company distributes four core insurance products: RCTR-C (mandatory road accident insurance for carriers), RCF-DC (optional cargo theft and disappearance insurance), RCTA-C (air cargo insurance), and TN (national transport insurance for cargo owners). Policy issuance is supported by a self-serve web platform that enables online simulation, pricing, and binding, with three tiered plans (Básico, Intermediário, Completo) offering R$600,000 to R$1,000,000 in coverage per trip. The platform integrates with AT&M for automated averbação (cargo declaration) processing, linking CT-e electronic transport documents to insurer systems in real time, and is supplemented by human specialist support via WhatsApp, email, and phone.

Insert Seguros operates a commission-based brokerage model, earning fees on policies placed with six carrier partners (AXA, Essobr, Ezze, Sompo, Tokio Marine, Akad). Pricing is usage-based, calculated on insured cargo value, and the company reports a 32% claims ratio and 3% default rate, both substantially better than the market averages of 55% and 10–15%, respectively. Distribution is direct-to-customer combining self-serve digital with inside sales, primarily targeting small transport operators who typically lack expertise in cargo insurance.

Name

Insert Seguros

Legal name

Insert Corretora de Seguros LTDA

Website

https://insertseguros.com.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Insert Seguros is a Brazilian cargo transport insurance brokerage serving transport operators and shippers nationwide. Founded in 2006 in São Paulo, the company distributes mandatory and optional cargo policies through a self-serve digital platform and direct sales.

Ownership category

akta.pro rank

Product category

Cargo Transport Insurance Brokerage

NAICS

Freight Transportation Arrangement (48851)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Cargo Insurance Placement & Policy Administration (All-Risk, ICC A/B/C) (TLACAHAG)

akta.pro secondary industries

Document Digitization, eDocs & eBL/eAWB Enablement (Platforms/Compliance) (TLACAHAI), Trade Data Management, Audit Trail & Compliance Reporting (TLAEAOAL)

Keywords

• Cargo transport insurance
• Insurance brokerage services
• RCTR-C coverage
• RCF-DC theft insurance
• National transport insurance

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Insert Seguros operates as an insurance broker (corretora de seguros), earning commissions from insurance companies for placing policies. Revenue is generated through successful policy placements and claims handling that results in high indemnification rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Insert Seguros is a specialist cargo transport insurance brokerage that sells RCTR-C (mandatory road accident), RCF-DC (cargo theft), RCTA-C (air cargo), and TN (national transport) policies to transport operators and shippers across Brazil. The company operates a digital quote-and-bind platform for instant policy contracting, supplemented by WhatsApp and email specialist support, and provides ancillary services such as occasional shipment coverage and DDR liability exemption letters.

Product overview

Insert Seguros is a specialist cargo transport insurance broker offering an integrated suite of insurance products exclusively for cargo transport. The core portfolio consists of four main insurance types: RCTR-C (mandatory road accident insurance), RCF-DC (optional cargo theft insurance), RCTA-C (air cargo insurance), and TN (national transport insurance for cargo owners). These are supported by an online quoting platform offering three plan tiers — Básico, Intermediário, and Completo — with escalating coverage limits (R$600K to R$1,000,000 per trip) and add-on services including Embarque Esporádico for occasional high-risk shipments and Carta de DDR for carrier liability exemption.

Differentiator

Problem solved

Functional benefit

Products and services

• RCTR-C – Seguro de Responsabilidade Civil do Transportador Rodoviário de Carga (Seguro de Acidente)
• RCF-DC – Responsabilidade Civil Facultativa do Transportador por Desvio ou Desaparecimento de Carga (Seguro de Roubo)
• RCTA-C – Seguro Aéreo de Carga
• TN – Seguro de Transporte Nacional
• Embarque Esporádico (Cobertura Extra / Pedido de Cobertura Extra)
• Carta de DDR (Dispensa de Direito de Regresso)

Quantifiable outcome

• Claims ratio of 32% over the last 3 years compared to market average of 55%
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Seven partnerships are on record, tiered core.

• AXAcoreOthersInsurance provider partner. Insert Seguros works with AXA as one of the insurance companies offering cargo transport coverage through their brokerage platform.
• EssobrcoreOthersInsurance provider partner. Essobr is one of the insurance companies providing cargo transport insurance products through Insert Seguros brokerage.
• EzzecoreOthersInsurance provider partner. Ezze Seguros is an insurance company offering cargo transport coverage available through Insert Seguros.
• SompocoreOthersInsurance provider partner. Sompo Seguros is one of the insurance companies providing cargo transport insurance products through Insert Seguros brokerage platform.
• Tokio MarinecoreOthersInsurance provider partner. Tokio Marine is one of the insurance companies offering cargo transport coverage through Insert Seguros brokerage.
• AkadcoreOthersInsurance provider partner. Akad Seguros is an insurance company providing cargo transport insurance products available through Insert Seguros.
• AT&McoreTechnology or IntegrationTechnology partner for automated cargo notification (averbação) system integration. AT&M provides the technology platform that integrates CT-e document systems with insurance companies, enabling real-time cargo notifications and policy compliance verification. This is essential for automated and reliable cargo insurance notification processes.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Howden: Specialty insurance broker with strong emerging-markets and LATAM presence, focused on niche and complex risks. Comparable as a specialty broker model targeting underserved segments, similar in spirit to Insert's SMB-transport focus.
• 180 Seguros: Brazilian digital insurance brokerage distributing multiple lines including transport and cargo products through online channels. Comparable as a digital-first broker in Brazil targeting SMB customers, similar GTM to Insert's online cotador model.

Broad incumbents

• Lockton: Largest independent global insurance broker, with growing LATAM operations offering cargo and commercial transport coverage. Comparable as a sizable broker competing in the Brazilian cargo insurance market.
• Aon: Global insurance brokerage with a substantial Brazilian operation, offering cargo and transit insurance alongside a wide risk-management portfolio. Comparable as an incumbent competitor in the same Brazilian cargo insurance market, though Aon serves primarily large enterprises rather than SMB transport operators.
• Marsh: World's largest insurance broker with a meaningful presence in Brazil, providing cargo, marine, and transport insurance to corporate clients. Comparable as a competing brokerage channel for the same pool of Brazilian cargo insurance demand, focused on enterprise rather than SMB operators.
• Porto Seguro: One of Brazil's largest insurance companies and broker-distributors, offering auto, transport, and commercial lines including cargo. Comparable as a broad incumbent that competes for the same Brazilian SMB and corporate cargo insurance customers.

Emerging players

• Justos: Brazilian insurtech using data and digital distribution to disrupt traditional auto and commercial insurance. Comparable as an emerging digital-first player in Brazilian insurance that could eventually extend into cargo and compete with Insert's SMB customers.

Others

• Sompo Seguros: Brazilian subsidiary of Sompo International, a major corporate and specialty insurer with strong cargo and transport capabilities. Comparable as a carrier partner that also distributes cargo insurance directly, representing a potential disintermediation channel for Insert.
• Willis Towers Watson: Global advisory and brokerage firm with Brazilian operations across commercial insurance, including cargo and transit. Comparable as a broader-portfolio broker competing for the same cargo insurance placements Insert serves.
• Tokio Marine: One of Insert's key carrier partners and a major Japanese-Brazilian insurer offering cargo and transport products. Comparable as a direct-to-customer alternative that can disintermediate Insert if it pushes more volume through its own sales channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCr1jvFn5yyAfQX_5nNgr6Dg
• Facebookfacebook.com/insertseguros
• LinkedInlinkedin.com/company/insertsegurosltda
• Instagraminstagram.com/insertseguros
• Xx.com/insert_seguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Insert Seguros