Provincia Seguros

What Provincia Seguros does

Provincia Seguros is an Argentine property and casualty insurance company founded in 1993, positioned as the Banco Provincia Group's dedicated insurance arm. The firm operates under SSN registration number 0499 and is headquartered in Tandil with a primary customer-service presence in Buenos Aires. It distributes a broad portfolio across two horizontal segments: personal lines (auto, motorcycle, home, personal accident, rental guarantee, pleasure vessels) and commercial lines (fleet automotive, fire, operational all-risk, SME, comprehensive commerce, civil liability, aviation, theft, surety/bonds, technical, cargo transport, agricultural, life and burial).

The company's technology stack is centered on a multi-channel digital platform: a self-service portal (appsc.provinciaseguros.com.ar/webclientes), an online quote engine for personal lines (cotizadores.provinciaseguros.com.ar), an online request portal for commercial and specialty products (solicitudes.provinciaseguros.com.ar), and mobile applications on both iOS and Android. A dedicated sub-brand, Provy, operates as a parallel digital-first insurance brand (provy.com.ar). Distribution is hybrid: a national network of licensed insurance producers (Productores Asesores de Seguros - PAS) using a dedicated PAS portal, supplemented by direct-to-consumer digital channels and physical attention centers.

Revenue is generated primarily through recurring insurance premiums across the full personal and commercial book, with risk-based, individualized pricing quoted via the online engines or through the PAS network. The firm serves both individuals (primary segment) and small, medium, and large commercial accounts. No revenue, headcount trend, or ownership figures are disclosed in available materials beyond the firmographic band of 11-50 employees and the inferred Banco Provincia Group affiliation.

Name

Provincia Seguros

Legal name

Provincia Seguros

Website

https://provinciaseguros.com.ar

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Provincia Seguros is the Argentine insurance arm of the Banco Provincia Group, offering personal and commercial P&C coverage across 20+ product lines. It distributes through a national PAS broker network, direct digital channels, mobile apps, and physical service centers across Argentina.

Ownership category

akta.pro rank

Headquarters

HQ city

Tandil

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Provincia Seguros generates revenue primarily through insurance premiums paid by policyholders for coverage across personal lines (auto, motorcycle, home, personal accidents, pleasure vessels) and commercial lines (automotive fleets, fire, operational risk, business, civil liability, aviation, theft, bonds/suretyship, technical insurance, cargo transport, agricultural, life, and burial insurance).

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Provincia Seguros underwrites and distributes a broad portfolio of personal and commercial property-and-casualty insurance products through licensed producers (PAS), direct digital channels, and physical atención centers. Core offerings include auto, motorcycle, home, personal accident, rent guarantee, and pleasure vessel insurance for individuals, plus fire, fleet automotive, comprehensive commerce, civil liability, aviation, theft, surety/bonds, technical, cargo transport, agricultural, and life/AP/burial insurance for commercial clients. Pricing is individualized and risk-based, with online quote and self-service portals for end customers and dedicated portals for producer agents.

Product overview

Provincia Seguros is an Argentine insurance company offering a comprehensive portfolio of property and casualty insurance products. The portfolio is organized into two main segments: Personal Lines (Seguros Personas) including Auto, Moto, Hogar, Accidentes Personales, Garantía de Alquiler, and Embarcaciones de Placer; and Commercial Lines (Empresas) including Automotores, Incendio, Todo Riesgo Operativo, Seguro Pyme, Integral Comercio, Responsabilidad Civil, Aeronavegación, Robo, Caución, Seguro Técnico, Transporte de Mercadería, Agro, and Vida, AP y Sepelio. The company also operates Provy as a digital-first sub-brand. Self-service digital tools include Web Clientes portal, Portal PAS for producers, online quoters, and mobile app for iOS and Android.

Differentiator

Problem solved

Functional benefit

Brands

• Provy: Insurance-related service brand referenced on the website

Products and services

• Auto Insurance (Seguro de Auto) Vehicle insurance for cars offered to individual consumers with four coverage tiers (Responsabilidad Civil, Terceros, Terceros Completos, Todo Riesgo), including additional benefits such as 0KM replacement and 24/7 roadside assistance, and coverage in neighboring countries.
• Motorcycle Insurance (Seguro de Moto) Motorcycle insurance for individual consumers with coverage options including Responsabilidad Civil and Terceros Totales, including personal accident coverage and 24/7 assistance.
• Home Insurance (Seguro de Hogar) Home insurance for individual consumers with two plan types: Combinado Familiar Tradicional (flexible sums with optional coverage) and CF Modulado (pre-established sums with fixed coverage), including home assistance services.
• Rent Guarantee Insurance (Seguro de Garantía de Alquiler) Rent guarantee insurance for landlords covering unpaid rent, security deposits, utilities, improper occupation, and expenses up to specified percentages of contract value.
• Pleasure Vessel Insurance (Seguro de Embarcaciones de Placer) Pleasure boat insurance for individual consumers with three tiers (Provinauta 1, 2, and 3) covering total loss, liability, theft, partial damage, and emergency services in the Argentine Delta and Río de la Plata.
• Personal Accident Insurance (Accidentes Personales) Personal accident insurance for individual consumers providing coverage for injuries and related medical expenses, available via the online quote engine.
• Fleet Automotive Insurance (Automotores - Flota) Fleet automotive insurance for commercial clients (business vehicle fleets) with comprehensive coverage options tailored for fleet operators.
• Fire Insurance (Seguro de Incendio) Fire insurance for commercial clients covering buildings, contents, machinery, installations, and merchandise, with additional coverage for civil liability, loss of profit, and natural disasters.
• Operational All-Risk Insurance (Todo Riesgo Operativo) Operational all-risk insurance for commercial clients covering business assets and operations against multiple peril types, designed for businesses seeking broad property and operational coverage.
• Small and Medium Business Insurance (Seguro Pyme) Small and medium business insurance designed for SME needs with tailored coverage options, available via the online request portal (solicitudes.provinciaseguros.com.ar/pyme).
• Comprehensive Business Insurance (Seguro Integral de Comercio) Comprehensive business insurance for commercial clients covering fire, theft, technical risks, civil liability, and cash robbery for both closed and open commerce establishments.
• Civil Liability Insurance (Seguro de Responsabilidad Civil) Civil liability insurance for commercial clients with multiple coverage types including Comprehensive, Educational Establishments, Construction, Garage, and Elevators.
• Aviation Insurance (Seguro de Aeronavegación) Aviation insurance for commercial clients covering aircraft and related operational risks.
• Theft Insurance (Seguro de Robo) Theft insurance for commercial clients covering cash in safe, cash in transit, contents, objects, employee infidelity, card robbery, and protected bags (Bolso Protegido).
• Bond and Guarantee Insurance (Seguro de Caución) Bond and guarantee insurance for commercial clients including customs, contractual, and commercial rental bonds covering execution, advance payments, and maintenance, available via the online request portal (solicitudes.provinciaseguros.com.ar/caucion).
• Technical Insurance (Seguro Técnico) Technical insurance for commercial clients covering contractor equipment, construction all-risk, assembly all-risk, electronic equipment, and machinery breakdown.
• Cargo Transport Insurance (Seguro de Transporte de Mercadería) Cargo transport insurance for commercial clients covering land, air, maritime, and fluvial transport with options for determined vehicles, specific trips, imports/exports, and annual policies.
• Agricultural Insurance (Seguro Agropecuario) Agricultural insurance for commercial clients covering hail, fire, and other farming-related risks for crops and livestock.
• Life, Personal Accident and Burial Insurance (Seguro de Vida, AP y Sepelio) Life, personal accident, and burial insurance for commercial clients and groups, with group certificate support (certificadovida.provinciaseguros.com.ar/PSCERTIFICADOSWEB/).
• Provy Digital-first insurance sub-brand operated as a separate entity at www.provy.com.ar, offering simplified online insurance purchase flows targeting digitally native individual customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Market position

Weaknesses5 records

Competitive moat3 records

Customer concentration

• Xx.com/pseguros
• YouTubeyoutube.com/@provinciaseguross.a9027
• Facebookfacebook.com/pseguros
• LinkedInlinkedin.com/company/provincia-seguros-s-a-
• Instagraminstagram.com/provinciaseguros

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 Provincia Seguros