Insurance Broker Action

What Insurance Broker Action does

Ação Corretora de Seguros (doing business as Insurance Broker Action) is a Brazilian insurance brokerage founded in 1992 and headquartered in Curitiba, Paraná. The firm operates as an intermediary connecting individual and corporate clients with a curated panel of nine major insurers — Allianz, Bradesco, Porto Seguro, Tokio Marine, Zurich, Mapfre, Chubb, AXA, and Sompo — across seven core product categories: national and international transport (cargo and carrier liability), property and civil liability (including D&O, cyber, environmental, employer, and professional liability), life/health/pension, residential, automobile and fleet, condominium, and engineering/guarantee. The company reports protecting R$13.7 billion in client assets annually with a stated vision of R$20 billion by 2025, and operates nationwide despite a single-office footprint.

The business model is traditional brokerage commission revenue: the firm earns transaction fees (a percentage of premiums) on policies placed and renewed with carrier partners, with pricing fully quote-based and not publicly disclosed. Go-to-market is sales-led and consultative, delivered through partner-directors and specialized departments covering each line, a dedicated claims regulation department, and a customer relationship management function. Customer acquisition combines in-person and remote consultation (phone, email, website contact forms), plus top-of-funnel presence via Instagram, Facebook, LinkedIn, and an educational blog. The book spans individual consumers (auto, home, life, health) and enterprise clients across logistics, manufacturing, foreign trade, aviation, healthcare, legal, condominium management, and food service.

The underlying technology stack is not disclosed; the firm runs no public API, no mobile app, no proprietary quoting platform, and has no patents or registered trademarks in the source data. The company is privately held by its founding partners with no disclosed external investment, funding rounds, or M&A activity, and is LGPD-compliant via a contracted Data Protection Officer (GEP Soluções em Compliance).

Name

Insurance Broker Action

Legal name

Ação Administradora e Corretora de Seguros LTDA

Website

https://acaoseguros.com.br

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Ação Corretora de Seguros is a Curitiba-based Brazilian insurance brokerage founded in 1992, connecting individual and corporate clients with leading insurers across transport, property, health, auto, and other coverage lines.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Cargo transport insurance
• Corporate property insurance
• Life and health plans
• Automobile fleet insurance

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: Traditional insurance brokerage revenue model where the company earns commissions from insurance companies for policies sold and managed. They provide insurance intermediary services connecting clients with insurance providers, receiving compensation typically as a percentage of policy premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Insurance Broker Action is a Brazilian insurance brokerage that intermediates between clients and multiple partner insurance companies to deliver tailored coverage solutions across seven product categories: transport (national and international cargo), property and civil liability, life/health/pension plans, residential, auto and fleet, condominium, and engineering/guarantee insurance. The firm serves both individual consumers and corporate clients throughout Brazil, offering personalized consultation, dedicated claims management, and customer relationship services through specialized internal departments.

Product overview

Ação Corretora de Seguros is an established Brazilian insurance broker founded in 1992, headquartered in Curitiba, offering a comprehensive portfolio of insurance products and services. The company operates as a broker intermediary connecting customers with partner insurance companies (such as Allianz, Bradesco, Porto Seguro, Tokio Marine, Zurich, Mapfre, Chubb, and others) to provide tailored coverage solutions. The product portfolio spans seven core insurance categories: Transport Insurance (national and international cargo coverage), Property and Civil Liability Insurance (for businesses), Life/Health/Pension Plans (for individuals and corporate benefits management), Residential Insurance (home coverage), Automobile and Fleet Insurance (vehicle coverage), Condominium Insurance (mandatory building insurance), and Engineering/Guarantee Insurance (construction risks and contractual guarantees). The company serves individuals, small-to-large enterprises, and multinational corporations across Brazil, managing over R$13.7 billion in client assets. All products are delivered through specialized departments with dedicated claims handling and customer relationship management.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguros de Transportes (Transport Insurance) National and international cargo transport insurance covering goods in transit via air, sea, road, rail, or multimodal transport. Protects both shippers (cargo owners) and carriers with policies including RCTR-VI-C, RCF-DC, RCTF-C, RCTA-C, RCA-C, and RCTR-C. Designed for shippers, importers/exporters, and transport operators across Brazil.
• Seguros Patrimoniais e de Responsabilidade Civil (Property and Civil Liability Insurance) Comprehensive business insurance covering physical assets, equipment, and inventory, alongside liability coverage types including RC Products, RC Ambiental, RC Empregador, RC Crimes Cibernéticos, RC D&O, RC Profissional, and RC Obras. Designed for businesses of all sizes seeking asset and liability protection.
• Vida, Saúde e Previdência (Life, Health and Pension Plans) Personal insurance products including life insurance, health plans, and private pension plans. Protects families and businesses against death, accidents, serious illness, and provides retirement planning support. Suitable for individual consumers and corporate employee benefits programs.
• Seguros Residenciais (Residential Insurance) Home insurance covering fire, lightning, explosion, windstorm, hail, smoke, hurricane, tornado, flood, burglary, water damage, electrical damage, glass breakage, and personal liability, including 24-hour assistance services such as locksmith, plumber, and electrician. Designed for Brazilian homeowners and residents.
• Seguros de Automóveis e Frotas (Automobile and Fleet Insurance) Vehicle insurance for individual cars and corporate fleets offering collision, fire, theft, third-party liability, 24-hour assistance, rental car coverage, windshield protection, and accident passenger coverage. Serves both individual drivers and corporate fleet operators.
• Seguros de Condomínios (Condominium Insurance) Mandatory insurance for condominiums covering fire, lightning, explosion, windstorm, glass breakage, electrical damage, civil liability, theft, and automatic gates as required by Brazilian Civil Code Article 1,346. Designed for residential, commercial, and mixed-use condominium buildings.
• Seguros de Engenharia e Garantia (Engineering and Guarantee Insurance) Engineering risk insurance covering construction projects, installation, and machinery during execution and testing phases, plus guarantee insurance (Seguro de Garantia) as an alternative to bank guarantees for public contracts and private enterprises. Designed for developers, construction companies, contractors, and property owners.

Quantifiable outcome

• R$13.7 billion in client assets protected annually
• +2 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Allianz InsurancecoreOthersMajor international insurance company providing auto, residence, and comprehensive insurance products. Action Corretora offers Allianz products as part of their insurance portfolio, with 24-hour assistance hotline provided.
• Bradesco SeguroscoreOthersOne of Brazil's largest insurance groups, offering auto, life, and comprehensive coverage. Listed in the company's 24-hour assistance network for policyholders.
• Porto SegurocoreOthersLeading Brazilian insurance company providing auto, fleet, and comprehensive insurance solutions. Featured in the company's assistance network with dedicated contact numbers.
• Tokio MarinecoreOthersMajor Japanese insurance group operating in Brazil with comprehensive coverage options. Available through the company's assistance network.
• Zurich Insurance GroupcoreOthersGlobal Swiss insurance provider offering various insurance products through the company's portfolio. Contact numbers provided for claims and assistance.
• MapfrecoreOthersSpanish insurance group operating extensively in Latin America, providing auto and comprehensive coverage. Included in assistance network.
• ChubbcoreOthersGlobal insurance specialist offering commercial and personal insurance products. Available through the company's network for specialized coverage needs.
• AXAcoreOthersInternational insurance giant providing comprehensive coverage options. Part of the 24-hour assistance network.
• Sompo SeguroscoreOthersJapanese insurance company operating in Brazil with various commercial and personal insurance products.
• GEP Soluções em ComplianceminorOthersCompliance solutions provider serving as the company's Data Protection Officer (DPO). Responsible for LGPD compliance and data privacy management. Contact: Maurício José Ribeiro Rotta.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Lockton Brasil: Brazilian arm of Lockton, the world's largest independent insurance brokerage. Comparable as a multi-line commercial broker focusing on enterprise and specialty risks, with similar emphasis on dedicated client service.
• Marsh Brasil: Brazilian operations of Marsh McLennan, a global insurance brokerage and risk advisory leader. Comparable as a multi-line broker placing commercial, transport, and corporate insurance, with broader portfolio and deeper enterprise focus.
• Aon Brasil: Brazilian arm of Aon, one of the world's largest insurance and reinsurance brokers. Directly comparable as a multi-line insurance brokerage serving enterprise clients across commercial and specialty lines in Brazil, but at vastly larger scale.
• Willis Towers Watson Brasil: Brazilian presence of WTW, a global advisory and brokerage firm offering insurance, risk management, and benefits consulting. Comparable as an enterprise-focused multi-line insurance intermediary serving corporate Brazil.

Direct peers

• Justus Corretora: Brazilian independent insurance brokerage serving corporate and individual clients with multi-line offerings. Closely comparable in business model — human-led brokerage, multi-carrier access, mix of personal and commercial lines — at a similar scale.

Emerging players

• 180 Seguros: Brazilian digital-first insurance broker focused on auto and personal lines. Comparable in product overlap (auto, residential, life) but differentiated by a digital distribution model — represents the competitive threat Ação faces.
• Minuto Seguros: Brazilian insurtech broker specializing in auto and personal insurance via digital channels. Comparable in product mix (auto and personal lines) but competing via a tech-led, low-cost distribution model rather than human advisory.
• Bidu Corretora de Seguros: Brazilian digital insurance comparison and brokerage platform offering auto, life, and personal insurance online. Comparable in product coverage of personal lines, with a digital-first GTM that contrasts with Ação's consultancy model.
• Compare Seguro: Brazilian online insurance comparison platform for auto, residential, and life insurance. Comparable in personal lines coverage but competes on price transparency rather than advisory relationship — represents the digital commoditization pressure on traditional brokers.

Others

• Zurich Brasil: Brazilian arm of Zurich Insurance Group, one of Ação's carrier partners. Listed as an 'Others' peer because, while it is one of Ação's core supply-side partners, it is also a competitor in direct corporate insurance distribution in Brazil.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ACAOSEGUROS
• LinkedInlinkedin.com/company/acaoseguros
• Instagraminstagram.com/acaoseguros/?hl=pt-br

Compliance1 record

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 Insurance Broker Action