JNS Seguros

What JNS Seguros does

JNS Seguros is a Brazilian insurance company specializing exclusively in Seguro Garantia (Surety Insurance), headquartered in Curitiba, Paraná, and operating as part of the GRUPO JNP conglomerate alongside JNH (Nomaa Hotel), JNC (Idee Incorporadora), and JNA (Agropecuária). Founded in 2018, the company is regulated by SUSEP under process numbers 15414.900946/2018-11 (public plan) and 15414.900947/2018-65 (private plan). The company offers 12 registered modalities covering bidder guarantees (Licitante), construction/supply/service/concession contract execution, advance payment guarantees, payment retention substitution, corrective maintenance guarantees, judicial guarantees, tax execution guarantees, labor appeal guarantees, administrative tax installment guarantees, customs guarantees, and electricity payment guarantees (CUSD/CUST and energy). This breadth positions JNS as a full-spectrum surety carrier in Brazil.

The company's core technology is its proprietary 100% digital Portal do Corretor (Broker Portal), which enables licensed insurance brokers to quote, submit proposals, monitor their portfolios in real-time, and issue policies digitally without intermediaries. Brokers can register borrowers using only CNPJ (Brazilian corporate tax ID) and submit proposals for any value and modality. A complementary Apólice Digital portal enables policy authenticity verification through both JNS systems and SUSEP. The website also references an upcoming management technology product for insurance operations, indicating continued platform investment.

JNS Seguros distributes exclusively through licensed insurance brokers (Corretores Parceiros), consistent with Brazilian insurance law. Revenue is generated through insurance premiums calculated as annual rate multiplied by insured amount and policy validity period, payable in installments. The company operates across all of Brazil and serves companies of any size or sector, with primary use cases in public procurement guarantees, private contract performance, judicial deposits, tax disputes, customs obligations, and energy contracts. Leadership includes Jorge Nacli Neto (President; former VP of Grupo Segurador J Malucelli/Travelers and founder of Paraná Banco), Daniel Bellini (Commercial Director since 2022; 25 years in surety at SBF, Swiss Re, Sul América, Cesce Brasil, and Pottencial), and Fabiana Meira Maia (Legal/Claims Director; surety market since 2009 with SUSEP regulatory experience).

Name

JNS Seguros

Legal name

JNS Seguros

Website

https://jnsseguros.com.br

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

JNS Seguros is a Brazilian SUSEP-regulated surety insurance carrier offering 12 guarantee insurance modalities (bid, contract, judicial, tax, customs, energy) through a 100% digital broker portal, serving companies nationwide via licensed insurance brokers.

Ownership category

akta.pro rank

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Seguro Garantia Premiums: JNS Seguros generates revenue through insurance premiums (prêmio) paid by policyholders (Tomador) for Seguro Garantia policies. The premium is calculated using annual rate multiplied by insured amount and policy validity period. Payment can be made in installments according to company policy.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

JNS Seguros is a Brazilian insurance company that issues Seguro Garantia (Guarantee Insurance / surety bond) policies through a 100% digital broker portal. The company offers 12 distinct modalities covering bid bonds, contract execution guarantees, advance payment guarantees, payment retention, corrective maintenance, judicial guarantees, tax installment guarantees, customs guarantees, and electricity payment guarantees. Policies are intermediated exclusively by licensed insurance brokers (Corretores Parceiros) who use the Portal do Corretor to quote, register, and issue policies digitally in real time.

Product overview

JNS Seguros is a Brazilian insurance company offering a comprehensive portfolio of Guarantee Insurance (Seguro Garantia) products through a 100% digital platform. The product line consists of 12 distinct guarantee insurance modalities covering both public and private sectors: Licitante (bidder guarantee), Construção/Fornecimento/Prestação/Concessão (contract execution), Adiantamento de Pagamentos (advance payment), Retenção de Pagamentos (payment retention), Manutenção Corretiva (corrective maintenance), Garantia Judicial (judicial guarantee), Garantia Judicial para Execução Fiscal (tax execution), Recursal Trabalhista (labor appeal), Parcelamento Administrativo Fiscal (tax installment), Aduaneiro (customs), Pagamento CUSD/CUST, and Pagamento de Energia (energy payment). The offering is complemented by the Portal do Corretor for brokers and an Apólice Digital platform for policy verification.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Grupo JNP (JNP Group)minorOthersJNS Seguros is part of the JNP Group, which also includes JNH (Nomaa Hotel), JNC (Idee Incorporadora), and JNA (Agropecuária). The group operates across hospitality, real estate development, and agribusiness sectors.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Euler Hermes Brasil: Allianz-owned global trade credit and surety insurer with Brazilian operations. Operates broadly in credit/surety insurance and competes with JNS Seguros for judicial and commercial surety business.
• Tokio Marine Seguradora: Large Brazilian multiline insurer with a surety and guarantee insurance line. Operates broadly in Brazilian insurance but offers competing surety products; provides scale-based benchmarking for JNS Seguros.
• Zurich Minas Brasil: Major Brazilian insurer (Zurich group subsidiary) with surety and guarantee underwriting capabilities. Competes with JNS Seguros on larger surety bonds as a broad incumbent rather than a surety specialist.
• HDI Seguros Brasil: Brazilian multiline insurer (HDI/Talanx group) offering surety and guarantee products. Comparable as a broad incumbent with overlapping surety product lines versus JNS Seguros's specialist focus.
• Swiss Re Corporate Solutions (Brasil): Global reinsurer and corporate-solutions provider with significant surety exposure in Brazil. Functions as both potential reinsurance counterparty and competitive reference point for JNS Seguros underwriting capacity.
• Fairfax Brasil (formerly Fairfax do Brasil): Specialty insurer with Brazilian operations covering surety and adjacent lines. Broad incumbent operating in similar Brazilian specialty insurance segments to JNS Seguros.

Direct peers

• Pottencial Seguradora: Brazilian specialty insurer with a strong surety and guarantee insurance franchise. Directly competes with JNS Seguros in Seguro Garantia underwriting; Daniel Bellini (JNS Commercial Director) previously worked here.
• Seguradora Brasileira de Fianças (SBF): Brazilian surety insurance specialist. Directly comparable to JNS Seguros as a focused surety carrier operating in the same modalities; Daniel Bellini previously worked here.
• J Malucelli Seguradora: Brazil's leading surety insurance carrier (formerly partnered with Travelers). Directly comparable to JNS Seguros as a Brazilian surety specialist; JNS CEO Jorge Nacli Neto was previously VP and board member here.
• Cesce Brasil (formerly Áurea Seguros): Brazilian subsidiary of Spanish Cesce, focused on surety and credit insurance. Directly competes with JNS Seguros in surety bond underwriting for public bids and private contracts in Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 JNS Seguros