Aseguradora ACSA

What Aseguradora ACSA does

Aseguradora ACSA is a 100% Salvadoran, privately held insurance company founded in 1973 and headquartered at 3104 Alameda Roosevelt, San Salvador, El Salvador. It underwrites and distributes a broad multi-line personal, commercial, and surety product portfolio through its own brands, including ACSAMED Familiar and Empresarial (medical insurance with access to a network of 500+ specialists across 74+ medical centers), ACSACAR (auto coverage with roadside assistance and digital accident inspection), ACSA Hogar Todo Riesgo (home), ACSA Vida and Vida Colectivo (life and group life), ACSA Pass (travel), PSM (personal accident), ACSAPACK Empresarial and ACSA Empresarial Todo Riesgo (commercial packages), Fianzas (surety bonds), and CrediACSA (mortgage lending from $80,000 at interest rates from 7.25% annual). It is regulated by the Superintendencia del Sistema Financiero and carries investment-grade credit ratings from Fitch (AA-), Moody's Local (AA-), AM Best (B++), and Global Venture (AA+).

Name

Aseguradora ACSA

Legal name

Aseguradora ACSA

Website

https://acsa.sv

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

Aseguradora ACSA is a privately held Salvadoran insurance company founded in 1973 that underwrites and distributes multi-line personal, commercial, and surety insurance, plus mortgage lending (CrediACSA), to individuals, families, SMEs, and corporate groups across El Salvador.

Ownership category

akta.pro rank

Headquarters

HQ city

San Salvador

HQ country

El Salvador

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: ACSA generates revenue primarily through insurance premiums collected from policyholders across its portfolio of insurance products including auto, health, life, home, travel, bonds (fianzas), PSM, and credit insurance. Premiums are typically collected on an annual or periodic basis depending on the product.
2. Insurance Premiums - Medical (ACSAMED): Medical insurance premiums for individual, family, and group policies, including ACSAMED Familiar and ACSAMED Empresarial plans. Revenue is recurring based on annual or periodic premium payments.
3. CrediACSA Mortgage Lending: ACSA, through CrediACSA, provides mortgage loans for home purchases (new and used) starting from $80,000 and debt consolidation loans from $60,000, generating revenue from interest payments on financed amounts.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Aseguradora ACSA is a Salvadoran insurance company that underwrites and distributes a comprehensive portfolio of personal and commercial insurance products across El Salvador, including medical (ACSAMED Familiar/Empresarial), vehicle (ACSACAR), home (ACSA Hogar Todo Riesgo), life (ACSA Vida, ACSA Vida Colectivo), travel (ACSA Pass), business (ACSAPACK Empresarial, ACSA Empresarial Todo Riesgo), personal accident (PSM), and surety bond (Fianzas) coverage, alongside CrediACSA mortgage lending services. The company also operates digital claims platforms, a 500+ specialist medical provider network, and authorized automotive repair workshops to deliver service to policyholders.

Product overview

Aseguradora ACSA is an El Salvador-based insurance company with over 50 years of experience offering a comprehensive portfolio of insurance and financial products. The product lineup operates as a multi-product platform organized around three core pillars: personal insurance (medical, vehicle, home, life), business insurance (enterprise packages, bonds, collective policies), and financial services (mortgage lending). Key products include ACSAMED Familiar/Empresarial (medical insurance with access to 500+ specialists), ACSACAR (vehicle coverage with digital inspection features), ACSA Hogar Todo Riesgo (home insurance with natural disaster coverage), ACSA Vida/Vida Diamante/Vida Colectivo (life insurance), ACSA Pass (travel insurance), CrediACSA (mortgage lending), and ACSAPACK/ACSA Empresarial Todo Riesgo (business insurance packages). The company also offers digital services including telemedicine, online quoting, and digital claim processing through its portal ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• ACSAMED: Health insurance product line including ACSAMED Familiar (family health insurance) and ACSAMED Empresarial (business health insurance for groups of 5+ employees).
• ACSACAR
• ACSAPACK Empresarial
• ACSA Vida Diamante
• ACSA Pass
• CrediACSA
• ACSA Hogar Todo Riesgo

Products and services

• ACSAMED Familiar Family/individual medical insurance providing coverage for medical consultations, laboratory exams, hospitalizations, surgeries, maternity, and medications, with access to a network of 500+ specialists across El Salvador.
• ACSACAR Vehicle insurance providing protection for cars and passengers, with roadside assistance, digital accident inspection, and coverage tailored to customer needs.
• ACSA Hogar Todo Riesgo Comprehensive home insurance covering damages to housing and personal belongings against natural disasters, fires, theft, and 24/7 emergency assistance.
• ACSA Vida (including ACSA Vida Diamante) Life insurance offering financial protection for families in the event of death, disability, or accidents, including the ACSA Vida Diamante plan with flexible coverage and competitive premiums.
• ACSA Vida Colectivo Group life insurance policy that insures multiple persons under a single contract, providing coverage for death, accidental death double indemnification, and funeral expenses for employee or member groups.
• ACSAMED Empresarial Business medical insurance for small groups of a minimum of 5 employees, combining medical and life coverage with three tiered plans (Plan 1, Plan 2, Plan 3) and benefits such as no age-based sum reduction and hospital credit.
• CrediACSA Mortgage lending service financing home purchases from $80,000 for new or used properties and debt consolidation from $60,000, with competitive interest rates starting at 7.25% annually and repayment terms up to 30 years.
• ACSA Pass International travel insurance covering baggage loss, medical expenses, accidental death or permanent disability, with 24/7 protection during the policy validity period.
• ACSAPACK Empresarial Business insurance with named-perils coverage for small and medium enterprises, covering fire, robbery, goods-in-transit damage, and occupational accidents.
• ACSA Empresarial Todo Riesgo Comprehensive all-risk business insurance covering physical loss or damage to business assets, excepting specifically excluded perils in the policy conditions.
• Fianzas (Surety Bonds) Surety bond services providing guarantee instruments for various contractual and legal obligations of individuals and businesses.
• PSM (Personal Accident Insurance) Personal accident insurance providing immediate indemnification for injuries caused by accidents to individuals.

Quantifiable outcome

• 500+ medical specialists and 74+ medical centers in the ACSA medical network nationwide
• +3 more outcomes

Named customers2 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

Feature5 records

Partnerships

Twelve partnerships are on record, tiered minor.

• Wendy's El SalvadorminorGTM or Marketing PartnerWendy's El Salvador offers 15% discount to active ACSA policyholders on combos, salads, and breakfast items priced at $3.99 or above. Discount excludes certain items and does not apply with other promotions.
• The Coffee CupminorGTM or Marketing PartnerThe Coffee Cup provides 10% discount to active ACSA insured on all cold and hot coffee beverages, applicable for cash payments or The Coffee Cup Card only.
• Elsy's CakeminorGTM or Marketing PartnerElsy's Cake offers 10% discount on credit/debit card payments and 15% discount on cash payments for traditional, decorated cakes, and dessert tables to active ACSA insured.
• Onlife PharmacyminorGTM or Marketing PartnerOnlife pharmacy grants 15% discount on all medications to active ACSA policyholders. Applies to credit, debit, and cash payments.
• Farmacias CamilaminorGTM or Marketing PartnerFarmacias Camila offers 10% discount on medications (excluding controlled drugs and infant formulas), 10% on library items, and 20% on women's accessories and gifts to ACSA policyholders.
• Hospital de Especialidades Nuestra Señora de la PazminorGTM or Marketing PartnerHospital NSR de la Paz provides 15% discount on clinical laboratory, 15% on X-rays and ultrasounds, 10% on CT scans, and 10% on MRI (RESOMED) to ACSA insured.
• Óptica La JoyaminorGTM or Marketing PartnerÓptica La Joya offers 20% discount on frames plus lenses (ophthalmic or sunglasses with or without prescription) to ACSA policyholders, applicable with any payment method upon presentation of insurance card.
• Hospital CáderminorGTM or Marketing PartnerHospital Cáder provides 10% discount on hospitalization, 50% discount on ambulance services and emergency consultations, and 10% discount on radiology and clinical laboratory services to ACSA insured.
• EconopartsminorGTM or Marketing PartnerEconoparts offers 25% discount on auto parts, lubricants, and batteries (excluding tires) to ACSA policyholders, with free home delivery in Econoparts service areas and zero-rate financing through Banco Agrícola, Citi, and BAC.
• Farmacia La BuenaminorGTM or Marketing PartnerFarmacia La Buena provides 15% discount on national laboratory medications, 20% on Meditech, Argus, and La Santé products, 15% on toy purchases, and 10% on convenience and baby care items to ACSA insured, with free home delivery in metropolitan San Salvador and urban San Miguel and Santa Ana.
• El GráficominorGTM or Marketing PartnerEl Gráfico offers 2 months free subscription (pay for 12 months, receive 14) to active ACSA policyholders.
• La Prensa GráficaminorGTM or Marketing PartnerLa Prensa Gráfica provides media subscription benefits to active ACSA policyholders.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pan-American Life Insurance Group (PALIG): U.S.-headquartered life and health insurer with a strong Central American footprint, including El Salvador. Directly comparable to ACSA's ACSAMED and ACSA Vida product lines and group health capabilities.
• Seguros SURA: Latin American multi-line insurer with presence in Central America offering personal and commercial insurance, including health, auto, life, and surety. Closely comparable business model and product mix to ACSA's full multi-line offering.
• SISA Vida: El Salvador-based life and health insurer targeting individual and group segments. Directly competes with ACSA in ACSAMED Familiar and ACSAMED Empresarial and in the life insurance category.
• ASSA Compañía de Seguros: Panama-headquartered multi-line insurer operating across Central America (including El Salvador) with personal, commercial, and surety products. Most direct multi-line regional comparable to ACSA's product breadth and Central American focus.
• Mapfre El Salvador: Local subsidiary of Spanish global insurer Mapfre, offering auto, health, life, home, and commercial insurance in El Salvador. Directly competes with ACSA across essentially the same product lines with deeper capital and global reinsurance access.

Regional players

• Aseguradora Mundial: Dominican Republic-based multi-line insurer operating across the Caribbean and Central America. Comparable multi-line product mix (auto, health, life, commercial, surety) but primarily serves non-El Salvador territories.
• Seguros G&T Continental: Guatemala-headquartered multi-line insurance group with Central American reach, including El Salvador. Comparable multi-line offering (auto, life, health, commercial, surety) but anchored in Guatemala rather than El Salvador.

Broad incumbents

• Zurich Insurance (El Salvador / Central America): Global multi-line insurer with Central American presence competing for larger commercial and surety accounts in El Salvador. Overlaps with ACSA on commercial property and Fianzas products but offers a much broader global portfolio.
• MetLife El Salvador: Local subsidiary of global life and group benefits giant MetLife. Overlaps with ACSA on life and group health products but does not specialize in El Salvador retail auto, home, or commercial lines where ACSA competes.

Others

• BAC Credomatic (Insurance Division): Central American financial services conglomerate with bancassurance distribution. Not a direct insurance peer but represents an adjacent channel competitor that can disintermediate traditional carriers like ACSA through embedded bank-distributed insurance products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/aseguradoraacsa
• Facebookfacebook.com/AseguradoraACSA
• LinkedInlinkedin.com/company/aseguradora-acsa
• Instagraminstagram.com/aseguradora_acsa
• TikToktiktok.com/@aseguradora_acsa

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Aseguradora ACSA