Ernesto Sanchez

What Ernesto Sanchez does

Ernesto Sánchez C. y Cía. Ltda., operating under the EsSeguro brand, is a privately-held Colombian insurance brokerage agency (Ltda. structure) with more than 35 years of continuous operation. The firm distributes insurance products as an independent intermediary for major Colombian carriers including Sura, Allianz, Seguros Bolívar, and Liberty, and is headquartered at Calle 18 Sur No. 35-122 in Medellín with a secondary office in Calarcá, Quindío.

EsSeguro's product portfolio spans personal lines (health/medical, life, home, auto and motorcycle, bicycle, education, bank credit life, travel, and SOAT) and business lines (multi-risk business, group/collective policies, transport, and civil liability). The technology layer is a web-based brokerage platform at esseguro.co that supports a 3-step online quote request process, digital inquiry forms, and customer management, supplemented by WhatsApp, phone, and direct advisor consultations. Marketing channels include content marketing via blog, organic social (Facebook, Instagram, YouTube), WhatsApp, and email newsletter.

The business model is commission-based: EsSeguro earns recurring commissions from carrier partners for policies sold and renewed through both digital self-service and human advisory channels. Customers are segmented horizontally into individual/personal clients, business/enterprise clients (including micro, small, and mid-sized companies), and collective/group clients (institutions, unions, schools, universities), with service quoted individually rather than via standardized tiers and billed annually. Geographic coverage is domestic Colombian, with presence across at least eight departments including Antioquia, Quindío, Bogotá, Valle del Cauca, Santander, Risaralda, Meta, and Cundinamarca.

Name

Ernesto Sanchez

Legal name

Ernesto Sánchez C. y Cía. Ltda.

Website

https://esseguro.co

Company type

Private

Operating status

Operating

Short description

EsSeguro, operated by Ernesto Sánchez C. y Cía. Ltda., is a Colombian insurance brokerage with 35+ years distributing personal, business, and group policies from Sura, Allianz, Bolívar, and Liberty to individuals, SMEs, and institutions across Colombia.

Ownership category

akta.pro rank

Headquarters

HQ city

Calarcá

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Insurance Brokerage Commissions: As an insurance agency/brokerage, EsSeguro earns commissions from insurance carrier partners (Sura, Allianz, Bolívar, Liberty) for policies sold and renewed. They present personalized insurance proposals constructed from analyzing client context to minimize risk impacts and maintain stable patrimony and quality of life.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

No source-attributed description of the company's core offering was provided in the input.

Product overview

EsSeguro is an insurance agency (agencia de seguros) operated by Ernesto Sánchez C. y Cía. Ltda., with over 35 years of experience representing major Colombian insurance companies including Sura, Allianz, Bolívar, and Liberty. The company offers a comprehensive portfolio of personal insurance products (Salud, Vida, Hogar, Vehículos, Bicicletas, Educación, Viajes, Crédito Bancario) and business insurance solutions (Multirriesgo Empresarial, Pólizas Colectivas, Transporte, Responsabilidad Civil). Their digital platform enables customers to obtain quotes, request information, and manage their insurance needs online.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Protected patrimony and quality of life against unforeseen events

Named customers5 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Sura (Seguros Sura)coreChannel Partner/ Reseller/ DistributorSura is one of the principal insurance carriers in Colombia. EsSeguro acts as a distributor/advisor for Sura insurance products including health policies, life insurance, complementary health plans (PAC), and travel insurance.
• Allianz ColombiacoreChannel Partner/ Reseller/ DistributorAllianz is a major international insurance carrier partnered with EsSeguro. They offer home insurance, life insurance, and other property/casualty products through EsSeguro as advisor/distributor.
• Seguros BolívarcoreChannel Partner/ Reseller/ DistributorSeguros Bolívar is a principal Colombian insurance company. EsSeguro distributes their insurance products including home insurance and bicycle insurance.
• Liberty SeguroscoreChannel Partner/ Reseller/ DistributorLiberty Colombia is an insurance carrier partnered with EsSeguro for distributing various insurance products including home and vehicle coverage.
• SegurexpominorChannel Partner/ Reseller/ DistributorSegurexpo is a partner entity visible in EsSeguro's logo section, representing an additional insurance industry connection or referral channel.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Lockton Colombia: Independent global insurance brokerage with Colombian operations. Comparable in serving personal and commercial insurance distribution needs, but skewed more toward mid-market and large corporate clients than EsSeguro's SME/individual focus.
• Aon Colombia: Global insurance brokerage and risk advisory with a Colombian practice. Highly comparable as a multi-carrier insurance intermediary serving both personal and commercial lines, but operating at significantly larger scale and a broader portfolio.
• Willis Towers Watson (WTW) Colombia: Global advisory, brokerage, and solutions firm with a Colombian insurance brokerage presence. Comparable as a multi-carrier broker serving both corporate and individual clients, but with much broader consulting and analytics offerings.
• Marsh Colombia: Major global insurance broker and risk advisor present in Colombia. Directly comparable as an insurance intermediary representing multiple carriers, with stronger commercial and large-enterprise orientation than EsSeguro.

Direct peers

• SBS Seguros Colombia: Colombian insurance brokerage representing multiple carriers for personal and commercial lines. Closely comparable as a domestic multi-carrier broker with similar product breadth (auto, home, life, health) and direct competition for the same SME/individual segment.

Emerging players

• ComparaSana: Colombian insurance comparison platform that aggregates quotes from multiple carriers. Comparable in being a digital multi-carrier intermediation channel for Colombian insurance buyers, representing a structural threat to traditional broker commissions if customers self-serve.
• Sami (Colombian health insurtech): Colombian digital health insurance startup offering health plans through a direct-to-consumer platform. Comparable because it competes for the same Colombian health-insurance customer, but bypasses traditional brokers via a tech-first distribution model that threatens EsSeguro's health-line commissions.

Others

• Seguros Bolívar (agent network): Major Colombian insurer that is also one of EsSeguro's distribution partners. Included as a peer because its captive agent network competes for the same individual and SME customers, and any shift to direct distribution would affect EsSeguro's commission stream from this partnership.
• Seguros Sura (agent network): One of the largest Colombian insurers and another core distribution partner of EsSeguro. Comparable as a competing distribution channel for health, life, and auto insurance in Colombia; its direct sales push directly affects EsSeguro's intermediation economics.

Regional players

• Aseguradora Solidaria (Aseguradora Solidaria de Colombia): Colombian insurer and insurance group with brokerage-like distribution channels across personal and commercial lines. Comparable through overlapping distribution and target customers, though operating more on the carrier side than as a pure intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/esseguro.co
• Facebookfacebook.com/esseguro.co

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 Ernesto Sanchez