Seguros Constitución

What Seguros Constitución does

Seguros Constitución, C.A. is a privately held Venezuelan insurance carrier headquartered in Torre Constitución, El Rosal, Caracas, operating under SUDEASEG registration N° 96 since 1988. The company underwrites a multi-line insurance portfolio organized into four pillars: Personal lines (ConstiSalud health, Vida life, Servicio Funerario, Accidentes Personales, Consti Escolar), Automobile (ConstiAuto plus the ConstiPeritaje video-inspection add-on), Property (Consti Hogar, Consti Empresa, Todo Riesgo Industrial, Equipos Electrónicos, Riesgos Especiales, Embarcación, Fidelidad de Empleados Públicos, Responsabilidad Civil General), and Surety/Trust (Fianzas and Fideicomiso). Customers include individual consumers, vehicle owners, residential and commercial property owners, and contractors and public entities requiring surety bonds. The company employs 51–100 people and operates exclusively within Venezuela; no parent, investor, or external capital relationship is disclosed.

Revenue is generated almost entirely through insurance premiums on a subscription-recurring basis, with risk-based individualized pricing delivered via online quote tools (Cotizadores Online) for automobile and health, agent-mediated quotes for the remainder, and digital payment through the ConstiPago portal. Distribution is multi-channel: physical branch offices across Venezuela, a national intermediario agent/advisor network, the Portal de Autogestión self-service portal plus dedicated portals for intermediarios and proveedores, an 0800 call center, and direct online quote-to-purchase flows. Underlying technology is described in functional terms only — the company discloses web-based self-service, online quoting, and video-based inspection, but provides no evidence of a proprietary core insurance platform, APIs, SDKs, or modern data infrastructure.

A defensible point of differentiation is the in-house assistance services network bundled with health and personal lines — dental, ophthalmology, primary medical care, pharmacy, road assistance, home medical, and funeral services — delivered through named partnerships with ASISTANET, Caravana de la Salud, DENTALNET, OFTALMOSCAN/OFTALNET, and NetAsistencia. The company is regulated by SUDEASEG and holds advertising approval No. 14.725, the 2024 product approval SAA-09-0717-2024 for ConstiEmpresa, and the 2025 Defensa del Asegurado approval TVP-2025-0547. Marketing is approved by SUDEASEG and conducted principally through the corporate website, online quote tools, and the branch network.

Name

Seguros Constitución

Legal name

Seguros Constitución, C.A.

Website

https://segurosconstitucion.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

51–100 employees

Short description

Seguros Constitución is a privately held Venezuelan multi-line insurer offering health, life, auto, property, commercial, surety, and trust products to individuals, SMBs, and public entities across Venezuela through branch offices, an intermediario agent network, and digital self-service portals.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAIAEAK

Individual Health Insurance Administration (TPA/ASO)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYHLAEALAJ

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Insurance products
• Health insurance
• Vehicle insurance
• Surety bonds
• Funeral services

Headquarters

HQ city

Caracas

HQ country

Venezuela

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Seguros Constitución generates revenue primarily through collected insurance premiums from policyholders across its various insurance product lines including health, life, vehicle, property, and bonds (fianzas).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Seguros Constitución, C.A. is a Venezuelan insurance company that underwrites and sells a multi-line portfolio of insurance policies — personal lines (health, life, funeral, personal accident, school accident), automobile, property (home, business, industrial all-risk, electronic equipment, special risks, marine, general liability, public employee fidelity bonds), surety bonds, and trust services (Fideicomiso) — complemented by in-house assistance services including dental, ophthalmological, primary medical care, pharmacy, road assistance, funeral services, and home medical assistance, distributed through branch offices, agents, call center, and digital portals nationwide.

Product overview

Seguros Constitución is a Venezuelan insurance company offering a comprehensive portfolio of insurance products organized into four main categories: Personal (Personas), Automobile (Automóvil), Property (Patrimoniales), and Surety (Fianzas). The Personal lines include ConstiSalud (health), Vida (life), Servicio Funerario (funeral), Accidentes Personales (personal accident), and Consti Escolar (school accident). Automobile products feature ConstiAuto (vehicle insurance) and ConstiPeritaje (video inspection). Property insurance encompasses Consti Hogar (home), Consti Empresa (business), Todo Riesgo Industrial (industrial all-risk), Equipos Electrónicos (electronics), Riesgos Especiales (special risks), Embarcación (marine), Fidelidad de Empleados Públicos (employee fidelity bonds), and Responsabilidad Civil General (general liability). The company also offers Fianzas (surety bonds) and Fideicomiso (trust services). Digital infrastructure includes ConstiPago (online payments), online quotation tools (Cotizadores), and a self-service portal for policy management.

Differentiator

Problem solved

Functional benefit

Brands

• ConstiSalud: Health insurance product covering individual and collective health plans
• ConstiAuto
• ConstiPeritaje
• ConstiHogar
• ConstiEmpresa
• ConstiEscolar
• ConstiPago
• ConstiDescargas
• CONSTIMOTO

Products and services

• ConstiSalud (Health Insurance) Health insurance product providing medical coverage for individuals and groups, including access to a network of clinics, medical services, and reimbursement benefits.
• Vida (Life Insurance) Life insurance offering financial protection to beneficiaries in case of the insured's death, available in individual and collective modalities with various coverage structures.
• Servicio Funerario (Funeral Service Insurance) Funeral service insurance that provides coverage for funeral expenses and access to a network of funeral service providers across Venezuela.
• Accidentes Personales (Personal Accident Insurance) Personal accident insurance covering accidental death, dismemberment, and medical expenses resulting from accidents for individuals and groups.
• Consti Escolar (School Accident Insurance) School accident insurance designed for students, providing coverage for accidents that occur during school activities.
• ConstiAuto (Vehicle Insurance) Vehicle insurance product covering casco (full coverage), third-party liability, and total loss scenarios for cars, with multiple coverage options including PT Plus and broad coverage.
• Consti Hogar (Homeowners Insurance) Homeowners insurance covering residential properties against risks such as fire, theft, and other perils included in the combined residential policy.
• Consti Empresa (Commercial Business Insurance) Commercial business insurance providing combined coverage for enterprises against multiple risks including property damage, liability, and business interruptions.
• Todo Riesgo Industrial (Industrial All-Risk Insurance) Industrial all-risk insurance covering manufacturing facilities and industrial operations against a broad range of perils.
• Equipos Electrónicos (Electronic Equipment Insurance) Electronic equipment insurance covering computers, servers, and electronic devices against breakdown, damage, and other specified risks.
• Riesgos Especiales (Special Risks Insurance) Special risk insurance for non-standard or high-hazard coverage needs that fall outside conventional insurance categories.
• Embarcación (Marine Vessel Insurance) Marine vessel insurance covering boats and watercraft against perils at sea and during navigation.
• Fidelidad de Empleados Públicos (Public Employee Fidelity Bond) Public employee fidelity bond protecting government entities against losses from fraudulent or dishonest acts by employees.
• Responsabilidad Civil General (General Liability Insurance) General liability insurance covering legal obligations arising from bodily injury or property damage caused to third parties.
• Fianzas (Surety Bonds) Surety bond products providing financial guarantees for contract fulfillment, judicial requirements, and commercial obligations.
• Fideicomiso (Trust Services) Trust management services providing fiduciary arrangements for asset management and structured financial transactions.
• Asistencia Médica Primaria (Primary Medical Assistance) Primary medical assistance service provided to policyholders through a national network including locations in Caracas, Valencia, Barinas, San Cristóbal, Porlamar, and other cities.
• Asistencia Odontológica (Dental Assistance) Dental assistance service for policyholders, covering clinical examinations, preventive dentistry, periodontics, restorative procedures, oral surgery, and endodontics.
• Asistencia Oftalmológica (Ophthalmological Assistance) Ophthalmological assistance service for policyholders, including visual acuity measurement, refraction examination, fluorescein examination, ocular motility, funduscopy, tonometry, and sensory examination.
• Asistencia Vial (Road Assistance) Road and motor assistance service for policyholders, available through the company's assistance services network.

Segments4 records

Ideal customer profiles4 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.

• ASISTANET, C.A.coreOthersASISTANET provides primary medical care (AMP) services across multiple locations including Caracas, Valencia, Barinas, San Cristóbal, Porlamar, and other cities. It serves as a key primary care provider within the Seguros Constitución medical network.
• Caravana de la SaludcoreOthersCaravana de la Salud provides home medical assistance (AMD) and corporate medical assistance (AME) services 24 hours a day, 365 days a year. They operate a fleet of mobile medical units and can deploy specialized services including dentistry, X-rays, pediatrics, gynecology, occupational medicine, and laboratory services across Venezuela.
• DENTALNET (Dental Services Provider)coreOthersDENTALNET provides dental network services for policyholders, covering clinical examinations, preventive dentistry, periodontics, restorative procedures, oral surgery, and endodontics. Accessed via 0800-3368256.
• OFTALMOSCAN / OFTALNET (Ophthalmology Provider)coreOthersOFTALMOSCAN/OFTALNET provides ophthalmological services including visual acuity measurement, refraction examination, fluorescein examination, ocular motility, funduscopy, tonometry, and sensory examination. Accessed via 0800-3368256.
• NetAsistenciaminorOthersNetAsistencia is referenced as a service provider partner on the assistance services page, alongside other medical service providers for the company's assistance programs.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Seguros Caracas: One of the largest Venezuelan multi-line insurance carriers, offering personal, commercial, and health insurance products nationally. Comparable to Seguros Constitución across nearly all product categories and customer segments within Venezuela.
• Zurich Seguros Venezuela: Venezuelan subsidiary of Zurich Insurance Group offering multi-line personal and commercial insurance products. Competes directly with Seguros Constitución in auto, property, and health insurance.
• Banesco Seguros: Venezuelan insurance carrier within the Banesco financial conglomerate, providing multi-line insurance products. Direct competitor with similar bancassurance-style distribution and national coverage.
• Seguros La Occidental: Venezuelan multi-line insurance company offering personal and commercial coverage including health, auto, and property. Comparable mid-tier competitor operating nationally in Venezuela.
• Mercantil Seguros: Venezuelan insurance carrier affiliated with the Mercantil financial group, offering personal and commercial insurance lines. Overlapping multi-line portfolio and similar Venezuela-only geographic footprint.
• La Internacional de Seguros: Venezuelan insurance carrier providing personal and commercial insurance products across multiple lines. Direct domestic competitor with similar product mix and customer segments.
• Mapfre Venezuela: Venezuelan subsidiary of the Spanish global insurance group MAPFRE, offering multi-line personal and commercial insurance. Direct competitor in the Venezuelan market with overlapping auto, health, and property/casualty products.

Broad incumbents

• SURA (Seguros SURA): Latin American insurance holding operating across multiple countries including Venezuela and broader region. Larger incumbent with broader regional footprint but overlapping insurance and assistance offerings.
• Pan-American Life Insurance Group: Latin American-focused life and health insurance carrier operating across the Americas. Larger regional incumbent in life and health insurance with overlap in the Venezuelan/regional market.

Emerging players

• Dental Network (Latam dental insurance providers): Dental and ophthalmology-focused insurance and assistance providers in Latin America. Comparable in the niche service offerings that Seguros Constitución bundles, but typically smaller and more focused on specific health verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/segurosconstitucionec
• LinkedInlinkedin.com/company/seguros-constitucion-c-a

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 Seguros Constitución