Humberto Donato Insurance

Name

Humberto Donato Insurance

Legal name

Humberto Donato Insurance Inc.

Website

https://donatoinsurance.com

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

General Liability Insurance (FSAJAMAE), Personal Umbrella Insurance (FSAJANAA), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Personal insurance lines
• Commercial insurance lines
• Specialized insurance coverage
• Insurance premium financing
• Multi-line policy bundling

Headquarters

HQ city

Guaynabo

HQ country

Puerto Rico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: The company earns commissions as an authorized representative of insurance companies for placing policies across personal lines, business lines, and specialized insurance products.
2. Premium Financing (HD Finance): Department offering insurance premium financing allows customers to distribute annual premiums into monthly or quarterly payments for auto policies and personal packages.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Humberto Donato Insurance is a Puerto Rico-based insurance agency that places personal, commercial, and specialized insurance policies on behalf of multiple carrier partners. The agency also offers premium financing through its HD Finance department, allowing clients to distribute annual premiums into monthly or quarterly payments, and bundles multiple risks under a single Multi-Line Policy contract.

Product overview

Humberto Donato Insurance is a Puerto Rican insurance agency offering a comprehensive portfolio of insurance products organized into Personal Lines Policies, Business Lines Policies, and Specialized Lines. The core offerings include Personal Package (combining home, property, and personal coverage), Car Insurance, Dwelling/Home Insurance, Life and Disability Insurance, Medical and Dental Plans, Travel Insurance, and various specialty coverages including Yachts, Aviation, Flood, and Home/Road Assistance. Business offerings include Business Package, Condominium, Maritime, Marinas, Garages, and Boiler & Machinery Insurance. The Multi-Line Policy serves as a platform product that consolidates multiple risks under a single contract. Specialized Lines include Professional Liability, Employment Practices Liability, Directors & Officers, CyberEdge, and Errors and Omissions coverage. The company also offers supplementary services including a Collection Department, Personalized Service, Claims Department, and HD Finance for premium financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Package Insurance A bundled insurance product that protects the structure of primary and/or secondary residences and the personal property owned or used by the insured anywhere in the world.
• Car Insurance Insurance policies that protect against financial loss in the event of an automobile accident, covering vehicle damage.
• Home/Dwelling Insurance Dwelling or hazard insurance that protects concrete, wood, and mixed-construction structures based on replacement cost for fire, hurricane, or earthquake damage, with optional vandalism coverage.
• Umbrella Packages Additional liability coverage extending protection beyond standard policy limits for personal and business policies.
• Yachts Policies Coverage that protects boats against loss or physical damage, including damages to third parties, for inboard and outboard engines.
• Travel Insurance Protection during travel against illness, accident, cancellation, or trip interruption.
• Home Assistance Emergency household assistance services covering plumbing, electrical, locksmith, and glassware incidents.
• Road Assistance Roadside assistance that resolves unexpected situations such as towing, locked-in keys, and tire changes.
• Flood Insurance Coverage for structures in the event of floods caused by overflowing bodies of water, storm surges, or mudslides.
• Life and Disability Insurance Life insurance that pays beneficiaries upon death, and disability insurance that covers personal or work-related disability situations.
• Medical and Dental Plan Health insurance that compensates medical and related expenses in case of illness.
• Aviation Insurance Coverage for physical damage of aircraft and public liability exposure.
• Business Package A bundled policy combining multiple coverages designed for the risks small or medium businesses face, including environmental restructuring coverage at time of loss.
• Business Insurance Coverage for business structure, content, equipment, professional liability, loss of income, flood, employee dishonesty, signs, valuable documents, and directors and officers.
• Condominium Policies Insurance designed for condominium associations, covering property and operational exposures.
• Marinas Insurance Coverage for marina operations and property.
• Maritime Policies Insurance coverage for maritime operations and vessels.
• Garages Insurance Coverage for units under the custody of the garage owner against collision, vandalism, theft, and fire.
• Boilers and Machinery Insurance Coverage for sudden and accidental breakdowns of pressurized and non-pressurized systems such as refrigeration units, air conditioners, compressors, generators, turbines, transformers, and electrical distribution equipment.
• Bonds A written contract expressing the promise of a party to respond if the bondholder does not fulfill a contracted payment obligation.
• MCS-90 Insurance Coverage for motor carriers that meet MCS-90 regulatory requirements.
• Multi-Line Policy A bundling option that groups multiple insurance needs under a single contract, combining multiple risks for premium savings and simplified administration.
• Professional Liability Insurance Specialized coverage for professional errors and omissions.
• Employment Practices Liability Insurance Coverage for employers against claims by employees regarding workplace rights violations.
• Directors & Officers Insurance Coverage protecting company directors and officers from personal financial loss if the company is sued.
• CyberEdge Insurance Civil liability insurance for data protection, covering cyber-related risks and breaches.
• Errors and Omissions Insurance Coverage for professional mistakes and oversights that cause harm to clients.
• HD Finance (Premium Financing) An in-house financing department that allows clients to distribute annual premiums into monthly or quarterly payments for auto policies and personal packages.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Willis Re of LondonminorStrategic or Co-development PartnerMiguel Donato Solís holds Enterprise Risk Management certification from Willis Re of London, indicating professional development and industry collaboration relationship.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Lockton: World's largest independent insurance brokerage, offering commercial, specialty and personal lines. Comparable as a multi-line broker competing for similar commercial and specialty clients.
• Marsh & McLennan: Global insurance brokerage and advisory firm. Comparable in broker/agency model and product coverage, though focused on larger commercial accounts and global programs.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk-management firm offering commercial and specialty lines through agency and brokerage channels. Comparable in agency/broker business model and product breadth, with much broader geographic reach.
• Aon: Global professional services firm offering insurance brokerage and risk management across commercial and specialty lines. Comparable business model and product scope at vastly larger scale.
• Triple-S Management: Puerto Rico's largest insurance carrier and managed-care company, offering personal, commercial and health lines directly and through agents. Overlaps with Humberto Donato Insurance across multi-line personal and commercial products in the same PR market.
• MAPFRE Puerto Rico: PR arm of global insurer MAPFRE and the primary carrier partner of Humberto Donato Insurance. Competes across overlapping personal and commercial lines while also being a partner channel — directly relevant for competitive benchmarking.

Direct peers

• First Insurance Company of Puerto Rico: PR-based property and casualty insurer offering personal and commercial lines. Comparable in scope and target customer (PR individuals and SMBs) though operating as a carrier rather than an agency.
• Brown & Brown Insurance: US insurance brokerage offering personal, commercial and specialty lines through a decentralized agency model. Comparable as a multi-line independent agency of similar size-class ambition, though operating at materially greater scale.
• Cooperativa de Seguros Múltiples de Puerto Rico: Puerto Rican insurance cooperative offering personal, commercial and specialty lines to members and the general public. Directly comparable multi-line product portfolio serving the same island geography.

Regional players

• Multinational Life Insurance Company: Puerto Rico-based life and health insurer offering individual and group products. Comparable in regional positioning and bilingual Caribbean service model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/DonatoInsurance
• Facebookfacebook.com/HumbertoDonatoInsurance
• LinkedInlinkedin.com/company/humberto-donato-insurance-inc-

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Humberto Donato Insurance