What Credinform does

Credinform International is a Bolivian insurance company founded in 1954 and headquartered in Santa Cruz de la Sierra, operating under the regulatory oversight of the Autoridad de Fiscalización y Control de Pensiones y Seguros (APS). The company provides a broad portfolio of personal and commercial insurance products spanning auto, home, personal accident, construction all-risk, commercial fleet, civil liability, transportation, aviation, marine, surety bonds, machinery breakdown, and property damage coverage. It serves two principal customer segments: individual consumers (Personas) via products Mi Auto, Mi Hogar, and Mi Protección AP, and business clients (Empresas) via an extensive commercial lines catalog. Distribution operates through 15 physical offices nationwide, a 24/7 call center, iOS and Android mobile applications, and the Mis Pagos online payment portal supporting QR code and card-based premium collection on a monthly billing cadence.

The company's core technology is an insurance platform with digital payment capabilities and mobile applications for policy management and claims reporting. Pricing is quote-based and not publicly disclosed, with premiums varying by line of business, coverage limits, deductibles, and risk profile. Revenue is generated primarily through recurring insurance premiums, with a secondary transaction-fee stream from Credinform Subastas, a wholly-owned online auction platform for the disposal of salvaged vehicles, properties, and other assets recovered from insurance claims. The Subastas business is bolstered by a co-marketing partnership with Ultracasas for property listings. The company employs 51–100 staff, maintains a private ownership structure with no disclosed parent or external investors, and has remained continuously operating for over seven decades without documented M&A, funding rounds, or leadership changes.

Name

Credinform

Legal name

Credinform International

Website

https://credinformsa.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

51–100 employees

Short description

Credinform International is a Bolivian insurance company founded in 1954 offering personal and commercial insurance products across 15 nationwide offices. It serves individuals and businesses through digital channels, mobile apps, a 24/7 call center, and a wholly-owned salvage auction platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Santa Cruz De La Sierra

HQ country

Bolivia

HQ region

Latin America

Offices2 records

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 Premiums: Credinform generates revenue through insurance premiums paid by policyholders. The company offers both individual insurance products (auto, home, personal accident) and comprehensive business insurance policies (construction, automotive, civil liability, transportation, aviation, marine, etc.). Premiums are collected through digital channels, mobile app, call center, and physical office locations.
2. Salvage Vehicle Auctions: Credinform operates an auction platform (bienes.recuperados.credinformsa.com) for selling salvaged/recovered vehicles and properties from insurance claims. Revenue is generated through transaction fees from auction sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Credinform underwrites and sells personal and commercial insurance products across Bolivia, including auto, home, personal accident, construction all-risk, fleet automotive, civil liability, multi-risk, transportation, aviation, marine, surety bonds, machinery breakdown, property damage, and heavy mobile equipment coverage. It also operates Credinform Subastas, an online auction platform for recovered vehicles, properties, and other insured assets.

Product overview

Credinform is a Bolivian insurance company with over 70 years of experience operating across Bolivia through 15 offices. The company offers a comprehensive portfolio of insurance products organized into two main segments: Personal Insurance (Mi Auto, Mi Hogar, Mi Protección AP) and Business Insurance (Todo Riesgo Para Construcción y Montaje, Automotor, Responsabilidad Civil, Comprensiva 3D, Multirriesgo, Transporte, Riesgos Especiales, Garantías y Cauciones, Aeronavegación, Accidentes Personales, Todo Riesgo Para Naves y Embarcaciones, Rotura de Maquinaria, Todo Riesgo de Daños a la Propiedad, Equipo Pesado Móvil). Beyond traditional insurance, the company operates Credinform Subastas, an online auction platform for recovered and insured assets. Digital service delivery is enabled through mobile applications for iOS and Android, and an online payment portal (Mis Pagos) supporting QR code and card transactions. The product portfolio is complemented by 24/7 Call Center support through dedicated phone lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Mi Auto (Personas) Personal auto insurance product providing coverage for individual vehicle owners against damages, theft, and accidents.
• Mi Hogar (Personas) Home insurance product for individuals covering property damage, theft, and related risks to personal residences.
• Mi Protección AP (Accidentes Personales) Personal accident insurance providing coverage for individuals against accidental injuries, disability, or death.
• Todo Riesgo Para Construcción y Montaje All-risk insurance coverage for construction and assembly projects, protecting against physical loss or damage during the construction phase.
• Automotor (Empresas) Commercial vehicle insurance for businesses covering fleet vehicles, trucks, and other company-owned automobiles.
• Responsabilidad Civil General liability insurance coverage protecting businesses against claims for bodily injury or property damage caused to third parties.
• Comprensiva 3D Comprehensive 3D insurance product providing multi-dimensional coverage for business risks.
• Multirriesgo (Empresas) Multi-risk insurance policy for businesses offering comprehensive coverage across multiple risk categories including property, liability, and operational risks.
• Transporte Transportation insurance covering goods in transit, cargo, and shipping-related risks for businesses.
• Riesgos Especiales Special risks insurance covering non-standard or high-hazard business exposures that require customized coverage solutions.
• Garantías y Cauciones Surety bonds and guarantee insurance products securing contractual obligations, judicial guarantees, and bid bonds for businesses.
• Aeronavegación Aviation insurance covering aircraft, liability, and operational risks for the aviation industry.
• Accidentes Personales (Empresas) Group accident insurance for employees and workers, providing coverage against workplace and non-workplace accidents.
• Todo Riesgo Para Naves y Embarcaciones All-risk marine insurance covering ships, vessels, and watercraft against physical loss or damage.
• Rotura de Maquinaria Machinery breakdown insurance covering sudden and accidental damage to equipment and industrial machinery.
• Todo Riesgo de Daños a la Propiedad All-risk property damage insurance covering buildings, contents, and fixed assets against physical loss or destruction.
• Equipo Pesado Móvil Mobile heavy equipment insurance covering construction machinery, tractors, and movable industrial equipment.
• Credinform Subastas Online auction platform for the sale of recovered assets including salvaged vehicles, properties, and other goods, enabling secure bidding and transaction management.

Segments2 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.

• UltracasasminorOthersUltracasas is featured as a collaboration partner on the Credinform Salvage Auctions platform, indicating a referral or co-marketing relationship for property-related auctions. The partnership appears focused on property auction services, with Ultracasas logo appearing alongside Credinform's on the auction website footer.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• MAPFRE: MAPFRE is a Spanish-headquartered global insurer with deep Latin American operations across multiple countries. It is comparable as a broad incumbent offering multi-line insurance products across the region where Credinform operates.
• Allianz: Allianz is a global insurance and asset management leader with Latin American presence. It is comparable as a broad incumbent offering multi-line insurance across the same product categories Credinform offers to personal and commercial customers.
• Zurich Insurance Group: Zurich is a global multi-line insurance company with Latin American operations. It is comparable as a broad incumbent offering commercial and personal insurance products in markets where Credinform competes for specialty and corporate business.
• Grupo SURA: Grupo SURA is a Colombian financial services and insurance holding company with significant Latin American presence. It is comparable as a broad incumbent operating across insurance and financial services in regional markets overlapping with Credinform's geography.
• Chubb: Chubb is a global insurance company offering commercial and personal coverage including specialty lines such as aviation and marine. It is comparable as a broad incumbent competing for the same specialty commercial business Credinform targets in Bolivia.

Direct peers

• Bisa Seguros: Bisa Seguros is part of the BISA Group and one of Bolivia's largest multi-line insurance companies offering personal and commercial coverage. It is a direct peer as a Bolivian insurer competing for the same customer segments across similar product lines.
• La Boliviana Ciacruz de Seguros: La Boliviana Ciacruz is a Bolivian insurer affiliated with the BNB financial group offering multi-line coverage. It is a direct competitor in the Bolivian insurance market with overlapping product portfolios.
• Nacional Seguros: Nacional Seguros is a Bolivian multi-line insurer serving both personal and commercial customers. It is directly comparable as another domestic multi-line competitor targeting similar segments in Bolivia.
• Alianza Compañía de Seguros y Reaseguros: Alianza is a long-established Bolivian multi-line insurer offering personal, commercial, and surety products. It competes directly with Credinform across overlapping personal and business lines within the same domestic market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Credinformsa
• LinkedInlinkedin.com/company/credinform

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Credinform