Comercial de Seguros

What Comercial de Seguros does

Comercial de Seguros LTD is a privately held, non-banking insurance brokerage headquartered in La Uruca, San José, Costa Rica. The company operates as an intermediary between end customers and multiple Costa Rican and international insurance carriers (ASSA, INS, BMI, Lafise, Oceánica, Mapfre, Quálitas, PALIG), placing policies and earning commissions on placement volume. Itself-regulated by SUGESE (Superintendencia General de Seguros), the firm serves three horizontal customer segments: individuals (Personas), businesses (Empresas), and a proprietary branded product line (Seguros Comer).

The product catalog spans more than 30 insurance lines organized under three umbrellas: Seguros Personas (auto, life, health, travel, bicycle, electronics, work risk, fire, civil liability), Seguros Empresas (fidelity, health collectives, credit protection, construction, agricultural, cargo, cyber, surety bonds, fleet), and Seguros Comer (PleniSalud health plans, Comer Vida y Ahorro savings, and a 2025-launched suite of sports-specific coverage for walkers, runners, enduro/trial, crossfit, gym, padel, and tennis). The technology layer is a website (comerseguros.com) with WhatsApp Business integration and a contact-management workflow; no mobile app, public API, or AI-driven underwriting capabilities are in evidence.

The business model is commission-based brokerage on individually quoted policies, with no subscription tiers or publicly disclosed pricing. Go-to-market is a consultative, sales-led motion delivered through in-person advisory at the La Uruca office and remote channels (WhatsApp, phone). The company has accumulated at least 15 industry awards from carriers between 2014 and 2026, including Mapfre 2026 and PALIG 2025, supporting its self-claim as the "#1 non-banking insurance broker in Costa Rica." No headcount, revenue figures, funding events, M&A activity, or management roster are disclosed in the source material.

Name

Comercial de Seguros

Legal name

Comercial de Seguros LTD

Website

https://comercialdeseguros.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Comercial de Seguros is a privately held, SUGESE-regulated non-banking insurance brokerage in Costa Rica that places policies from eight-plus carriers for individuals, businesses, and via its proprietary Comer sub-brand, earning commissions through a consultative, sales-led model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance coverage
• Multi-carrier insurance broker
• Claims advisory services

Headquarters

HQ city

San José

HQ country

Costa Rica

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As a non-banking insurance broker, the company earns commissions from insurance providers for placing policies. They work with multiple insurance carriers (ASSA, INS, BMI, Lafise, Oceánica, Mapfre, Quálitas, PALIG) offering their products to end customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Comercial de Seguros is a Costa Rican non-banking insurance brokerage that intermediates personal, business, and proprietary branded insurance products (Seguros Comer) on behalf of multiple insurance carriers. Services include needs analysis, policy recommendation, education, and claims accompaniment for individuals, companies, and specialized segments such as sports and fitness enthusiasts. The brokerage earns commissions from carriers including ASSA, INS, BMI, Lafise, Oceánica, Mapfre, Quálitas, and PALIG.

Product overview

Comercial de Seguros is Costa Rica's #1 non-bank insurance broker offering a comprehensive portfolio of insurance products organized into three main lines: Seguros Personas (personal insurance for individuals covering life, health, automobile, travel, work risks, and more), Seguros Empresas (business insurance covering construction, agriculture, cargo, cyber protection, fidelity bonds, and employee health collectives), and Seguros Comer (proprietary branded products including life plans, PleniSalud health coverage, and specialized sports insurance for walkers, runners, cyclists, enduro/trial/off-road motorcyclists, crossfit, gym, padel, and tennis). The company operates as a broker model, analyzing client needs, simplifying insurance options, providing professional advisory services, and supporting clients through claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• Seguros Comer: Sub-brand for Commercial insurance products including life plans, health insurance, sports-related coverage (Caminantes, Corredores, Enduro, Crossfit, Gym, Padel, Tenis), and Comer Vida y Ahorro savings products.

Products and services

• Seguros Personas (Personal Insurance Line) Personal insurance product line for individual consumers covering auto, life, medical expenses, travel, electronic equipment, bicycles, fire and other risks, work risks, student, civil liability, and wellness coverage.
• Seguros Empresas (Business Insurance Line) Business insurance product line for corporate clients covering work risks, fidelity, health collectives, credit protection, construction, agricultural, values in transit, inland cargo, fire, electronic equipment, automobile fleets, import/export cargo, civil liability, surety bonds (caución), and cyber protection.
• Seguros Comer (Branded Insurance Line) Proprietary branded insurance product line under the Comer label including life plans, PleniSalud health coverage, specialized sports insurance for walking, running, enduro/trial/off-road motorcycling, crossfit, gym, padel, and tennis, and Comer Vida y Ahorro life and savings product.
• Haga su seguro a la medida (Custom Insurance Service) Custom insurance service allowing clients to build tailored insurance plans based on their specific needs and budget through consultative advisory with Comercial de Seguros brokers.
• Automóvil (Personal Auto Insurance) Automobile insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Vida (Personal Life Insurance) Life insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Gastos Médicos (Personal Medical Expenses Insurance) Medical expenses insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Viajero (Personal Travel Insurance) Travel insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Equipo Electrónico (Personal Electronic Equipment Insurance) Electronic equipment insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Bicicletas (Personal Bicycle Insurance) Bicycle insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Incendio y otros Riesgos (Personal Fire and Other Risks Insurance) Fire and other risks insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Riesgos del Trabajo (Personal Work Risk Insurance) Work risk insurance for individuals covering occupational injuries and accidents, brokered from multiple insurance carriers in Costa Rica.
• Estudiantil (Personal Student Insurance) Student insurance coverage for educational institutions and students, brokered from multiple insurance carriers in Costa Rica.
• Responsabilidad Civil (Personal Civil Liability Insurance) Civil liability insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Bienestar (Personal Wellness Insurance) Wellness insurance coverage for individuals, brokered from multiple insurance carriers in Costa Rica.
• Automóviles (Business Fleet Auto Insurance) Automobile insurance coverage for business fleets, brokered from multiple insurance carriers in Costa Rica.
• Cyber Protección (Cyber Insurance) Cyber protection insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Colectivos de Salud (Group Health Insurance) Health collectives insurance for employee groups at businesses, brokered from multiple insurance carriers in Costa Rica.
• Construcción (Construction Insurance) Construction insurance coverage for the building industry, brokered from multiple insurance carriers in Costa Rica.
• Agrícola (Agricultural Insurance) Agricultural insurance coverage for farming operations, brokered from multiple insurance carriers in Costa Rica.
• Carga Importación y Exportación (Import/Export Cargo Insurance) Import and export cargo insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Transporte Interior de Mercancías (Inland Cargo Transport Insurance) Inland cargo transport insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Valores en Tránsito (Values in Transit Insurance) Values in transit insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Fidelidad (Fidelity Insurance) Fidelity insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Protección Crediticia (Credit Protection Insurance) Credit protection insurance including unemployment coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Responsabilidad Civil (Commercial Civil Liability Insurance) Civil liability insurance for businesses, brokered from multiple insurance carriers in Costa Rica.
• Caución (Surety Bond Insurance) Surety bond insurance coverage for businesses, brokered from multiple insurance carriers in Costa Rica.
• Incendio y otros daños (Commercial Fire and Damages Insurance) Fire and other damages insurance for businesses, brokered from multiple insurance carriers in Costa Rica.
• Equipo Electrónico (Commercial Electronic Equipment Insurance) Electronic equipment insurance for businesses, brokered from multiple insurance carriers in Costa Rica.
• Riesgos del Trabajo (Commercial Work Risk Insurance) Work risk insurance for businesses covering occupational injuries, brokered from multiple insurance carriers in Costa Rica.
• Planes de vida (Comer Life Plans) Life insurance plans under the Comer proprietary brand.
• PleniSalud de Comercial de Seguros (Comer Health Insurance) Health insurance product branded under the proprietary PleniSalud label.
• Comer Vida y Ahorro (Comer Life and Savings Insurance) Life and savings insurance product under the Comer proprietary brand combining life coverage with a savings/investment component.
• Caminantes (Walkers Insurance) Insurance coverage designed for walkers/hikers under the Comer proprietary brand.
• Corredores (Runners Insurance) Insurance coverage designed for runners/joggers under the Comer proprietary brand.
• Enduro – Trial – Off Road Insurance Insurance coverage for enduro, trial, and off-road motorcycling activities under the Comer proprietary brand.
• Crossfit Insurance Insurance coverage designed for crossfit enthusiasts under the Comer proprietary brand.
• Gym Insurance Insurance coverage for gym members and fitness enthusiasts under the Comer proprietary brand.
• Padel Insurance Insurance coverage designed for padel players under the Comer proprietary brand.
• Tenis Insurance Insurance coverage designed for tennis players under the Comer proprietary brand.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• ASSAcoreChannel Partner/ Reseller/ DistributorInsurance provider partner. ASSA has recognized Comercial de Seguros with awards including Premio ASSA (2014) and MVP (2024).
• INS (Instituto Nacional de Seguros)coreChannel Partner/ Reseller/ DistributorCosta Rica's national insurance institution. INS has awarded Comercial de Seguros as Mayor Productor (2018), Premio Raíces (2022), and Mayor productor Seguros Generales (2022).
• BMIcoreChannel Partner/ Reseller/ DistributorInsurance provider partner. BMI recognized Comercial de Seguros for Producción General Colectivos (2019).
• LafisecoreChannel Partner/ Reseller/ DistributorInsurance and financial services provider. Lafise awarded Producción recognition to Comercial de Seguros (2019).
• OceánicacoreChannel Partner/ Reseller/ DistributorInsurance provider partner. Oceánica recognized Comercial de Seguros as Correduría con mayor producción (2021) and awarded Premio Somos Agua for sustainability.
• MapfrecoreChannel Partner/ Reseller/ DistributorInternational insurance company. Mapfre has recognized Comercial de Seguros with Producción Corporativa (2022), Seguros Generales (2026), and Seguros Personales (2026) awards.
• QuálitascoreChannel Partner/ Reseller/ DistributorAuto insurance specialist. Quálitas awarded Comercial de Seguros with Premio 1re Lugar (2022).
• PALIGcoreChannel Partner/ Reseller/ DistributorInsurance provider. PALIG awarded Cartera General recognition to Comercial de Seguros (2025).

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Aon: Global insurance and reinsurance broker; comparable as a multi-line intermediary with diversified carrier relationships and consultative advisory model, though at global enterprise scale.
• Marsh: Global insurance broker and risk advisor; comparable as a multi-carrier intermediary serving commercial and individual clients, though vastly larger in scale and geographic scope than Comercial de Seguros.
• Arthur J. Gallagher & Co. Large diversified insurance brokerage and risk management firm; comparable in multi-carrier distribution and broad product portfolio spanning personal, commercial, and specialty lines.
• Willis Towers Watson: Global advisory and brokerage firm with insurance intermediation as a core service; comparable multi-carrier advisory model, though serving primarily enterprise and global accounts.
• Lockton: Largest independent insurance brokerage globally; comparable as a privately-held, multi-carrier broker with consultative advisory and proprietary product capabilities across personal and commercial lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/comercial-de-seguros

Compliance1 record

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 Comercial de Seguros