ARL SURA

Name

ARL SURA

Legal name

ARL SURA - Administradora de Riesgos Laborales

Website

https://arlsura.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Occupational Risk Insurance

NAICS

Insurance Carriers (5241), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Workforce Compliance & Employment Law Risk Management (Local Labor Law, Tax, Statutory) (BPACAHAH)

akta.pro secondary industries

Onboarding, Offboarding & Employee Lifecycle Administration (BPACAHAL), HR Policy, Governance, Compliance & Risk Advisory (BPACAJAF)

Keywords

• Occupational risk insurance
• Workplace safety management
• Occupational health services
• Social security administration
• SG-SST compliance

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. ARL Premium Contributions: Mandatory employer contributions to the Colombian Occupational Risk System (SGRL) based on risk classification. Employers pay contributions calculated as a percentage of each worker's monthly income (Ingreso Base de Liquidación - IBL), with rates varying by economic activity risk class (I-V) ranging from 0.52% to 8.5% of payroll. This is the primary revenue stream collected through PILA (Planilla Integrada de Liquidación de Aportes) system.
2. Independent Worker Contributions: Voluntary independent workers make monthly contributions based on their declared income and risk classification of their economic activity. These contributions provide coverage for work accidents and occupational diseases.
3. Virtual Training Services: Free training services provided to affiliated companies including 50-hour SG-SST certification courses, 20-hour refresher courses, videochats, and in-person training sessions. While the training itself is complimentary for affiliated companies, it serves as a customer retention and engagement mechanism.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

ARL SURA is a Colombian occupational risk administrator that provides mandatory occupational risk insurance for employers and workers, covering workplace accidents and occupational diseases. It manages the full lifecycle from worker enrollment and contribution collection (via PILA) to medical authorizations, incapacity management, disability pension assessments, and death/survivor benefits. It also delivers a digital ecosystem of compliance tools, risk assessment instruments, and certified training programs to help employers meet Colombian SG-SST regulations.

Product overview

ARL SURA operates as an occupational risk administrator offering a comprehensive digital platform for workplace safety and social security compliance in Colombia. The core offering combines the main ARL SURA platform with integrated digital tools including the IPEVR risk assessment tool, virtual training through Colegio Gestión del Riesgo, the SG-SST management system with PHVA methodology guidance, and digital committee administration for COPASST. Supporting modules provide certificates, incapacities management, international coverage, andWhatsApp-based customer service. The platform integrates with national systems like PILA for mandatory social security contributions and SENA for certified training.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Incapacity benefits: 100% of IBL for total incapacity, 60% for partial disability (50-66% PCL), 75% for severe disability (>66% PCL)
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and major.

• SENA (Servicio Nacional de Aprendizaje)coreStrategic or Co-development PartnerSENA (National Learning Service) is Colombia's public vocational training institution that partners with ARL SURA to offer occupational safety and health certification courses. ARL SURA's virtual training platform integrates with SENA-certified curriculum for the mandatory 50-hour SG-SST training program. The partnership enables ARL SURA to deliver government-recognized certifications required by Colombian occupational safety regulations.
• Grupo SURAcoreOthersGrupo SURA is the parent holding company and principal shareholder of Suramericana S.A., which owns ARL SURA. The relationship provides ARL SURA with the backing of one of Latin America's largest financial services groups, access to shared technology infrastructure, cross-selling opportunities with sister companies (EPS SURA, Seguros SURA), and brand equity from the SURA trademark.
• IPS Network (Instituciones Prestadoras de Servicios de Salud)coreTechnology or IntegrationARL SURA maintains a network of contracted healthcare provider institutions (IPS) across Colombia for work accident treatment and occupational health services. These include general hospitals, occupational health specialists, and rehabilitation centers that provide medical services under ARL coverage authorization protocols.
• Enlace OperativomajorChannel Partner/ Reseller/ DistributorEnlace Operativo is the recommended PILA (Planilla Integrada de Liquidación de Aportes) information operator for ARL SURA affiliates to process monthly social security contribution payments. The partnership enables seamless integration between ARL SURA's systems and the government-mandated payment platform for employer contributions.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Others

• EPS SURA: Colombian health promoting entity (EPS) within Grupo SURA, complementary to ARL SURA for occupational vs. general health coverage. Comparable as a sister entity in the SURA ecosystem sharing distribution and brand.

Direct peers

• Seguros Bolívar (ARL Bolívar): Colombian insurer with ARL operations, providing occupational risk coverage and complementary insurance products. Comparable in regulated ARL product lines and Colombian employer base.
• Colmena Seguros (ARL Colmena): Colombian ARL offering occupational risk administration with comparable employer-facing services and digital platforms. Direct head-to-head competitor within the SGRL system.
• Positiva Compañía de Seguros: Colombian state-owned occupational risk insurer and ARL, directly competing with ARL SURA in the same SGRL market. Comparable product set, customer base (employers and workers), and distribution channels.
• Aurora ARL (Seguros Aurora): One of Colombia's licensed ARLs providing occupational risk insurance and SG-SST advisory. Directly comparable as a regulated competitor targeting the same Colombian employer and worker segments.
• Seguros SURA (Vida): Life insurance subsidiary within the same SURA group, fused with ARL SURA in 2019. Directly comparable in distribution (certified advisors), customer base (Colombian employers), and cross-sell motion.
• Liberty Seguros Colombia: Colombian insurer operating in the ARL market and broader P&C lines. Comparable as a regulated occupational risk administrator with multi-line insurance offerings.

Broad incumbents

• Mapfre Colombia: Global insurer with Colombian operations across P&C, life, and ARL-style products. Comparable as a large incumbent offering overlapping employer risk products in the same geography.
• Zurich Seguros Colombia: Global insurance carrier operating in Colombia across personal and commercial lines, including workers' compensation-style coverage. Comparable as a multinational incumbent in the same regulatory environment.
• Suramericana S.A. (parent entity): Parent of ARL SURA under Grupo SURA, operating broader insurance and risk management across Latin America. Comparable as the corporate umbrella defining ARL SURA's strategic and capital context.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@ARLSURA
• Facebookfacebook.com/arlsura
• Xx.com/arlsura

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 ARL SURA