What Gente Seguradora does

Gente Seguradora S.A. is a Brazilian insurance carrier headquartered in Porto Alegre, Rio Grande do Sul, operating under SUSEP license since 1985 as part of the family-controlled Gente Grupo conglomerate (insurance, health, hospitality). The company sells eight specialized insurance lines — gente auto (auto and fleet), gente bike, gente rc ônibus (transport civil liability), gente motorhome, gente empresarial (commercial), gente rd (equipment/miscellaneous risks), gente ap (personal accident), and gente vida (group life) — plus the gente resolve+ on-demand roadside assistance add-on. Customers range from individual consumers and SME/mid-market businesses (5 to 100+ employees) to transport operators and union-based employee-benefits groups, with motorhome policies extending coverage into Argentina, Uruguay, Paraguay, Chile, and Peru.

The underlying technology stack is described as modern, online, and real-time, integrating all company sectors, with digital self-service quote-and-broker-match on the public website, dedicated client/partner/training/internal portals, a chatbot for automated claims (sinistro) registration, and the gente resolve+ mobile app. AI is currently limited to the GênIA NLP presenter for the weekly Ur Gente News newsletter and the claims chatbot.

Revenue is generated through recurring insurance premiums across the product portfolio, with regional pricing differentiated by Brazilian state and product-specific payment cadences (monthly installments for auto/business, annual for bicycle). Distribution is broker-led: 185 credentialed corretores across all 27 Brazilian states matched to customers by CEP, supported by 477 accredited repair shops, branch offices in Porto Alegre, São Paulo (Casa da Gente, Brazil's first integrated insurance service center, established 1988), and Rio de Janeiro, plus WhatsApp and phone-based customer service channels.

Name

Gente Seguradora

Legal name

Gente Seguradora S.A.

Website

https://genteseguradora.com.br

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

Gente Seguradora is a family-controlled Brazilian insurance carrier offering eight specialized insurance lines plus on-demand roadside assistance, distributed through 185 brokers across all 27 states to individuals, SMEs, and transport operators.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

General Liability Insurance (FSAJAMAE), Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG)

Keywords

• Vehicle insurance
• Business insurance
• Personal accident insurance
• Group life insurance
• Insurance brokerage

Headquarters

HQ city

Rio Grande Do Sul

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Gente Seguradora generates revenue through insurance premiums from multiple product lines including auto, business, bicycle, bus/transport, motorhome, accident personal, and life insurance. The company collects recurring premiums from policyholders and pays out claims when insured events occur.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Gente Seguradora is a Brazilian insurance company that underwrites and distributes a portfolio of insurance products across personal and commercial lines, including vehicle, business, bicycle, bus/transport, motorhome, personal accident, and group life coverage. Policies are sold through a nationwide network of 185 credentialed brokers and supported by 477 accredited repair shops, with digital portals enabling quoting, policy management, and claims processing.

Product overview

Gente Seguradora is a Brazilian insurance company offering a portfolio of 8 specialized insurance products plus an emergency assistance add-on. The core portfolio includes vehicle insurance (gente auto for individuals and fleets, gente motorhome, gente rc ônibus for transport liability), property insurance (gente empresarial for businesses, gente rd for equipment), and personal protection products (gente bike for bicycles, gente ap for personal accidents, gente vida for group life). The gente resolve+ service provides 24-hour emergency road assistance as an add-on to vehicle coverage. Products are distributed through a national network of 185 authorized brokers and 477 partnered workshops, with digital portals for customer, partner, and training access.

Differentiator

Problem solved

Functional benefit

Brands

• gente auto: Vehicle insurance for individuals and fleets covering automobiles, buses, trailers, and motorhomes
• gente bike
• gente rc ônibus
• gente motorhome
• gente empresarial
• gente rd
• gente ap
• gente vida
• gente resolve+

Products and services

• gente auto Vehicle insurance covering collision, fire, robbery and theft protection with 24-hour assistance. Offers regional pricing, 8 types of deductibles, and payment in up to 7 fixed installments or 4 interest-free payments. Available for individual consumers and fleet operators.
• gente bike Bicycle insurance covering robbery, theft, accidental damage, fire, lightning, and electrical damage for e-bikes. Available for bikes valued from R$ 1,000 to R$ 75,000 with up to 10 years of manufacture.
• gente rc ônibus Civil liability insurance for bus and transport operators covering bodily and property damage to passengers and third parties, moral damages, baggage, and accident expenses. Available for fleets with special conditions.
• gente motorhome Motorhome and trailer insurance with coverages for fire, collision, theft, natural disasters, and passenger accidents. Includes 24-hour assistance with automatic extension to Argentina, Uruguay, Paraguay, Chile, and Peru.
• gente empresarial Business insurance offering over 40 coverages against fire, lightning, explosions, wind damage, electrical damage, glass breakage, civil liability, and theft. Designed for companies from 5 to 100+ employees with payment in up to 7 installments.
• gente rd Miscellaneous risks equipment insurance covering machines, equipment and implements (fixed or mobile). Includes basic coverage for external causes, physical damage, and theft, with optional coverage for civil liability, electrical damage, and loss of profit.
• gente ap Personal accident insurance available in individual and collective versions. Individual version offers accidental death, permanent disability, temporary incapacity daily allowances, and medical expenses. Collective version provides funeral aid and food assistance for companies.
• gente vida Group life insurance focused on small and medium enterprises and collective bargaining agreements. Covers death, accidental death indemnity, permanent disability, funeral aid, education assistance, hospitalization daily, and critical illness.
• gente resolve+ Emergency assistance service providing towing, battery charging, tire change, and locksmith services with quotes within 60 minutes. No monthly subscription required, accessible via mobile app.

Quantifiable outcome

• One of the best positions in SUSEP's complaint ranking - indicating high customer satisfaction

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Partnerships

Four partnerships are on record, tiered minor.

• Gente IncorporadoraminorOthersGente Incorporadora is part of the Gente Group of companies operating in insurance, health, and hospitality sectors. The group has been caring for people for over 52 years, expanding opportunities in the market and contributing to the country's growth.
• Gente SaúdeminorOthersGente Saúde is part of the Gente Group offering health benefits to employees as part of employee compensation packages.
• APAE - Associação de Pais e Amigos dos ExcepcionaisminorOthersSocial initiative: Gente designed and donated Brazil's first daycare for exceptional children, Creche D. MIMI, with 300m² built area in Vila Nova, Porto Alegre.
• gente resolve+minorOthersMobile app providing roadside assistance services including towing, battery charging, tire changes, and locksmith services within 60 minutes quote, without monthly fees. A separate brand/app for emergency assistance services.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• HDI Seguros: Brazilian P&C carrier focused on auto, fleet, and business insurance; closely comparable to Gente's gente auto, gente rc ônibus, and gente empresarial products.
• Bradesco Seguros: One of Brazil's largest insurance groups offering auto, life, and business insurance; competes with Gente particularly in fleet and bundled banking-channel products.
• Tokio Marine Seguradora: Brazilian arm of Tokio Marine offering auto, business, and specialty insurance through broker channels; directly comparable to Gente's gente auto and gente empresarial product set.
• SulAmérica Seguros: Major Brazilian multi-line insurer with strong auto, health, and life franchises; competes directly with Gente's gente auto, gente vida, and gente ap portfolios through broker networks.
• Porto Seguro Companhia de Seguros Gerais: Brazil's largest P&C insurer offering auto, home, life, and business lines with a similar broker-driven distribution model; historically administered in RS/SC by Gente's predecessor entity.
• Liberty Seguros Brasil: Brazilian P&C and auto insurer serving individuals and businesses through brokers; directly comparable to gente auto and gente empresarial products.
• Azul Seguros: Brazilian auto-focused insurer with strong broker distribution; directly comparable to gente auto for individual and small-fleet segments.
• Sompo Seguros: Brazilian P&C insurer offering auto, property, and specialty lines through brokers; competes with Gente across auto and business segments.
• Zurich Seguros Brasil: Global insurer's Brazilian unit with auto, business, and specialty offerings; comparable to Gente's diversified P&C portfolio and broker-led model.
• Mapfre Seguros Brasil: Global insurer with strong Brazilian auto and business presence; competes with Gente's auto, fleet, and small-business insurance products via brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UChvsaKb6X9cLPny8UrVIzPQ
• Xx.com/genteseguradora
• Facebookfacebook.com/GenteSeguradora
• LinkedInlinkedin.com/company/genteseguradora

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Gente Seguradora