Livonius

What Livonius does

Livonius MGA is a Brazilian Managing General Agent founded in 1888 in Porto Alegre, Rio Grande do Sul, and is the oldest MGA in Brazil. The company specializes in mandatory civil liability and personal accident insurance for passenger road transport operators, offering the RCO (Responsabilidade Civil Ônibus) and APP (Acidentes Pessoais de Passageiros) product suite under SUSEP-registered processes and underwritten exclusively by ESSOR Seguros, part of the international SCOR Group. It serves municipal, intermunicipal, interstate, charter/tourism, urban/metropolitan, cooperative, and micro-bus/van passenger transport operators nationwide through ANTT-compliant coverage.

The company distributes exclusively through a network of 5,000+ active licensed insurance brokers (corretores) and direct WhatsApp-based consultation, with no direct-to-consumer sales channel. Its technology stack centers on a digital insurance platform that supports rapid quoting, simplified underwriting acceptance, immediate digital certificate issuance (Certificado Digital Imediato), and a structured accident prevention program (Programa de Prevenção em Acidentes) that combines risk assessment with preventive measures for fleet operators. The company maintains LGPD-aligned privacy practices, ISO 27002-based information security controls, and SOC 2 access control practices.

Livonius operates as part of Grupo Livonius, alongside sister brand Livo MGA, which extends the same broker and fleet-owner distribution into Health, Life, Agricultural Machinery, Guarantee, Property & Casualty, Rural Pledge, Auto, and Bus Hull insurance. Revenue derives from MGA commissions on premiums underwritten by ESSOR Seguros, paid by Brazilian bus fleet owners and transport companies required by ANTT to carry RCO coverage. The company reports leadership in Brazil's RC Bus insurance market for over 10 years, R$2B+ in cumulative claims paid, and coverage of 2M+ passengers daily.

Name

Livonius

Legal name

Livonius MGA

Website

https://livoniusmga.com.br

Company type

Private

Founded year

1888

Operating status

Operating

Headcount range

51–100 employees

Short description

Livonius is Brazil's oldest Managing General Agent (founded 1888), distributing mandatory RCO/APP passenger transport insurance underwritten by ESSOR Seguros (SCOR Group) to bus operators through 5,000+ licensed brokers nationwide.

Ownership category

akta.pro rank

Product category

Passenger Transport Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Passenger transport insurance
• Bus civil liability insurance
• Managing general agent
• ANTT-compliant coverage
• Personal accident insurance

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - RCO/APP: Livonius acts as an MGA (Managing General Agent) earning commissions from ESSOR Seguros (part of SCOR Group) for RCO (Responsabilidade Civil Ônibus) and APP (Acidentes Pessoais de Passageiros) insurance products. Revenue comes from underwriting premiums on mandatory civil liability and personal accident coverage for passenger transport operators.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Livonius is a Managing General Agent (MGA) that distributes mandatory Bus Civil Liability (RCO) and Personal Accident for Passengers (APP) insurance products to passenger transport operators in Brazil, underwritten by ESSOR Seguros (SCOR Group). Coverage is tailored for municipal, intermunicipal, interstate, charter, tourism, urban, metropolitan, and micro-bus operators, and is fully compliant with ANTT regulations. The company reaches customers exclusively through a network of 5,000+ licensed insurance brokers supported by consultative direct sales, rapid digital quoting, immediate digital certificate issuance, and 24-hour humanized claims handling.

Product overview

Livonius operates as a multi-brand insurance MGA (Managing General Agent) with two distinct product lines: (1) Livonius MGA — the original brand and oldest MGA in Brazil (founded 1888), specializing exclusively in passenger transportation insurance, offering the core RCO/APP (Responsabilidade Civil Ônibus / Acidentes Pessoais de Passageiros) product underwritten by ESSOR Seguros (SCOR Group), compliant with ANTT requirements for intercity and charter bus operators nationwide; and (2) Livo MGA — a newer sub-brand launched to serve the same broker and fleet-owner clientele with a broader portfolio including Health, Life, Agricultural Machinery, Guarantee, Property & Casualty, Rural Pledge & Improvements, Auto, and Bus Hull insurance. The two brands share distribution channels (5,000+ active brokers), technology infrastructure, and company leadership, with Livo MGA positioned as an expansion of the product suite beyond the core bus transportation vertical.

Differentiator

Problem solved

Functional benefit

Brands

• Livo MGA: Company specialized in Health, Life, Agricultural Machinery, Guarantee, Properties and Responsibilities insurance, operating under the same solidity with new horizons.

Products and services

• Seguro RCO/APP para Ônibus (Bus Civil Liability / Personal Accident for Passengers Insurance) Mandatory ANTT-compliant civil liability insurance for passenger transport operators combined with personal accident coverage for passengers and crew (death, permanent disability, medical/hospital/dental expenses). Covers bodily, property, moral, and aesthetic damage to passengers and third parties, with national coverage for municipal, intermunicipal, interstate, charter, tourism, urban, and metropolitan bus operations, plus cooperatives and micro-bus/van operators. Delivered with simplified acceptance, immediate digital certificate issuance, 24-hour humanized claims handling, and the Programa de Prevenção em Acidentes risk assessment service.
• Livo MGA (Saúde, Vida, Agrícola, Garantia, Propriedades, Responsabilidades, Auto, Casco Ônibus) Companion MGA brand offering Health, Life, Agricultural Machinery, Guarantee, Property & Casualty, Rural Pledge & Improvements, Auto, and Bus Hull insurance products to the same broker network and fleet-operator clients served by Livonius MGA. Positioned as an expansion of the product suite beyond the core bus transportation vertical, leveraging the same distribution channels and underwriting partnerships.

Quantifiable outcome

• 2M+ passengers protected daily under Livonius-issued coverage
• +3 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• ESSOR Seguros (Grupo SCOR)coreTechnology or IntegrationESSOR Seguros, part of the international SCOR insurance group, is the insurance carrier (seguradora) underwriting Livonius MGA's RCO and APP insurance products. The partnership provides financial backing and underwriting capacity for passenger transport insurance products. SUSEP processes: 15414.901412/2013-05 (RCO) and 15414.901413/2013-41 (APP).

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Justos: Brazilian insurtech operating as a digital auto insurer; relevant as an emerging MGA-style competitor demonstrating how tech-first models are reshaping Brazilian motor insurance distribution.
• Akko Seguros: Brazilian digital-first MGA focused on electronics and niche consumer products; comparable as a tech-enabled MGA using direct/broker channels in the Brazilian market.

Broad incumbents

• SulAmérica: Large Brazilian insurer with auto and commercial products; overlaps with Livonius at the fleet and corporate customer segment.
• Zurich Brasil: Multinational insurer with meaningful Brazilian commercial lines exposure; comparable as a scaled player offering motor and commercial liability to corporate clients.
• Tokio Marine Seguradora: Major Japanese-affiliated insurer in Brazil offering auto and commercial fleet products; competes for fleet and transport-operator budgets.
• HDI Seguros: Brazilian insurer with a strong auto and commercial fleet franchise; overlaps in the motor-liability segment and competes for broker placement of fleet business.
• Porto Seguro: One of Brazil's largest insurance conglomerates, with significant motor and fleet business; overlaps with Livonius in commercial auto liability and bus/fleet coverage.
• Mapfre Seguros: Global insurer with a sizeable Brazilian operation across P&C and auto; relevant as a broad incumbent with overlapping commercial transport coverage.

Direct peers

• 180 Seguros: Brazilian insurtech MGA focused on auto insurance with a digital-first broker channel; comparable as a direct MGA peer competing in the Brazilian motor-insurance market.
• Minuto Seguros: Brazilian online insurance broker/MGA distributing multiple product lines through digital channels; comparable as a scale broker-distribution platform competing for the same end-customer wallet share.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LivoniusMGA
• LinkedInlinkedin.com/company/livonius-parcerias

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Livonius