What Seguros CCS does

Seguros CCS (legal entity Corredores de Seguros CCS Limitada) is a Chilean insurance brokerage founded in 2003 and headquartered in Las Condes, Santiago. The company specializes exclusively in insurance for condominiums, building communities, and residential properties — not generalist brokerage — and self-describes as the broker with the most condominiums insured in Chile. Its product portfolio centers on mandatory fire insurance under Law 21.442, complemented by earthquake add-on coverage, civil liability protection for administrators and committees, specialized coverage for older buildings, home insurance for individual owners, and a set of supplementary products (equipment, doorman life insurance, auto, commercial premises, all-risk construction). Underlying technology is a standard web-based brokerage platform with no proprietary AI or data stack disclosed; differentiation is delivered through multi-carrier access (12+ insurer partnerships led by Mapfre, BCI, Unnio, and Sura), dedicated claims management via WhatsApp and email, and educational content (blog, YouTube, webinars).

The business model is commission-based brokerage: Seguros CCS earns commissions paid by insurance carriers for placing policies, with no additional cost passed to clients. Go-to-market is sales-led and direct-to-consumer via a website quote form, followed by personalized contact from a commercial executive; there is no self-service online purchase. Customer segments include condominium administrators, co-owner committee members, individual property owners and investors, tenants, and commercial tenants — primarily SMB and mid-market in the Chilean real estate vertical. Geographic reach is national across all 16 Chilean regions, served from a single Las Condes headquarters with a team of ~20 employees distributed across commercial, claims, payments, and collections functions. Recent strategic activity (2024 Mapfre co-developed unemployment-of-common-expenses product, 2025 rebrand, Kastor property-management integration, expanded content marketing) points to incremental moat reinforcement rather than aggressive scaling.

Name

Seguros CCS

Legal name

Corredores de Seguros CCS Limitada

Website

https://segurosccs.cl

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Seguros CCS is a Chilean insurance brokerage specializing exclusively in mandatory fire, earthquake, civil liability, and supplementary coverage for condominiums, building communities, and residential property owners across all 16 regions of Chile, operating on a commission-paid-by-carrier model with a sales-led, advisory-driven go-to-market.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

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

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

Keywords

• Insurance brokerage services
• Condominium insurance
• Property insurance
• Commercial insurance
• Claims management services

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance brokerage commissions: Seguros CCS acts as an insurance broker (corredora), earning commissions paid by insurance companies for placing policies. The broker's remuneration is a commission paid by the insurer, not by the community or client, with no additional cost passed to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Seguros CCS is a specialized Chilean insurance brokerage (corredora de seguros) that places insurance policies for condominiums, buildings, houses, apartments, and commercial spaces with multiple leading insurers. The core offering centers on mandatory fire insurance under Chile's Law 21.442, complemented by civil liability coverage for administrators and committees, earthquake add-ons, and a portfolio of supplementary products, supported by end-to-end claims management. Broker commissions are paid by the insurers rather than the client, with free advisory and personalized policy design delivered by a sales-led team.

Product overview

Seguros CCS is a specialized insurance brokerage serving communities, condominiums, and buildings in Chile. The company operates as a broker intermediary (corredora de seguros) offering a portfolio of insurance products centered on mandatory fire insurance (Seguro Obligatorio de Incendios) for buildings under Law 21.442, complemented by civil liability coverage for administrators and co-owner committees, earthquake add-on coverage (Adicional de Sismos), and specialized products for older buildings and individual homes. The core offering also includes supplementary insurance products (Otros Seguros) such as community liability, equipment, life insurance for staff, automobile, and commercial premises coverage, supported by a dedicated claims management (gestión de siniestros) service that accompanies clients throughout the entire incident resolution process.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Obligatorio de Incendios Mandatory fire insurance for buildings and condominiums under Chile's Law 21.442, covering common areas, structural damage, elevators, stairways, electrical installations, and water damage from pipe bursts. Designed for residential and mixed-use buildings and condominium communities.
• Seguro de Responsabilidad Civil para Administradores y Comités Civil liability insurance protecting the personal assets of building administrators and co-owner committee members against legal claims arising from errors, omissions, or negligence in their management duties. Targeted at professional and volunteer administrators, committee chairs, and board members of condominium communities.
• Adicional de Sismos Earthquake add-on coverage that complements the mandatory fire insurance, covering structural damage, fires caused by seismic events (within 3 hours of a magnitude-6+ tremor), and rehabilitation costs for residential and commercial properties. Targeted at building communities and property owners exposed to seismic risk in Chile.
• Seguro para Edificios Antiguos Specialized insurance product for buildings over 50 years old, offering tailored coverage for historic properties with adapted terms considering maintenance, structural condition, and preservation requirements. Designed for owners and administrators of older residential and mixed-use buildings.
• Seguro para Departamentos y Casas Home insurance covering individual apartments and houses against fire, structural damage, natural phenomena, water damage, temporary lodging costs, and civil liability for third-party damages. Targeted at individual property owners, homeowners, and real estate investors.
• Seguros Complementarios (Otros Seguros) Portfolio of supplementary insurance products including civil liability for communities, equipment and machinery insurance, life insurance for doormen, automobile insurance, commercial premises insurance, and all-risk construction insurance. Targeted at commercial tenants, building staff, and construction-related service providers operating within or adjacent to insured properties.
• Gestión de Siniestros Claims management service providing end-to-end support for policyholders, including incident reporting, loss adjustment, and payment processing coordination with insurance companies. Offered as a standalone service to accompany clients throughout the entire incident resolution process across all insurance products placed by Seguros CCS.
• Seguro para Cesantía de Gastos Comunes Unemployment insurance for common expense coverage (cesantía de gastos comunes), co-developed by Mapfre and Seguros CCS. This complementary coverage helps condominium communities manage common expense payments when unit owners face financial hardship due to unemployment. Targeted at condominium communities and committees seeking to mitigate default risk on common expense collections.

Quantifiable outcome

• Commission-free for clients: broker commission is paid by the insurer, not the community or policyholder.

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, major and minor.

• MapfrecoreStrategic or Co-development PartnerMapfre is the largest insurer by production share for Seguros CCS at 49.48% of total 2025 production. Seguros CCS places fire insurance, earthquake add-ons, and complementary policies through Mapfre for condominium and building communities. Mapfre and Seguros CCS have also co-developed products such as the unemployment insurance for common expense coverage.
• BCI SeguroscoreStrategic or Co-development PartnerBCI Seguros is the second-largest insurer partner, representing 17.67% of Seguros CCS's total 2025 production. BCI is listed as a key strategic insurer offering fire, earthquake, and liability coverage to building communities through the broker.
• UnniomajorStrategic or Co-development PartnerUnnio accounts for 10.57% of Seguros CCS's 2025 production, making it the third-largest insurer partner. Unnio provides specialty insurance coverage for building communities and is featured as a collaborating insurer on the Seguros CCS platform.
• SuramajorStrategic or Co-development PartnerSura represents 7.04% of Seguros CCS's 2025 production. Sura and Seguros CCS collaborate on comprehensive coverage for communities, with Seguros CCS providing ongoing advisory and claims management support alongside Sura's insurance products.
• ChubbmajorStrategic or Co-development PartnerChubb accounts for 2.58% of total 2025 production. As a global insurer, Chubb provides property and casualty insurance solutions for building communities placed through Seguros CCS, with a focus on comprehensive risk coverage.
• Zurich (Chilena – Zurich)majorStrategic or Co-development PartnerChilena – Zurich represents 4.18% of Seguros CCS's 2025 production. Zurich collaborates with Seguros CCS to offer building and community insurance products in Chile, providing coverage for fire, earthquakes, and complementary risks.
• HDI SeguroscoreStrategic or Co-development PartnerHDI Seguros represents 0.64% of 2025 production and is listed as a collaborating insurer on the Seguros CCS platform, offering coverage for communities and properties alongside the broker's advisory services.
• Reale SeguroscoreStrategic or Co-development PartnerReale represents 0.11% of 2025 production. Reale partners with Seguros CCS to provide insurance coverage for building communities, with Seguros CCS managing client advisory and claims support.
• ConsorciocoreStrategic or Co-development PartnerConsorcio represents 0.40% of 2025 production. Consortium is a collaborating insurer with Seguros CCS for the development of community coverage products in Chile.
• ContinentalminorStrategic or Co-development PartnerContinental accounts for 0.30% of 2025 production. Listed as a minor insurer partner on the Seguros CCS platform.
• SouthbridgeminorStrategic or Co-development PartnerSouthbridge represents 0.10% of 2025 production. A minor insurer partner listed on the Seguros CCS platform.
• FIDminorStrategic or Co-development PartnerFID accounts for 0.06% of 2025 production. A minor insurer partner listed on the Seguros CCS platform.
• ACOSEG (Asociación de Corredoras de Seguros)minorOthersSeguros CCS is a member of ACOSEG, the Association of Insurance Brokers. This membership provides industry representation, professional standards, and networking within Chile's insurance broker community.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Itaú Corredores de Seguros Chile: Chilean insurance brokerage affiliated with Itaú, distributing property and casualty policies through banking channels. Comparable as a domestic competitor for Chilean property insurance distribution, though relying on bank-channel acquisition rather than community/committee-led sales.
• Banchile Corredores de Seguros: Chilean insurance brokerage affiliated with Banco de Chile, placing property and casualty policies for retail and commercial clients domestically. Directly comparable as a Chilean broker competing for property insurance clients, though broader and bank-distributed versus CCS's vertical specialization.

Broad incumbents

• Lockton: Largest privately held global insurance brokerage with Latin American operations placing commercial property and specialty lines. Comparable brokerage function and carrier relationships, but oriented to enterprise accounts rather than community/condominium vertical specialization.
• Willis Towers Watson (WTW): Global insurance and reinsurance brokerage with Latin American operations including Chile. Comparable in intermediating commercial property and casualty placements with major carriers, but serves a much broader, enterprise-oriented client base.
• Arthur J. Gallagher & Co. Large global insurance brokerage serving commercial property and casualty clients. Comparable as a multi-carrier broker competing for Chilean commercial real estate and property business, though at significantly greater scale and broader line coverage.
• Aon Chile: Global insurance brokerage with Chilean operations placing property and casualty coverage for commercial clients including real estate. Comparable as a competing broker channel for Chilean property/condominium insurance, though at vastly larger scale and broader portfolio than Seguros CCS.
• Marsh Chile: Global insurance brokerage with Chilean presence, placing property, casualty, and specialty insurance for commercial and institutional clients. Comparable in core brokerage function and access to major carriers, though focused on enterprise accounts rather than condominium verticals.
• HUB International: North American insurance brokerage expanding across Latin America with multi-line property and casualty capabilities. Comparable in broker intermediation and carrier access, though primarily competing in mid-market commercial rather than community/condominium segments.

Emerging players

• Howden: Fast-growing global specialty insurance broker with expanding Latin American presence. Comparable as a competing broker for property and specialty placements, with growing focus on niche verticals and digital distribution that could threaten CCS's specialty niche.
• Hippo Insurance: US-based insurtech focused on homeowners and residential property insurance, with a tech-led broker model. Comparable as a digitally-native alternative for residential property coverage that signals the longer-term disruption risk for advisory-led brokers like Seguros CCS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@segurosccs?si=oS1BWvTjlyGS9bHw
• LinkedInlinkedin.com/company/segurosccs
• Instagraminstagram.com/segurosccs.cl
• Facebookfacebook.com/ccssegurosgenerales

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Seguros CCS