ACG Aseguradora de Créditos y Garantías S.A

What ACG Aseguradora de Créditos y Garantías S.A does

ACG Aseguradora de Créditos y Garantías S.A. is an Argentine specialty insurer founded in 1964 that underwrites surety bonds (seguros de caución) under the supervision of the Superintendencia de Seguros de la Nación. The company issues four core product families: Garantías Aduaneras (customs guarantees where the beneficiary is ARCA-DGA), Garantías Contractuales (bid, performance, advance payment, and repair fund substitution bonds for public and private construction and supply contracts), Seguro de Caución para Alquileres de Vivienda (rental guarantees covering rent, expenses, and legal costs), and Garantías de Directores (IGJ-mandated director liability bonds), plus a miscellaneous category for judicial and concession guarantees. ACG holds the maximum AAA financial strength rating from Evaluadora Latinoamericana and has been recognized as market leader for 21 consecutive years in the Premios Prestigio de Caución.

The company's technology stack centers on a web transaccional portal (with parallel pre-2024 and post-2024 data systems) that allows producers and corporate customers to retrieve policy copies, invoices, debt details, current account information, and retention certificates. Policies are issued digitally as PDFs with digital signatures under Argentine Ley 25.506, and electronic payment methods span bank transfer, eCheq, direct debit, credit cards, Pago Fácil, Rapipago, and Mercado Pago. There is no evidence of AI/ML, proprietary model development, or API/SDK products.

ACG generates revenue primarily from surety bond insurance premiums (priced as a percentage of contract value or rental amount based on risk) and shares recurring commission income with its licensed producer network. Distribution runs through three channels: a national network of Productores Asesores de Seguros, direct corporate sales for contractual and customs guarantees, and a direct-to-consumer digital channel for rental guarantees. The company employs 48 staff, operates from Buenos Aires headquarters (Torre Fortabat), and maintains regional offices in Córdoba, Mendoza, and Rosario. Ownership is private, appears to be led by the Figueiras family, and the company shows no disclosed M&A, funding rounds, or public valuation.

Name

ACG Aseguradora de Créditos y Garantías S.A

Legal name

Aseguradora de Créditos y Garantías S.A.

Website

https://acg.com.ar

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

ACG Aseguradora de Créditos y Garantías S.A. is a 60-year-old Argentine surety bond insurer issuing customs, contractual, rental, and director liability guarantees. It serves construction firms, import/export businesses, landlords, and corporate directors through a national producer network and digital channels.

Ownership category

akta.pro rank

Product category

Surety Bond Insurance

NAICS

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

SIC

Surety Insurance (6351)

akta.pro industry

PRIMARYFSAJAIAB

Commercial Surety Bonds

Financial & Insurance/Insurance — Motor, Property & Casualty/Surety & Fidelity Bonds

SECONDARYFSAJAIAK

Notary / Bail / Miscellaneous Consumer Bonds

Financial & Insurance/Insurance — Motor, Property & Casualty/Surety & Fidelity Bonds

Keywords

• Surety bond insurance
• Customs duty guarantees
• Contractual performance bonds
• Rental guarantee insurance
• Credit insurance services

Headquarters

HQ city

Ciudad Autónoma de Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Surety Bond Insurance Premiums (Seguro de Caución): Core revenue from issuing surety bond policies that guarantee contractual obligations. Premiums are calculated based on contract value, coverage type, and risk assessment. Policy terms vary from short-term (rental agreements) to long-term (construction contracts).
2. Commission Income from Producers: Insurance producers earn commissions on policies sold, creating a recurring revenue share arrangement that incentivizes producer network growth and retention.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels4 records

Core offering

ACG Aseguradora de Créditos y Garantías S.A. is a regulated Argentine insurance company that issues surety bond (seguro de caución) policies guaranteeing contractual and commercial obligations for businesses and individuals. Its core products include customs duty guarantees for foreign trade, performance and bid bonds for public and private construction and supply contracts, residential rental guarantees covering rent and expenses, director liability guarantees for IGJ compliance, and other approved judicial or concession guarantees. Policies are issued digitally with legally valid electronic signatures and distributed primarily through licensed insurance producers supplemented by direct corporate and consumer sales channels.

Product overview

ACG Aseguradora de Créditos y Garantías S.A. offers a portfolio of surety bond (seguro de caución) products designed to guarantee contractual and commercial obligations. The core offerings include Garantías Aduaneras for foreign trade operations, Garantías Contractuales for public and private works/supply contracts, and the Seguro de Caución para Alquileres de Vivienda for residential rentals. These products share a common infrastructure platform for policy issuance, digital signatures, and customer management. The portfolio also includes Garantías de Directores (IGJ) and Otras Garantías for specialized needs. The Garantía + Fácil add-on provides discounted rental guarantees in partnership with the Buenos Aires city government. The company operates through web transactional portals for policy management and claims processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantías Aduaneras (Customs Guarantees) Insurance bonds designed to guarantee obligations derived from foreign trade operations, where the beneficiary is always ARCA – DGA (Argentina's Customs Authority). Issued to importers and exporters to secure customs duties and trade-related obligations.
• Garantías Contractuales (Contractual Guarantees) Insurance bonds designed to guarantee obligations derived from public or private works or supply contracts, including maintenance of bids (1-5% of budget), contract execution (5-20% of contract value), financial advances, repair fund substitution (5-10% per work certificate), and possession guarantees for materials or fabrication.
• Seguro de Caución para Alquileres de Vivienda (Residential Rental Surety Insurance) A surety insurance guarantee for residential rentals that covers monthly rent payments, common expenses, municipal taxes (ABL), utilities, and legal costs and fees until property restitution. Designed for tenants who lack traditional guarantees (property or co-guarantor) and landlords who need reliable payment protection.
• Garantías de Directores (IGJ) (Director Guarantees) Insurance bonds for company directors as required by the Argentine Inspección General de Justicia (IGJ) regulatory body for corporate governance compliance. Replaces personal asset seizure risk with insurance-backed guarantees for director obligations.
• Otras Garantías (Other Guarantees) Additional approved guarantees that do not fall into other categories, including judicial bonds or concession guarantees, as approved by the Superintendencia de Seguros de la Nación.
• Garantía + Fácil (CABA Discounted Rental Program) A discounted rental guarantee program offering 70% discount exclusively for Ciudad de Buenos Aires properties, provided in partnership with the city's housing program (vivienda.buenosaires.gob.ar). Enables CABA tenants to access rental guarantees at a significantly reduced cost.

Quantifiable outcome

• Policy issuance within 24 hours of complete documentation submission for rental insurance
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• La Caja Seguros Argentina: Argentine insurance carrier offering diverse P&C products including surety. Comparable to ACG as a domestic multi-line insurer with similar regulatory environment.
• Mapfre Argentina: Multinational Spanish-headquartered insurer with significant Argentine presence. Offers broad P&C including surety bonds, competing with ACG in large commercial and corporate accounts.
• Sancor Seguros: Large Argentine cooperative insurer offering broad P&C products including surety bonds. Competes with ACG across multiple commercial lines and has significant market presence.
• Euler Hermes Argentina: Global credit insurance and surety provider with Argentine presence. Competes in the surety and contract bond space with broader international portfolio and underwriting resources.
• HDI Seguros Argentina: International P&C insurer with Argentine operations, offering commercial guarantees and surety products. Competes with ACG for corporate and commercial accounts.
• Federación Patronal Seguros: Mid-sized Argentine P&C insurer offering commercial and surety products. Comparable to ACG in serving Argentine business customers through a regional distribution network.
• Zurich Argentina: Major multinational P&C insurer with Argentine operations offering surety bonds as part of broader commercial lines portfolio. Competes with ACG for large corporate surety customers.
• Boston Compañía Argentina de Seguros: Established Argentine P&C insurer offering surety and commercial guarantee products. Comparable to ACG as a domestic broad-line carrier, though specializing less exclusively in surety.

Direct peers

• Crédito y Caución (Atradius): International surety and credit insurance carrier with Argentine operations. Competes directly with ACG in commercial surety bonds for large contracts and customs guarantees, leveraging global underwriting capacity.
• Alba Compañía Argentina de Seguros: Argentine surety bond specialist directly competing with ACG in the contractual, customs, and rental guarantee segments. Operates under the same SSN regulatory framework and serves the same producer network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/aseguradora-de-creditos-y-garantias-s-a-

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 ACG Aseguradora de Créditos y Garantías S.A