Bais Seguros Corporativos

What Bais Seguros Corporativos does

Bais Seguros Corporativos is a Brazilian insurance intermediary founded in April 2017 and headquartered in Águas Claras, Brasília, DF. The company operates as a Technical and Commercial Agency that centralizes demand from independent insurance brokers (corretores de seguros) and connects that demand to a curated panel of four partner insurance carriers: Berkley Brasil Seguros (a subsidiary of W. R. Berkley Corporation), Pottencial Seguradora, Essor Seguros (part of SCOR SE), and JNS Seguradora. Its services to brokers — risk underwriting support, operational intermediation, process alignment, commercial networking, and bidding consultancy — are provided at no additional cost, with revenue generated exclusively via commissions on insurance policies sold through the broker network in the Centro-Oeste region of Brazil.

The company is founder-owned and run by Executive Director Patrícia Bais and co-founder/Commercial Director Flávio Siqueira; it has no recorded outside funding, no parent company, and a headcount of 6 employees. Its product surface spans 18 corporate lines: Seguro Garantia and its many subtypes (bid/construction/supply/service retention, advance payment, administrative, corrective maintenance, customs/transit, concession, completion, judicial deposits in labor/tax/execution proceedings), Fiança Locatícia (rental guarantee), a full General/Environmental/Professional E&O/D&O/Civil Works liability suite, Corporate Benefits (health, dental, group life, personal accident), Engineering Risk, Equipment insurance, Event and Film Production insurance, Transportation, and personal lines (life, borrower, bike, residential).

There is no proprietary technology platform, no app, no API, and no AI component. GTM is sales-led and partner-channel led, combining a website and content blog (top-of-funnel), industry fairs and events (mid-funnel), and ongoing broker-partner training and commercial networking. The business model is strictly commission-based on policies bound by brokers through BAIS partner carriers; commission rates are variable by product and risk profile (e.g., a disclosed R$200 premium tier exists for a specific judicial guarantee product). The firm positions itself as a regional specialist in complex corporate financial lines rather than a mass-market broker.

Name

Bais Seguros Corporativos

Legal name

Bais Seguros Corporativos

Website

https://baisseguros.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Bais Seguros Corporativos is a Brasília-based technical and commercial insurance agency founded in 2017 that supports independent insurance brokers in the Centro-Oeste region of Brazil, earning commissions by intermediating corporate financial lines (surety bonds, liability, benefits, engineering, transport) through partner carriers Berkley, Pottencial, Essor, and JNS.

Ownership category

akta.pro rank

Product category

Corporate Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro industry

PRIMARYFSAEADAB

Commercial Lines Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Corporate insurance brokerage
• Surety bond insurance
• Insurance consultancy services
• Civil liability insurance
• Broker support agency

Headquarters

HQ city

Brasília

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. Commission from Insurance Sales: BAIS earns commissions from insurance products sold through its network of partner brokers and insurance companies. The company provides technical and commercial consultancy services to insurance brokers without additional costs to them.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Bais Seguros Corporativos operates as a technical and commercial agency (intermediary) that connects independent insurance brokers with partner insurance companies (Berkley Seguros, Pottencial Seguradora, Essor Seguros/SCOR, JNS Seguradora) for the corporate insurance segment. It provides free technical, operational, and commercial support to brokers, including risk underwriting, policy contracting intermediation, portfolio management, bidding consultancy, and training, and earns commissions on the resulting insurance placements. Its core focus is on financial lines such as surety bonds, civil liability, D&O, engineering, events, transportation, and corporate benefits sold via brokers.

Product overview

Bais Seguros Corporativos is a technical and commercial agency specializing in financial lines for the corporate insurance segment. The company operates as an intermediary between insurance brokers and partner insurance companies (Berkley, Essor, Pottencial), providing technical and commercial support services. The product portfolio centers on corporate risk management products including Seguro Garantia (Surety Bonds) with multiple subtypes (Judicial, Licitante, Construction, etc.), Rental Insurance (Fiança Locatícia), various Civil Liability products (General, Environmental, Professional E&O, D&O, Civil Works), Corporate Benefits (Health, Dental, Life, Accident), Equipment/Engineering Insurance (RD Equipamentos, Riscos de Engenharia), Entertainment/Events Insurance, Transportation Insurance, and Personal Insurance products (Life, Bike, Residential). The company does not offer a single unified software platform but rather serves as a consultative intermediary providing technical expertise and commercial support for insurance product distribution.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Garantia (Surety Bond) Corporate surety bond product covering multiple guarantee types including bid bonds (licitante), construction, supply, services, payment retention, advance payment, administrative guarantee, corrective maintenance, customs transit, temporary admission, infrastructure execution (loteamento), real estate exchange (permuta imobiliária), energy payment, concession, area-use concession, completion bonds, and judicial deposits (labor, tax, and execution). Sold via partner insurers to corporate clients through BAIS's broker network.
• Seguro Garantia Judicial (Judicial Surety Bond) Structured guarantee insurance for judicial processes, serving as an alternative for immediate collateral, release of judicial deposits, or asset seizure in civil, labor, and tax execution proceedings. Distributed to corporate clients through BAIS's broker network.
• Seguro Garantia – Depósito Recursal (Appeal Deposit Surety Bond) Insurance bond accepted as an alternative to deposit for appeals in labor cases, guaranteeing fulfillment of future obligations and indemnities in employer conviction cases. Sold via JNS Seguradora and other partner insurers through BAIS's broker network.
• Seguro Aluguel – Fiança Locatícia (Rental Surety Insurance) Rental insurance for both legal entities and individuals, substituting guarantors with advantages for landlords and tenants, distributed via partner insurer Berkley Seguros.
• Responsabilidade Civil Geral (General Civil Liability Insurance) General liability insurance reimbursing the insured for amounts obligated to pay for involuntary material or bodily damages caused to third parties, including moral damages. Modalities include RC Obras Civis, RC Operações, RC Prestação de Serviços em locais de terceiros, and RC Produtos Exterior.
• Responsabilidade Civil Ambiental (Environmental Liability Insurance) Environmental liability insurance covering contaminant conditions from sudden or gradual events causing damage to the environment and/or third parties related to factory, industry, construction, or service activities.
• RC Profissional E&O (Professional Liability – Errors and Omissions) Professional liability insurance covering errors and omissions, providing legal support when the insured is summoned to court by clients or third parties.
• RC Administradores D&O (Directors and Officers Liability Insurance) Directors and Officers liability insurance protecting the assets of individuals in management positions due to judicial condemnation for decisions made during their tenure.
• RC Obras Civis (Civil Construction Liability Insurance) Civil construction liability insurance covering bodily and material damages caused to third parties during civil works and/or assembly, installation, and maintenance services.
• Benefícios Empresariais (Corporate Benefits Insurance) Corporate benefits package including health insurance, dental (Odonto), group life insurance, and personal accident coverage, distributed through BAIS's broker network.
• Seguro de Vida Empresarial (Business Life Insurance) Business life insurance typically contracted by companies, unions, or associations to provide benefits and protection for employees or members.
• RD Equipamentos – Riscos Diversos (Miscellaneous Risks Equipment Insurance) Equipment insurance covering damages caused by accidents, theft, and qualified robbery, including traditional, photovoltaic, agricultural, medical/hospital, and cinematographic equipment.
• Riscos de Engenharia (Engineering Insurance) Engineering insurance guaranteeing physical damages from sudden and unforeseen events during construction execution, applicable to new constructions, renovations, and expansions.
• Entretenimento – Eventos (Event Insurance) Event insurance providing coverage for sporting, cultural, concerts, fairs, and exhibitions, covering losses from unforeseen events.
• Entretenimento – Produção de Filmes (Film Production Insurance) Film production insurance covering material and bodily damages to third parties during pre-production, production, and post-production phases, including cancellation coverage.
• Seguro Transporte (Transportation Insurance) Transportation insurance guaranteeing losses and damages to goods belonging to or under the responsibility of the insured during international or national transport.
• Seguro Pessoas (Personal Lines – Prestamista, Vida, Bike, Residencial) Personal insurance products distributed by BAIS including borrower (prestamista), life, bicycle, and residential coverage.
• Seguro Bike (Bicycle Insurance) Bicycle insurance covering losses and material damages to sporting bicycles caused by accidents, robbery, or qualified theft during transport or while stored at the insured's residence.

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and supporting.

• Berkley Seguros (Berkley Brasil Seguros)coreChannel Partner/ Reseller/ DistributorBerkley Brasil Seguros is a member of W. R. Berkley Corporation, an American company founded in 1967, present in Brazil since 2006. BAIS provides commercial consultancy and distributes Berkley's corporate insurance products including seguro garantia and rental insurance.
• Pottencial SeguradoracoreChannel Partner/ Reseller/ DistributorPottencial is a Minas Gerais-based Insurtech and market leader in Seguro Garantia (Surety Bond), certified as A (bra) by Fitch Ratings. BAIS distributes Pottencial's guarantee insurance products to corporate clients.
• Essor Seguros (SCOR Group)coreChannel Partner/ Reseller/ DistributorEssor Seguros is part of SCOR SE, one of the world's largest reinsurance groups, operating in Brazil for 10 years with national presence and differentiated products. BAIS distributes Essor's guarantee insurance products.
• JNS SeguradorasupportingChannel Partner/ Reseller/ DistributorJNS Seguradora is a partner insurance company for Seguro Garantia Recursal products. BAIS provides commercial consultancy for JNS products including support for broker registration and policy issuance.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Others

• Pottencial Seguradora: Pottencial Seguradora is a Brazilian Insurtech and market leader in Seguro Garantia (surety bonds), rated A(bra) by Fitch, and a Core partner of BAIS. It is comparable as the dominant specialty surety carrier in Brazil that BAIS distributes through, rather than as a competitor in brokerage.
• Berkley Brasil Seguros: Berkley Brasil is the Brazilian subsidiary of W.R. Berkley Corporation and a Core distribution partner of BAIS for surety and rental insurance. It is comparable as a specialty surety and corporate-lines underwriter in Brazil that relies on broker distribution channels rather than competing with BAIS's intermediary role.

Broad incumbents

• Aon Brasil: Aon is a global insurance and reinsurance broker with deep Brazil presence, providing commercial risk placement, surety, and corporate benefits consulting. Like Marsh, it competes with BAIS in the corporate brokerage segment but with vastly greater scale, global carrier relationships, and analytics capabilities.
• Lockton Brasil: Lockton is the world's largest independent insurance broker, with a Brazil office focused on commercial and specialty risk placement for corporate clients. It competes for the same corporate insurance buyers BAIS targets via brokers, but with global scale and broader specialty capabilities.
• Willis Towers Watson Brasil: WTW is a major global insurance and reinsurance broker with Brazil operations covering commercial risk, surety, and corporate benefits advisory. It is a broader incumbent relative to BAIS's regional specialty focus but serves overlapping corporate clients in commercial insurance placement.
• Itaú Seguros: Itaú Seguros is the insurance arm of Itaú Unibanco, one of Brazil's largest financial conglomerates, distributing life, health and commercial lines through bank channels and broker networks. It is a broad incumbent competing for the corporate insurance wallet BAIS serves, though its distribution is dominated by bancassurance rather than specialty brokerage.
• Marsh Brasil: Marsh is one of the world's largest insurance brokers and risk advisors, with a substantial Brazil operation placing commercial, surety, D&O, and corporate liability lines. It directly competes with BAIS for corporate insurance brokerage business in Brazil but operates a much broader global portfolio and serves large multinational accounts.
• Tokio Marine Seguradora: Tokio Marine is one of Brazil's largest insurers, distributing commercial, surety and corporate lines through a large broker network. It is an incumbent relative to BAIS's brokerage role and operates as a carrier partner rather than a sub-broker, but competes for the same end-corporate-client wallet.
• Porto Seguro: Porto Seguro is a leading Brazilian insurance group covering auto, property, life and commercial lines, with a sizable broker and agency network. While its primary franchise is consumer, it competes for the same corporate insurance pool that BAIS accesses through brokers and offers similar multi-line coverage breadth.
• Arthur J. Gallagher Brasil: Arthur J. Gallagher (AJG) is a top-5 global insurance broker with growing Brazil operations across commercial lines, surety, and risk management. It competes with BAIS for mid-market and corporate accounts in Brazil while offering a broader international footprint and broader product range.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/baisseguros

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 Bais Seguros Corporativos