BH Seguros (31)3082-0581 _ Seguros de vida, automóvel, residencial entre outros

What BH Seguros (31)3082-0581 _ Seguros de vida, automóvel, residencial entre outros does

BH Seguros Administradora e Corretora de Seguros Ltda is a privately-held insurance brokerage (corretora de seguros) operating from a single office at Rua Rio de Janeiro 441, Sala 1701, Centro, Belo Horizonte, Minas Gerais, Brazil. The firm has been active in the Brazilian insurance market for over 10 years and is structured as a Sociedade Limitada (Ltda) under Brazilian law. Its functional role is intermediation: it does not underwrite risk and develops no proprietary insurance products, instead acting as a licensed agent connecting individual and business customers with multiple third-party insurance carriers.

The company distributes a horizontally diversified portfolio of standard insurance lines, including auto (Seguro de Automóvel, Seguro de Moto, and Suhai's theft-only auto product), life (Seguro de Vida, Brasvida, and PASI/Mapfre group life), residential (Seguro Residencial with Tokio Marine's 'Carro na Garagem' clause), commercial (Seguro Empresarial, Seguro Condomínio, and Seguro de Vida Empresarial), private pension (VGBL/PGBL), and professional liability for healthcare providers. Carrier partners are core to the offering: Suhai Seguradora, Tokio Marine Seguradora, Brasvida Clube de Seguros, PASI/Clube PASI, and Mapfre. No proprietary technology, apps, APIs, or AI systems are built or operated; the firm relies on carrier systems for quote generation and policy management, and on a WordPress website plus WhatsApp/phone for customer engagement.

BH Seguros generates revenue exclusively through commissions paid by insurance carriers on policies sold and renewed, with no subscription, fee, or service-line disclosure. Pricing is quote-based, varies monthly per customer risk profile, and is delivered through consultative sales via phone, WhatsApp, or in-person office visits. The go-to-market is sales-led and direct-to-consumer, targeting individuals, families, and small/mid-sized businesses across Minas Gerais state, with no disclosed enterprise contracts, no headcount figures, no funding events, and no disclosed financials.

Name

BH Seguros (31)3082-0581 _ Seguros de vida, automóvel, residencial entre outros

Legal name

BH Seguros Administradora e Corretora de Seguros Ltda

Website

https://bhseguros.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BH Seguros is a small, privately-held insurance brokerage in Belo Horizonte, Brazil, distributing auto, life, residential, business, and pension insurance from multiple carriers to individuals and SMBs across Minas Gerais state.

Ownership category

akta.pro rank

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: BH Seguros earns revenue through commissions paid by insurance companies (seguradoras) for policies sold and managed. As a licensed insurance broker (corretora de seguros), the company receives a percentage of premiums from partnered insurers including Suhai Seguradora, Tokio Marine, Brasvida, and PASI.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

BH Seguros is an insurance brokerage (corretora de seguros) operating in Belo Horizonte, Minas Gerais, Brazil. The company acts as an intermediary between multiple insurance carriers (Suhai, Tokio Marine, Brasvida, PASI, Mapfre) and customers, providing personalized consultation and policy placement across auto, life, residential, business, motorcycle, private pension, and professional liability insurance products.

Product overview

BH Seguros is an insurance brokerage (corretora de seguros) operating in Belo Horizonte, Minas Gerais, with over 10 years in the market. The company offers a portfolio of insurance products including auto (Seguro de Automóvel, Seguro de Moto), life (Seguro de Vida, Brasvida, Seguro Pasi, Seguro de Vida Empresarial), residential (Seguro Residencial with Tokio Marine's 'Carro na Garagem' extension), business (Seguro Empresarial, Seguro Condomínio), private pension (Previdência Privada VGBL/PGBL), professional liability (Seguro Responsabilidade Civil para Médicos e Dentistas), and specialty products (Seguro Suhai for vehicle theft coverage). The company distributes products from multiple insurance carriers including Tokio Marine, Suhai, Mapfre, Porto Seguro, and Marítima.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Automóvel Comprehensive vehicle insurance covering collision, fire, theft, and third-party damages with optional add-ons including glass coverage, roadside assistance, and new car value protection. Designed for vehicle owners seeking full coverage.
• Seguro de Moto
• Seguro de Vida
• Previdência Privada (VGBL/PGBL)
• Seguro Residencial

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Suhai SeguradoracoreOthersSuhai Seguradora is a key partner providing exclusive theft and robbery insurance for vehicles. Offers coverage for any vehicle make, model, or year with up to 80% cost savings compared to comprehensive insurance. Features no deductible (franquia), 24-hour assistance nationwide, and acceptance of all vehicle types. Regulated by SUSEP.
• Tokio Marine SeguradoracoreOthersTokio Marine is a major insurance partner providing residential insurance products including the innovative 'Carro na Garagem' (Car in Garage) coverage extension. Tokio Marine is part of the Tokio Marine Holdings group, Japan's largest insurance conglomerate, operating in Brazil since 1959 with 52 branches nationwide.
• Brasvida Clube de SeguroscoreOthersBrasvida Clube de Seguros offers life insurance plans designed for simplicity, agility, and high quality. Created to provide life insurance without complicated forms and difficult clauses.
• PASI / Clube PASI de SeguroscoreOthersPASI (Clube PASI de Seguros) provides life insurance solutions for companies, offering coverage for employees, partners, service providers, and interns. Distributed through Mapfre branches and the Clube PASI network.
• MapfrecoreOthersMapfre is a major insurance company that works with PASI for life insurance distribution. Serves as a processing partner for PASI insurance applications with 15-day acceptance analysis period.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Tokio Marine Seguradora: Major Brazilian insurance carrier and direct BH Seguros partner, providing residential and other products. Compares as a broad incumbent in the same product categories (residential, auto) that BH Seguros distributes; also a key supplier partner.
• Wiz Soluções (Wiz Co): One of Brazil's largest insurance brokerage and consulting groups (B3-listed, formerly Wiz Soluções), distributing across many lines through a national branch network. Most relevant incumbent peer at the multi-carrier corretora layer, vastly larger scale but same underlying business model of intermediating between carriers and customers.
• Mapfre Seguros: Global insurance group with a major Brazilian operation, distributing auto, life, and other lines via direct channels and broker networks including BH Seguros (via the PASI partnership). Comparable as a broad incumbent carrier in the same product categories.
• Porto Seguro: One of Brazil's largest insurance and financial services groups, with a major direct auto, residential, and life insurance offering that overlaps the products BH Seguros distributes. Most relevant broad incumbent against which BH Seguros competes for the same Minas Gerais consumers, though with vastly greater scale and brand.

Emerging players

• Justos: Brazilian digital-first auto insurance startup that uses telematics-based pricing to serve the same individual auto insurance customer that BH Seguros targets. Overlaps on product (auto) and customer segment, but Justos acts as a carrier using its own underwriting, whereas BH Seguros is a pure broker.
• Akko Seguradora: Brazilian digital-first insurance startup offering auto, residential, and other products with simplified, mobile-first purchasing. Compares to BH Seguros on customer segment (Brazilian consumers buying auto/residential) and to its digital-first direct-to-consumer distribution model that BH Seguros would need to match to remain competitive.

Direct peers

• 180 Seguros: Brazilian online insurance broker and price-comparison platform offering auto, life, and other personal lines from multiple carriers. Directly comparable multi-carrier corretora model; competes for the same consumer auto/life buyers BH Seguros targets, with a digital-first GTM.
• Minuto Seguros: Brazil's largest online insurance broker, distributing policies from multiple carriers across auto, life, and residential lines via digital channels. Most directly comparable to BH Seguros in terms of multi-carrier brokerage model, differing primarily in digital scale and national (vs. Minas Gerais) reach.
• ComparaSai (formerly ComparaOnline): Brazilian insurance comparison/marketplace platform that aggregates quotes from multiple carriers across auto, life, and other lines. Comparable to BH Seguros on multi-carrier distribution and SMB/consumer targeting, with a fully digital self-service experience.

Others

• Suhai Seguradora: SUSEP-regulated Brazilian insurer specializing in theft-only vehicle coverage, a core product partner of BH Seguros. Compares as an upstream carrier/supplier whose niche product (vehicle theft acceptance for any make/model) underpins BH Seguros' hard-to-insure vehicle value proposition.

Market position

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/bh-seguros

Revenue estimate

Valuation estimate

Number of profiles

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 BH Seguros (31)3082-0581 _ Seguros de vida, automóvel, residencial entre outros