Capital Corretora de Seguros

What Capital Corretora de Seguros does

Capital Corretora de Seguros is a privately held Brazilian insurance brokerage founded in 1995 and headquartered at Estrada do Cabuçu, 271 – Loja A in Rio de Janeiro. The company operates from a single retail location with a 12-person team and distributes a broad portfolio of insurance, financial, and health products to individual consumers and families in the Rio de Janeiro metropolitan area.

The product portfolio spans nine insurance lines (residential, real estate, life, cell phone, portable equipment, travel, civil liability, automobile, and heavy equipment insurance), financial products (Porto Bank credit card, consortium plans, real estate and vehicle financing, and secured loans against vehicles or property), and health and dental plans. The firm acts purely as a multi-carrier broker — there is no proprietary technology platform, no API surface, and no AI/ML capability disclosed. Customer-facing touchpoints are a WhatsApp short-link, three phone numbers, an informational website, and the physical storefront.

The business model is transaction-fee commission-based across all three product categories. Go-to-market is direct-to-consumer, with WhatsApp as the primary acquisition and service channel, supported by phone outreach and walk-in consultations. The company has operated continuously for over 30 years without disclosed external investment, parent-company affiliation, or institutional backing, and its operating geography is limited to a single domestic market (Brazil, Rio de Janeiro region).

Name

Capital Corretora de Seguros

Legal name

Capital Corretora de Seguros

Website

https://capitalcorretoradeseguros.com.br

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Corretora de Seguros is a Rio de Janeiro-based insurance brokerage founded in 1995 that distributes residential, automobile, life, and specialty insurance alongside financial products and health/dental plans to individual consumers and families in Brazil via WhatsApp, phone, and a single retail office.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

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

Keywords

• Insurance brokerage
• Personal insurance
• Financial products distribution
• Health and dental plans
• Credit and financing

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Brokerage Commissions: The company earns commissions from selling various insurance products including residential, property, life, cell phone, portable equipment, travel, civil liability, automobile, and heavy equipment insurance policies on behalf of insurance carriers.
2. Financial Products Distribution: Revenue from distributing financial products including Porto Bank credit cards, consortium plans, real estate and vehicle financing, and secured loans against vehicles and property. The company acts as a distribution intermediary earning referral and placement fees.
3. Health and Dental Plans: Commissions earned from brokering health and dental insurance plans to individual and family customers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Capital Corretora de Seguros is a Brazilian insurance and financial products brokerage that intermediates the sale of personal and commercial insurance policies (residential, real estate, life, cell phone, portable equipment, travel, civil liability, automobile, heavy equipment), credit and financing products (Porto Bank credit card, consortium plans, real estate and vehicle financing, secured loans against vehicle or property), and health and dental plans for individual consumers and families in the Rio de Janeiro metropolitan area.

Product overview

Capital Corretora de Seguros is a Brazilian insurance broker with over 30 years of market experience, offering a comprehensive portfolio of insurance and financial products. The company operates as a multi-product intermediary providing insurance coverage (residential, real estate, life, mobile phone, portable equipment, travel, civil liability, automobile, and heavy equipment), financial services (Porto Bank credit card, consortium plans, real estate and vehicle financing, and secured loans), and health and dental plans. The product portfolio is structured as a unified insurance and financial services offering where the core differentiator is the breadth of coverage across personal and commercial lines combined with financial products that complement the insurance offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Insurance (Seguros Residenciais) Insurance coverage for houses and apartments, protecting homeowners against damages, theft, and related residential risks. Targeted at individual families and homeowners in Rio de Janeiro.
• Real Estate Insurance (Seguros Imobiliários) Insurance coverage for property owners and landlords protecting real estate assets against damages, theft, and related risks.
• Life Insurance (Seguros de Vida) Life insurance providing financial protection to families and dependents in the event of the insured's death, covering households in Rio de Janeiro.
• Cell Phone Insurance (Seguros de Celular) Insurance coverage for mobile phones against damage, theft, and loss, targeting individual device owners.
• Portable Equipment Insurance (Seguros de Equipamentos Portáteis) Insurance covering laptops, tablets, and other portable devices against damage, theft, and loss.
• Travel Insurance (Seguros de Viagem) Travel insurance covering trip cancellations, medical emergencies, and other travel-related incidents for individual travelers.
• Civil Liability Insurance (Seguros de Responsabilidade Civil) Civil liability insurance protecting individuals and small operators against third-party claims for damages caused.
• Automobile Insurance (Seguros de Automóvel) Insurance covering private vehicles against accidents, theft, and damages for vehicle owners in Rio de Janeiro.
• Heavy Equipment Insurance (Seguros de Equipamentos Pesados) Insurance for construction machinery and industrial equipment against operational and property risks, targeting small contractors and operators.
• Porto Bank Credit Card (Cartão de Crédito Porto Bank) Credit card product offered in partnership with Porto Bank, distributed to individual customers as part of the financial product portfolio.
• Consortium Plans (Consórcio) Consortium plans that allow customers to acquire assets through pooled installment contributions, distributed via partner administrators.
• Real Estate and Vehicle Financing (Financiamento de Imóvel e Veículo) Financing for real estate and vehicle purchases arranged through partner financial institutions, distributed to individuals and small operators.
• Vehicle- and Property-Secured Loans (Empréstimo com Garantia de Veículo e Imóvel) Secured loans using vehicles or real estate as collateral, providing customers lower-rate liquidity than unsecured credit, arranged through partner lenders.
• Health Insurance Plans (Planos de Saúde) Health insurance plans providing medical coverage for individuals and families, brokered through partner health plan operators.
• Dental Insurance Plans (Planos Odontológicos) Dental insurance plans covering oral health care and dental procedures for individuals and families, brokered through partner operators.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Emerging players

• Justos: Brazilian insurtech launching auto and other personal lines with app-based distribution; competes for the same vehicle-owner and individual-family segments Capital serves, but with a tech-first model that pressures traditional broker commissions.
• Akko Seguros: Brazilian digital insurance broker focused on portable electronics and personal articles — an overlapping niche with Capital's portable equipment and cell phone insurance offerings — competing via online, instant-bind distribution.

Broad incumbents

• SulAmérica: Major Brazilian insurer across health, dental, life, auto, and P&C; Capital distributes its health and dental plans while competing against it for the broader household insurance wallet — a key incumbent counterparty and competitor.
• Icatu Seguros: Brazilian insurer specializing in life, pension, and savings products; competes for the life insurance and long-term financial planning share of household budgets that Capital also targets via its life and consortium offerings.
• Tokio Marine Seguradora: Major Brazilian property & casualty and specialty insurer covering auto, residential, and equipment; a key carrier counterparty and competitor for the heavy equipment, residential and auto lines Capital brokers.
• Bradesco Seguros: Brazilian bancassurance giant offering life, residential, auto, and health plans through bank branch and digital channels; competes with Capital across personal lines while offering integrated financing products similar to Capital's credit/secured loans.
• Porto Seguro: Brazil's largest composite insurer selling auto, residential, life, health, and financial products (including Porto Bank cards, which Capital distributes); the upstream counterparty and most significant competitive incumbent in nearly every product line Capital brokers.
• Wiz Soluções: Brazilian insurance broker network and consulting arm aggregating sales for carriers; a scaled brokerage competitor with similar intermediation economics but national reach and institutional relationships Capital lacks.

Direct peers

• Bidu Corretora: Brazilian insurance marketplace and broker comparing auto, residential, life and health plans from multiple carriers; overlapping product set (residential, auto, life, health) and overlapping customer base of Brazilian families seeking multi-line coverage.
• Minuto Seguros: Brazilian online insurance broker offering multi-line personal insurance comparison and purchase across auto, residential, life, and other products; directly competes with Capital Corretora for the same household insurance buyer but does so digitally rather than via WhatsApp/office.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/capital-corretora-de-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 Capital Corretora de Seguros