COMBINED Intermediario de Reaseguros S.A.

What COMBINED Intermediario de Reaseguros S.A. does

COMBINED Intermediario de Reaseguros S.A. is a reinsurance intermediary (broker) headquartered in Quito, Pichincha, Ecuador, founded in 2009. The company's name — "Intermediario de Reaseguros" — indicates that its core function is brokering or placing reinsurance contracts between primary insurers (cedents) and reinsurers, a regulated financial-intermediation activity in the Ecuadorian market. The firm operates with a very small headcount of approximately 8 employees, which is consistent with a niche local intermediary serving a defined set of insurance clients in Ecuador rather than a regional or international platform.

The firm's product, technology, and go-to-market posture cannot be characterized from the available data. The public website (combined.com.ec) returned only a verification/loading page ("One moment, please...") with no substantive company, product, pricing, leadership, or service information, and no separate corporate disclosures were accessible. There is no information on carrier/cedent relationships, treaty or facultative specializations, commission structures, regulatory licensing details, ownership, or financials. All technology fields (core_technology, proprietary_features, integrations, AI modalities) are empty, and there are no recorded funding rounds, M&A, leadership changes, or product launches in the source material.

Commercially, the company appears to be a privately held, independent operating entity with no parent company, no subsidiaries, no public ticker, and no disclosed investors. With no website content, no customer references, no management bios, and no operating-geography disclosures beyond the Quito headquarters, the available data supports only a minimal description: a small, locally focused Ecuadorian reinsurance intermediary that has been in operation since 2009 and for which no further operational, financial, or strategic details are publicly documented in the sources reviewed.

Name

COMBINED Intermediario de Reaseguros S.A.

Legal name

COMBINED Intermediario de Reaseguros S.A.

Website

https://combined.com.ec

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

COMBINED Intermediario de Reaseguros S.A. is a small (8-employee) Ecuadorian reinsurance intermediary founded in 2009 and headquartered in Quito, brokering reinsurance placements for insurance clients in the local market.

Ownership category

akta.pro rank

Product category

Reinsurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Treaty Reinsurance Brokerage (FSAOAHAA)

akta.pro secondary industries

Reinsurance Brokerage (FSAEADAE), Facultative Reinsurance Brokerage (FSAOAHAB), Reinsurance & Risk Transfer Platforms (Placement, Treaty/Fac, ILS Tech) (FSAGAGAH)

Keywords

• Reinsurance brokerage
• Reinsurance intermediary
• Reinsurance services
• Insurance broking
• Risk transfer

GTM type

B2B

Offering type

Services

Cost components

Personnel

Core offering

COMBINED Intermediario de Reaseguros S.A. acts as a reinsurance intermediary ("Intermediario de Reaseguros") based in Quito, Ecuador. Founded in 2009 with approximately 8 employees, the firm facilitates reinsurance placements on behalf of insurance companies and other cedents requiring reinsurance capacity. Specific product lines, treaty structures, or service descriptions were not accessible from the available source material.

Differentiator

Problem solved

Functional benefit

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Arthur J. Gallagher (Reinsurance): Gallagher's reinsurance and large-risk practices deliver treaty and facultative placements globally, including in Latin America. Comparable reinsurance brokerage offering with broader portfolio.
• Aon (Aon Reinsurance Solutions): Global reinsurance brokerage powerhouse with deep LATAM treaty and facultative origination capabilities. Directly competes for the same cedent mandates that a Quito-based reinsurance intermediary would pursue.
• Willis Re (WTW): Willis Towers Watson's reinsurance brokerage division — a top-three global reinsurance intermediary with active Latin American treaty placement teams. Materially comparable in core offering (reinsurance intermediation) though at vastly larger scale.
• Lockton Re: Independent global reinsurance broker with growing LATAM presence, focused on treaty and facultative placements. Directly comparable reinsurance intermediation business model.
• Acrisure Re: Reinsurance broking platform within Acrisure, providing treaty and facultative solutions across global markets. Directly comparable reinsurance intermediation model.
• Howden Re: Reinsurance arm of Howden, a fast-growing independent broker expanding its facultative and treaty capability across emerging markets including Latin America. Closely mirrors COMBINED's reinsurance-intermediation focus.
• Guy Carpenter (Marsh McLennan): The largest global reinsurance broker and part of Marsh McLennan, providing treaty and facultative reinsurance intermediation across all major LATAM markets including Ecuador. A direct strategic competitor for any cross-border reinsurance placement.

Direct peers

• Holborn: Independent global reinsurance and specialty broker with a strong facultative placement book across LATAM, Africa, and Asia. Most analogous independent reinsurance intermediary by business model and size relative to global peers.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/combined-intermediario-de-reaseguros-s-a

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 COMBINED Intermediario de Reaseguros S.A.