Comin Grupo LCS Correduría de Seguros

What Comin Grupo LCS Correduría de Seguros does

Comin Grupo LCS Correduría de Seguros is an independent insurance brokerage (correduría de seguros) headquartered at C/ Jerónimo Blancas 7, Principal Derecha, 50001 Zaragoza, Spain, operating continuously since 1927 under the legal entity COMIN CORREDURIA DE SEGUROS GRUPO LCS S.L. (CIF B50340124). The firm does not underwrite insurance; it acts as an intermediary that compares, selects, and manages coverage on behalf of clients drawn from more than 25 partner insurance companies including Allianz, Mapfre, Generali, Zurich, AXA, Catalana Occidente, Adeslas, Sanitas, DKV, and Mutua de Propietarios. Its catalog spans personal lines (home, auto, moto, health, life, pet, funeral, travel, accident, savings, pensions), commercial lines (fleet, transport, construction, credit, multi-risk, liability, machinery breakdown, D&O), specialty lines (cybersecurity, GDPR), agricultural and livestock coverage, and a financial planning service.

The business is delivered through a consultative, sales-led GTM motion: free initial audits for businesses, personalized advisory across the insurance lifecycle (selection, claims, renewal), and direct contact via phone, email, WhatsApp, and a web form. The underlying technology stack is conventional — a WordPress website built on the Divi page builder with Google Analytics, Google Site Kit, reCAPTCHA, Wistia video, and Join.chat for live support — with no proprietary software, no API, no SDK, and no AI/ML capabilities disclosed.

Revenue is generated entirely from commissions paid by insurance carriers when policies are placed through the broker; the service is free to customers, with no advisory or policy management fees. The firm is privately held with no disclosed external investors, parent company, subsidiaries, or M&A activity, and serves individuals, SMEs, self-employed professionals, and the agricultural sector concentrated in Zaragoza and the Aragon region of Spain.

Name

Comin Grupo LCS Correduría de Seguros

Legal name

COMIN CORREDURIA DE SEGUROS GRUPO LCS S.L.

Website

https://cominsl.com

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

1–10 employees

Short description

Comin Grupo LCS is an independent insurance brokerage in Zaragoza, Spain, founded in 1927, that places personal, commercial, agricultural, and specialty coverage from 25+ insurance carriers for individuals, SMEs, and self-employed clients in the Aragon region, earning commission-based revenue.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Travel Insurance Coordination (HSACAKAI)

Keywords

• Insurance brokerage
• Personal insurance
• Commercial insurance
• Risk advisory
• Insurance intermediation

Headquarters

HQ city

Zaragoza

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The company operates as an insurance broker (correduria de seguros) and generates revenue through commissions paid by insurance companies (aseguradoras) when customers purchase policies through them. This commission is paid directly by the insurance companies and does not increase the customer's cost. The service is free for customers - no fees are charged for advisory, comparison, or policy management services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Comin Grupo LCS Correduría de Seguros is an independent insurance broker that advises individuals and businesses on, compares across more than 25 partner insurance companies, places, and manages insurance policies across personal, commercial, and savings categories. The firm charges no fees to customers, instead earning commissions paid by insurers, and supports clients throughout the policy lifecycle including free audits, renewals, and claims management.

Product overview

Comin Grupo LCS Correduría de Seguros is a single-location independent insurance brokerage firm based in Zaragoza, Spain, operational since 1927. The company offers a portfolio of insurance and financial services organized into three main categories: (1) Personal insurance products (Seguros Particulares), including home, agricultural, legal defense, motorcycle, automobile, health, pet, travel assistance, funeral, savings, pension, life, and accident insurance; (2) Business insurance products (Seguros de Empresa), including truck, machinery breakdown, transport, construction, credit, fleet, directors & officers, GDPR, cybersecurity, multi-risk, and general liability insurance; and (3) Savings and investment services (Ahorro e Inversión), including financial planning, savings insurance, and investment insurance products. The company does not underwrite its own policies; it acts as an independent intermediary working with over 25 partner insurance companies to compare, select, and manage insurance coverage on behalf of its clients. Services include free insurance audits, policy review, claims management, and ongoing advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Hogar (Home Insurance) Home insurance covering damages to the insured property from fire, water, theft, and other perils; offered to individuals and families.
• Seguro Agrícola (Agricultural Insurance) Agricultural insurance protecting farming and livestock operations against production losses and property damage; targeted at Aragón farmers and livestock owners.
• Seguro de Defensa Jurídica (Legal Defense Insurance) Legal defense insurance covering legal expenses and representation for the insured; offered to individuals.
• Seguro de Moto (Motorcycle Insurance) Motorcycle insurance covering liability, damage, and theft for motorcycles; offered to individuals.
• Seguro de Coche (Auto Insurance) Automobile insurance covering liability, vehicle damage, and theft for cars; offered to individuals.
• Seguro de Salud (Health Insurance) Private health insurance providing access to medical specialists, hospital care, and outpatient services without public-system waiting lists; offered to individuals and families.
• Seguro de Mascota (Pet Insurance) Pet insurance covering veterinary expenses, liability, and other pet-related risks; offered to individuals.
• Seguro de Asistencia en Viajes (Travel Assistance Insurance) Travel assistance insurance covering medical emergencies, trip cancellations, and lost luggage while traveling; offered to individuals.
• Seguro de Decesos (Funeral Expense Insurance) Funeral expense insurance covering costs associated with end-of-life services; offered to individuals and families.
• Seguro de Ahorro (Savings Insurance) Savings insurance product designed to generate interest on savings with flexible planning; offered to individuals.
• Seguro de Pensiones (Pension Insurance) Pension insurance product for retirement savings and long-term financial planning; offered to individuals.
• Seguro de Vida (Life Insurance) Life insurance providing financial protection for the insured's family in case of death or disability, including coverage for mortgage-linked policies; offered to individuals.
• Seguro de Accidentes (Accident Insurance) Accident insurance covering injuries and related expenses from accidents; offered to individuals.
• Seguro de Camiones (Truck Insurance) Truck insurance covering commercial trucks used in business operations; offered to businesses.
• Seguro de Avería de Maquinaria (Machinery Breakdown Insurance) Machinery breakdown insurance covering the repair or replacement of damaged business equipment and machinery; offered to businesses.
• Seguro de Transporte (Transport Insurance) Transport insurance covering goods and cargo during transit against damage, loss, and theft, available in all-risk, first-loss, named-risk, and floating modalities; offered to businesses.
• Seguro de Construcción (Construction Insurance) Construction insurance covering risks associated with building projects and construction activities; offered to businesses.
• Seguro de Crédito (Credit Insurance) Credit insurance protecting businesses against unpaid invoices and client insolvency; offered to businesses.
• Seguro de Flotas (Fleet Insurance) Fleet insurance covering multiple vehicles under a single policy for businesses with vehicle fleets; offered to businesses.
• Seguro de Directivos (Directors and Officers / D&O Insurance) Directors and officers (D&O) insurance protecting executives from personal liability arising from management decisions; offered to businesses.
• Seguro de RGPD (GDPR Compliance Insurance) GDPR compliance insurance covering legal costs and fines arising from data protection regulation violations; offered to businesses.
• Seguro de Ciberseguridad (Cybersecurity Insurance) Cybersecurity insurance covering ransomware, phishing, data breaches, and business interruption from cyber incidents, including legal liability for data protection violations; offered to businesses.
• Seguro Multirriesgo Empresarial (Business Multi-Risk Insurance) Business multi-risk insurance combining coverage for property damage, business interruption, and civil liability in a single policy; offered to businesses.
• Seguro de Responsabilidad Civil (General Liability Insurance) General liability insurance protecting businesses against third-party claims for bodily injury, property damage, and economic losses; offered to businesses.
• Planificación Financiera (Financial Planning) Financial planning service helping individuals and businesses organize their finances and plan for long-term goals.
• Seguro de Inversión (Investment Insurance) Investment insurance protecting both the invested capital and generated returns against market and operational risks.

Quantifiable outcome

• More competitive insurance prices through negotiating power from working with multiple insurers

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

24 partnerships are on record, tiered core.

• Plus Ultra SeguroscoreOthersInsurance provider partnered with Comin to offer insurance products. Phone: 917838383.
• Prevision MallorquinacoreOthersInsurance provider partnered with Comin to offer insurance products. Phone: 914315654.
• MGS SeguroscoreOthersInsurance provider partnered with Comin to offer insurance products. Phone: 917572404.
• Catalana OccidentecoreOthersInsurance provider partnered with Comin to offer insurance products. Phone: 913939030.
• DKV SeguroscoreOthersHealth insurance provider partnered with Comin. Phone: 902499300.
• Fiatc SeguroscoreOthersInsurance provider partnered with Comin offering multiple coverage types. Phone: 900302020.
• Berkley SeguroscoreOthersInsurance provider partnered with Comin to offer insurance products.
• ASEFA SeguroscoreOthersInsurance provider partnered with Comin to offer insurance products. Phone: 917812228.
• Arag SeguroscoreOthersInsurance provider partnered with Comin, specializing in legal and travel insurance. Phone: 934858907.
• AdeslascoreOthersHealth insurance provider partnered with Comin. Phone: 900322237.
• SanitascoreOthersHealth insurance provider partnered with Comin. Phone: 902102400.
• AllianzcoreOthersInsurance provider partnered with Comin offering home, auto, and legal coverage. Phone: 913255258.
• MapfrecoreOthersInsurance provider partnered with Comin offering auto and health coverage. Phone: 915811818.
• GeneralicoreOthersInsurance provider partnered with Comin offering multiple coverage types. Phone: 902333433.
• ZurichcoreOthersInsurance provider partnered with Comin offering auto and multi-risk coverage. Phone: 934165040.
• CasercoreOthersInsurance provider partnered with Comin offering auto, home, and travel coverage. Phone: 902337766.
• AXAcoreOthersInsurance provider partnered with Comin offering home and auto coverage. Phone: 918070055.
• Liberty SeguroscoreOthersInsurance provider partnered with Comin offering auto and multi-risk coverage. Phone: 900101369.
• HelvetiacoreOthersInsurance provider partnered with Comin offering auto coverage. Phone: 913939057.
• Reale SeguroscoreOthersInsurance provider partnered with Comin offering auto, home, and legal coverage. Phone: 910920263.
• Seguros BilbaocoreOthersInsurance provider partnered with Comin. Phone: 902456645.
• Mutua de PropietarioscoreOthersInsurance provider partnered with Comin for property coverage. Phone: 935175098.
• OcasocoreOthersInsurance provider partnered with Comin. Phone: 917039010.
• Patria HispaniacoreOthersInsurance provider partnered with Comin. Phone: 934857305.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Espabrok: Spanish association/network of independent insurance brokerages operating across Spain. Highly comparable as a network of regional corredores de seguros serving individuals and SMEs with multi-carrier offerings — closest structural analogue to Comin's business model in Spain.

Broad incumbents

• Aon Spain: Global insurance brokerage with Spanish operations offering commercial risk, reinsurance, and human capital solutions. Comparable distribution model (carrier-agnostic broker), but with focus on large corporate accounts and global capabilities absent from Comin's regional offering.
• Marsh Spain: Global insurance brokerage and risk advisory firm with a significant Spanish presence. Comparable to Comin as a multi-carrier insurance intermediary, but operates at much larger scale serving corporate clients across Spain rather than regional SMEs and individuals.
• Willis Towers Watson Spain: Global advisory and brokerage firm with Spanish operations across risk, insurance, and benefits. Comparable as an insurance intermediary, but operates at enterprise scale with services spanning actuarial, consulting, and large-account brokerage beyond Comin's regional SME/individual scope.
• Arthur J. Gallagher Spain: Global insurance brokerage with operations in Spain focused on commercial and specialty lines. Comparable independent broker model with multiple carrier relationships, though serving predominantly larger commercial clients versus Comin's regional personal/SME book.
• Howden Spain: International insurance broker with growing Spanish presence offering commercial and personal lines through independent broker partnerships. Comparable as a multi-line insurance intermediary; similar business model but international scale and corporate focus differ from Comin's local consumer/SME focus.

Others

• Catalana Occidente: Spanish insurance group with multi-line offerings and a large traditional broker network (including NorteHispana Seguros). Comparable in product breadth and Spanish market presence, though operates as both carrier and acquirer of regional broker networks.
• Mapfre: Largest Spanish insurance carrier and one of Comin's carrier partners. Listed as a competitor because Mapfre increasingly sells direct to consumers and SMEs, disintermediating brokers like Comin on the very lines Comin distributes.
• SegurCaixa Adeslas: Major Spanish health and multi-line insurer affiliated with CaixaBank, also a Comin carrier partner. Competes with Comin via direct bancassurance distribution and large-scale digital channels, particularly in health and home insurance.

Regional players

• Markel Spain: Specialty insurer/broker in Spain focused on niche and SME commercial lines (similar to Comin's business book). Comparable in product focus on commercial/specialty risks and presence in the Iberian market, though Markel typically underwrites rather than intermediates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/comin-grupo-lcs

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 Comin Grupo LCS Correduría de Seguros