Fronting Correduría de Seguros

What Fronting Correduría de Seguros does

Fronting Correduría de Seguros, S.L. is a private Spanish insurance brokerage (correduría de seguros) headquartered in Seville, operating under the commercial name "Fronting." The company functions as an independent intermediary between clients and insurance companies, offering a broad portfolio of insurance products including health, life, funeral/death, pet, home, auto, business/SME, accident, building/community, savings and investment, and public administration insurance, as well as online-distributed temporary vehicle (Seguro por Días) and travel insurance. Unlike a tied agent, Fronting is not bound to any single insurer and can offer products from multiple providers, including generalist insurers, reinsurance entities, underwriting agencies, and specialist companies.

The company's core technology stack consists of an exclusive brokerage management platform (Software Exclusivo) and a private intranet (Intranet Privada) that support franchise portfolio management and operations, alongside the FrontingWork portal for registered users and franchisees. The bundled tech stack is designed to support franchisee autonomy — intermediaries retain full control over their policy portfolios using their own credentials. The company is registered with the DGSFP (Spanish insurance regulator) under number J-3501 and is GDPR/LOPD compliant.

Fronting's business model is a franchise-based distribution network. It recruits insurance professionals (mediadores) under franchise agreements, providing them with the Fronting brand, exclusive software, marketing support, continuous training, legal support, and collective negotiation power with insurers. Revenue is generated through commissions paid by insurance companies for policies placed through the brokerage network. Franchise formats include "Fronting Full," "Fronting Pocket," and "Fronting Oficina." The company operates through more than 15 branch offices across seven Spanish regions (Andalusia, Castilla-La Mancha, Catalonia, Extremadura, Galicia, Melilla, and Asturias), with revenue supplemented by direct online channels for certain products.

Name

Fronting Correduría de Seguros

Legal name

Fronting Correduración de Seguros, S.L.

Website

https://fronting.es

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Fronting Correduría de Seguros is a private Spanish insurance brokerage recruiting independent professionals into a franchise network of 15+ branches across Spain, distributing health, life, auto, home, and specialty insurance products through independent intermediaries under the Fronting brand.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage
• Insurance intermediation
• Insurance distribution
• Insurance franchise
• Risk placement services

Headquarters

HQ city

Sevilla

HQ country

Spain

HQ region

Europe

Offices19 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: The company acts as an insurance broker (correduría de seguros), intermediary between clients and insurance companies. Revenue is generated through commissions paid by insurance companies for policies placed through the brokerage network.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Fronting Correduría de Seguros is an independent Spanish insurance brokerage that intermediates between policyholders and insurance companies, distributing a comprehensive portfolio of insurance products (health, life, auto, home, business, pet, public administration, savings and investment, and more) through a franchise network of more than 15 branch offices across Spain. The company also runs an online contracting channel for temporary vehicle and travel insurance, and recruits insurance professionals into its franchise program "befree," providing them exclusive software, marketing, training, legal support, and collective insurer negotiation.

Product overview

Fronting Correduría de Seguros is an insurance brokerage operating as a franchise-based multi-channel distribution network. The company offers a comprehensive portfolio of insurance products through both physical branch offices (more than 15 locations across Spain) and digital channels. Core products include health, life, funeral/death, pet, boat, building, home, business/SME, accident, and auto insurance, complemented by online offerings such as temporary vehicle insurance (Seguro por Días) and travel insurance. The franchise program (Franquicia Fronting befree) provides professionals exclusive software, marketing support, continuous training, legal support, and preferential rates with insurance providers. Digital platforms include FrontingWork for registered users and a 100% online contract portal for temporary insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• Fronting Full: Office format offered within the Fronting franchise network
• Fronting Pocket

Products and services

• Seguro por Días (Temporary Vehicle Insurance) Short-term/temporary vehicle insurance that can be purchased 100% online without registration, under Fronting guarantee, accessed through the website's contracting page and linked to the seguropordias.com platform.
• Seguro de Viaje (Travel Insurance) 100% online travel insurance distributed through the Europ Assistance private access platform, offered under Fronting guarantee.
• Salud (Health Insurance) Health insurance brokerage for individuals and companies, working with most insurers in the segment, covering options with/without copayments, hospitalization, and expense reimbursement.
• Vida (Life Insurance) Life insurance brokerage covering family protection, mortgage-linked coverage, and other life protection needs.
• Decesos (Funeral/Burial Insurance) Family protection insurance covering funeral expenses, administrative procedures, repatriation services, psychological support, and flexible coverage options.
• Mascotas (Pet Insurance) Pet insurance products covering veterinary expenses, third-party liability, and other pet-related risks.
• Embarcaciones (Boat Insurance) Insurance coverage for boats and watercraft vessels.
• Edificios/Comunidades (Building/Community Insurance) Property insurance for residential buildings and homeowner communities.
• Hogar (Home Insurance) Home insurance coverage for residential properties.
• Empresa/Pymes (Business/SME Insurance) Business and small-to-medium enterprise insurance solutions covering multi-line commercial risks.
• Accidentes (Accident Insurance) Personal accident insurance coverage for individuals.
• Autos (Auto Insurance) Vehicle/automobile insurance brokerage coverage for cars and other vehicles.
• Patines (Scooter Insurance) Insurance coverage for electric scooters and similar personal light electric vehicles.
• Ahorro e Inversión (Savings and Investment Insurance) Insurance-based savings and investment products for retirement and financial planning, including investment-linked policies.
• Administraciones Públicas (Public Administration Insurance) Specialized insurance solutions for Spanish public administration entities and government organizations, including risk assessment, magnitude calculation, and tolerance services.
• Franquicia Fronting - befree (Franchise Program) Franchise business model offering multiple distribution channels (Fronting Full and Fronting Pocket office formats) for insurance professionals operating under the Fronting brand, providing exclusive software, marketing support, continuous training, legal support, and direct insurer negotiation services.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature2 records

Partnerships

One partnership is on record.

• Various Insurance CompaniescoreOthersFronting maintains relationships with multiple insurance companies including generalist insurers, reinsurance entities, underwriting agencies (agencias de suscripción), and specialist insurance companies. They negotiate directly with these providers on behalf of their franchise network and clients to obtain competitive pricing and coverage options. The company works with the majority of insurers operating in the health, savings, and other insurance segments they serve.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh España: Spanish arm of global insurance broker Marsh, serving large corporate and specialty risks including public-administration placements. Competes with Fronting's Administraciones Públicas and special-risk (reaseguro, agencias de suscripción) brokerage activity at the larger end of the market.
• Howden Iberia: Iberian operations of international broker Howden, active in commercial, specialty and reinsurance brokerage. Overlaps with Fronting's special-risk placement and collective-negotiation franchise value proposition for SMEs.
• SegurCaixa Adeslas: Leading Spanish health and multi-line insurer with strong direct and broker distribution. Relevant as one of the carrier counterparties Fronting places health and other policies with, and as a benchmark for the health brokerage segment Fronting serves.
• Aon España: Spanish operations of global broker Aon, active across commercial, public-sector and reinsurance brokerage. Overlaps with Fronting on multi-carrier placement and risk advisory for larger clients.
• Willis Towers Watson España: Spanish unit of WTW, offering commercial brokerage, risk management and reinsurance services. Comparable to Fronting's commercial and special-risk brokerage lines, including public-administration work.

Direct peers

• Acierto.com: Spanish online insurance brokerage and comparator placing personal and SME policies across multiple insurers. Direct competitor to Fronting's auto, home, health and life brokerage activity, particularly through digital channels.
• Rastreator: Leading Spanish insurance price-comparison platform owned by Grupo Mutua Madrileña, intermediating auto, home, health and other personal lines. Direct competitive overlap with Fronting on multi-carrier consumer brokerage.

Others

• Europ Assistance España: Spanish unit of global assistance and travel-insurance specialist. Currently a Fronting partner for online travel insurance distribution; an adjacent infrastructure provider in the value chain Fronting operates in.

Emerging players

• Coverfy: Spanish insurtech offering app-based personal insurance brokerage and policy management. Represents the digital-first model that increasingly competes for the same individual/SME customers Fronting serves via its branches.

Peers

• Mutua Madrileña: Major Spanish mutual insurer operating across auto, home, life, health and savings. Relevant as a key carrier counterparty for Fronting's franchise placements and a benchmark for the savings/investment and multi-line brokerage activity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Fronting_Seg
• LinkedInlinkedin.com/company/fronting-corredur%C3%ADa-de-seguros

Compliance6 records

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 Fronting Correduría de Seguros