GNA Seguros

What GNA Seguros does

GNA Seguros is a boutique insurance brokerage (corretora de seguros) headquartered in São Paulo, Brazil, founded in 2013 by sisters Giseli and Tânia Gonçalves Lima. The firm operates from a single office in the Alto de Pinheiros neighborhood, advising individual and small-to-medium business (SMB) clients on multi-line insurance placement and related financial products. Its client base spans multiple industries with no disclosed anchor accounts, and engagement is conducted directly by the founders rather than through a field sales force.

The firm's core offering is insurance distribution, with Porto Seguro — Brazil's largest insurer — serving as the primary carrier partner. Product breadth spans auto, life, health, residential, business, and specialty lines, and has been progressively extended with complementary financial products including consortium (property/auto), private pension, vehicle financing referrals, and banking. A Petlove partnership adds pet insurance to the retail product set. Industry standing is anchored by memberships in Fenacor (the national federation of insurance brokers) and Funenseg (insurance education foundation). Distribution channels are direct and lightweight: phone, WhatsApp, and email, supplemented by a basic website presence. There is no proprietary technology platform, no AI/ML tooling, and no disclosed data assets.

The business model is commission-based: revenue is generated from carrier-paid commissions on placed policies and referral fees on financial products, with no disclosed pricing tiers, subscription model, or premium service offering. The operation has remained small (~5 employees) over 11 years, with no external funding raised, no institutional ownership, and no evidence of geographic expansion or acquisition activity. GNA Seguros functions as a stable, founder-led lifestyle brokerage rather than a venture-scalable distribution platform.

Name

GNA Seguros

Legal name

GNA Seguros

Website

https://gnaseguros.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

GNA Seguros is a small São Paulo-based insurance brokerage, founded in 2013, that distributes multi-line personal and commercial coverage — primarily through a PortoSeguro carrier partnership — to individual and SMB clients across multiple industries, complemented by financial-product referrals such as consortium and pension.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Life insurance products
• Auto insurance coverage
• Health insurance plans
• Business insurance solutions

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: GNA Seguros operates as a Corretora de Seguros (insurance broker/agency), earning commissions from insurance product sales. Revenue is generated through intermediation between insurance carriers and customers, with commission rates typically a percentage of insurance premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

GNA Seguros is a São Paulo-based insurance brokerage (corretora de seguros) that intermediates and sells multi-category insurance and financial products—primarily from Porto Seguro—to individual consumers, families, small businesses, and corporate clients. The portfolio spans life, auto, health, dental, residential, rental, event, hospitality, transport, business, and specialty insurance, plus portable equipment, private pension, consortium, vehicle financing, and credit card offerings. Revenue is generated through sales commissions from carriers, with service delivered via website, phone, WhatsApp, and email in a consultative, personalized model.

Product overview

GNA Seguros is a São Paulo-based insurance brokerage firm founded in 2013 by sisters Giseli and Tania Gonçalves Lima. The company operates as a multi-product insurance and financial services broker offering a comprehensive portfolio of insurance products and financial solutions through the Porto Seguro platform. Core insurance offerings include life insurance (Seguro de Vida, Seguro Vida On), auto insurance (Seguro Auto, Seguro Auto Empresarial), health insurance (Seguro Saúde, Seguro Odontológico, Petlove Saúde), and property insurance (Seguro Residencial, Seguro Condomínio, Seguro Imobiliária). The company also offers specialized business insurance products (Seguros Empresariais, Seguro Garantia, Seguro Eventos, Seguro Bares e Restaurantes, Seguro Hotéis e Pousadas, Seguro para Petshop) and portable equipment insurance (smartphones, notebooks, tablets, cameras). Financial products include private pension plans (Previdência, Previdência para Crianças), consortium plans (real estate, vehicles), vehicle financing, and capitalization titles. The business model centers on Porto Seguro products, with a focus on personalized advisory services for individual and corporate clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Vida (Life Insurance) Life insurance offering coverage for death and accidents for individuals, professionals, and small-to-medium business employees, with benefits including the Bem Viver Program and travel assistance.
• Seguro Vida On Simplified life insurance without health questionnaires, offering coverage starting at R$4.00/month for people aged 16-64, with capitals between R$10,000 and R$200,000.
• Seguro Auto (Auto Insurance) Auto insurance that considers driver profile (age, gender) and offers basic coverages including collision, fire, theft, third-party damage, and passenger protection, with optional coverages such as extra car, glass protection, and franchise insurance.
• Seguro Auto Empresarial (Business Auto Insurance) Business auto insurance with comprehensive coverage options including fire/theft, comprehensive, third-party damage, passengers, Carta Verde for Mercosul countries, and optional coverages like glass protection and extra car.
• Seguro Sade (Health Insurance) Corporate health insurance with ambulatory, hospital, and obstetrics coverage, offering optional co-payment and discounts at pharmacies, gyms, and aesthetic clinics.
• Seguro Odontolgico (Dental Insurance) Dental insurance with a broad national network, allowing free choice of dentist or referral network, available as compulsory or voluntary enrollment for enterprises.
• Seguro para Smartphone (Smartphone Insurance) Mobile phone insurance covering physical damage, theft/robbery, electrical damage, and international warranty, with minimum device value of R$500 and maximum 1-year usage requirement.
• Seguro de Viagem (Travel Insurance) Travel insurance covering personal accidents, trip cancellation, interruption, baggage loss, with medical assistance, dental care, hotel accommodation, and 24-hour travel advisory services.
• Seguro Bike (Bicycle Insurance) Bicycle insurance covering damage, theft, personal accidents, international warranty, and baggage coverage, with additional services including transport assistance and maintenance, for bikes starting at R$3,000.
• Seguro para Equipamentos Portteis (Portable Equipment Insurance) Portable equipment insurance covering smartphones, smartwatches, tablets, notebooks, and cameras against accident, fire, lightning, robbery attempts, and vehicle impact, with optional coverage for theft and electrical damage.
• Seguro Residencial Essencial (Essential Residential Insurance) Essential residential insurance with over 20 coverages protecting against fire, electrical damage, theft, third-party damage, and glass/mirror breakage.
• Seguro Residencial Apartamentos (Apartment Insurance) Apartment insurance covering basic fire/explosion/implosion/smoke/aircraft crash, plus additional coverages for electrical damage, glass breakage, plumbing leaks, flooding, funeral assistance, third-party liability, and collapse.
• Seguro Condomnio (Condominium Insurance) Condominium insurance for vertical residential/commercial/mixed buildings, offices, flats, and horizontal residential complexes, offering emergency services and renewal discounts.
• Seguro Fiana Locatcia (Rental Guarantee Insurance) Rental guarantee insurance enabling property rental without guarantor or deposit, with emergency services, moving discounts, and coverage for rent, condominium fees, utilities, and painting.
• Seguro Imobiliria (Real Estate Insurance) Real estate insurance covering residential and commercial properties against fire, explosion, vehicle impact, windstorms, electrical damage, and riots.
• Seguro Eventos (Event Insurance) Event insurance for corporate, social, sports, religious, promotional, and cultural events, covering organizers, promoters, and third parties in open, semi-open, and closed spaces.
• Seguro Bares e Restaurantes (Bars and Restaurants Insurance) Bars and restaurants insurance with specific coverages including robbery protection for patrons during mass thefts (arrastes), 24-hour repair services, and multiple location policy options.
• Seguro Hotis e Pousadas (Hotels and Inns Insurance) Hotels and inns insurance covering property, installations, equipment, guest belongings, and emergency services with special clauses for the sector.
• Seguro para Petshop e Clnicas Veterinrias (Pet Shop and Veterinary Clinic Insurance) Petshop and veterinary clinic insurance covering property damage (fire, theft) and pet accidents during grooming, with 24-hour repair services and multi-location policy options.
• Seguro Garantia (Contract Guarantee Insurance) Contract guarantee insurance indemnifying for non-compliance in various modalities (competitions, works execution, supply, services, customs, judicial, administrative, and labor), meeting Public Procurement Law requirements.
• Seguros Empresariais (Business Insurance) Business insurance protecting commercial, industrial, and service establishments against fire, smoke, and explosion, with emergency repairs and multiple location coverage options.
• Seguro Transporte Internacional (International Transport Insurance) International transport insurance for export and import operations via air, water, or land, offering over 40 coverages and payment in Brazilian Reais for foreign currency contracts.
• Seguro Transportes Embarcador (Shipper Transport Insurance) Shipper transport insurance offering coverage combinations for goods owners in industry, commerce, and services sectors for road or air transport.
• Seguro Sade Ocupacional (Occupational Health and Safety Insurance) Occupational health and safety insurance providing integrated management for risk prevention, accident reduction, and productivity improvement.
• Previdncia (Private Pension) Private pension plans with flexible contributions, offering conservative fixed-income, fixed-income, and multi-market fund options aligned with individual risk profiles and investment horizons.
• Consrcio (Consortium Plans) Consortium plans for real estate, vehicles, heavy vehicles, and solar panels with no interest charges (only administration fees), offering credit anticipation through bids or lotteries.
• Ttulo de Capitalizao para Aluguel (Rental Capitalization Title) Capitalization title for rental guarantee replacing other lease guarantees, with 12 to 15 month validity and exclusive tenant benefits.
• Carto Porto (Porto Bank Credit Card) Porto Bank credit card with PortoPlus rewards program, free Porto Bank tag without monthly fees, Shell Box fuel discounts, and up to 15% off auto insurance.
• Financiamento de Veculos (Vehicle Financing) Vehicle financing with up to 100% of vehicle value, 60-month terms, personalized rates, free inspection and despachante fees, and up to 45 days to first payment.
• Petlove Sade (Pet Health Insurance) Pet health insurance (formerly Porto.pet) offering veterinary consultations, exams, hospitalizations, surgeries, and home care with a broad network of partner clinics and hospitals.

Quantifiable outcome

• Insurance satisfaction through personalized, unique, and customized service approach

Named customers24 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partnership. GNA Seguros acts as a Corretora de Seguros (insurance broker) reselling Porto Seguro products including auto, life, health, travel, residential, business, and specialty insurance lines. Customers are redirected to Porto Seguro for online purchase and claims processing of these products.
• Petlove (Porto.pet)minorChannel Partner/ Reseller/ DistributorPetlove (formerly Porto.pet) is a partner offering pet health insurance plans. GNA Seguros offers Petlove Saúde product as part of their insurance portfolio, providing veterinary coverage, consultations, exams, hospitalizations, and surgical procedures through a network of partner clinics.
• FenacorminorOthersFederação Nacional dos Corretores de Seguros - National federation of insurance brokers. Industry association providing regulatory support and representation for insurance brokerage professionals.
• FunensegminorOthersFundação Escola Nacional de Seguros - National Insurance School Foundation. Educational institution for insurance sector training and professional development.

Scale indicators3 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Bradesco Seguros: Large Brazilian insurance group affiliated with Banco Bradesco, offering life, health, auto, property, and pension products. Comparable to GNA as a broad multi-line insurance provider whose products overlap heavily with GNA's portfolio, distributed through bancassurance and broker channels.
• SulAmérica: Major Brazilian insurer and health plan operator with broad multi-line coverage including health, life, auto, and pension. Comparable to GNA on health and life distribution overlap, though SulAmérica is itself an underwriter and operates at nationwide scale.
• Porto Seguro: One of Brazil's largest insurance conglomerates, offering auto, home, life, health, and financial products. Comparable to GNA as both a key channel partner and the dominant incumbent whose product shelf GNA resells; they overlap on product categories but Porto Seguro operates at far greater scale with proprietary underwriting.
• Zurich Brasil: Brazilian arm of Zurich Insurance Group offering personal and commercial lines including auto, home, life, and business coverage. Comparable to GNA on overlapping product categories (auto, residential, business) but operates as a carrier at global scale.

Emerging players

• Akko: Brazilian insurtech focused on portable electronics and gadget insurance. Comparable to GNA on the portable equipment insurance line (smartphones, notebooks, cameras) where both serve retail Brazilian customers with similar product features.
• Pier: Brazilian digital insurance broker offering online multi-line coverage for individuals and businesses. Comparable to GNA as a tech-enabled corretora de seguros targeting similar retail and SMB customers, but with a digital-only distribution model.

Direct peers

• Minuto Seguros: Brazilian online insurance comparison and brokerage platform focused on auto and personal lines. Comparable to GNA in targeting retail insurance customers with a multi-carrier product shelf and digital quote flow.
• Justos: Brazilian digital-first auto insurance broker/insurer offering direct online quotes and policy management. Directly comparable to GNA as a Brazilian insurance intermediary competing for the same personal-lines customer with a different (tech-led) go-to-market.
• 180 Seguros: Brazilian online insurance broker (corretora digital) distributing multi-line personal insurance products from multiple carriers. Comparable to GNA as a multi-carrier retail insurance broker serving individual and SMB customers in Brazil.
• Bidu: Brazilian digital insurance broker offering online quotes across multiple personal lines from multiple carriers. Comparable to GNA as a corretora de seguros operating in the same retail customer segment with a digital-first distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights3 records

Customer concentration

• Facebookfacebook.com/1537262396503460
• LinkedInlinkedin.com/company/gna-seguros
• Instagraminstagram.com/gnaseguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 GNA Seguros