Minha Terra Corretora de Seguros

What Minha Terra Corretora de Seguros does

Minha Terra Administradora e Corretora de Seguros Ltda. (Grupo Minha Terra) is a privately held insurance brokerage incorporated in São Paulo, Brazil, founded in August 1998 and registered with SUSEP under number 10035428-7. The company was formed as an association of six regional insurance brokers and operates six physical branch offices in interior São Paulo state municipalities: Caconde, Casa Branca, Espírito Santo do Pinhal, Mococa, São João da Boa Vista, and São José do Rio Pardo, each staffed with dedicated commercial, operational, and claims personnel.

The brokerage distributes insurance products from 22+ carriers — including Tokio Marine (the flagship partner since the first issued policy in 1998), Bradesco, Allianz, Porto Seguro, Zurich, SulAmérica, Mapfre, Metlife, HDI, Sompo, Generali, Icatu, Itaú, Unimed, Liberty, Mitsui, Capemisa, Essor, Aliro, Azul, Alfa, Suhai, and Excelsior — across three core lines: automobile (Seguros de Automóvel), business/commercial (Seguros Empresariais), and family (Seguros Familiares), supplemented by a 24-hour assistance service module.

The revenue model is transaction-based, earning commissions on policies placed with partner carriers; pricing is quote-driven per policy. Customer acquisition runs primarily through the six-branch physical footprint and word-of-mouth referrals, with no disclosed digital marketing, mobile app, or self-service API. The founder, Jean Douglas Theodoro da Silva, who conceived and formalized the group in 1997-1998, passed away in May 2017; current ownership structure is unspecified. No funding rounds, acquisitions, or institutional investors are recorded.

Name

Minha Terra Corretora de Seguros

Legal name

Minha Terra Administradora e Corretora de Seguros Ltda.

Website

https://grupominhaterra.com.br

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Minha Terra is a privately held Brazilian insurance brokerage operating six branch offices in interior São Paulo state municipalities, distributing auto, business, and family insurance policies from 22+ carrier partners to individual and SMB clients via in-person sales and word-of-mouth referrals.

Ownership category

akta.pro rank

Headquarters

HQ city

Caconde

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance companies (Alfa, Aliro, Allianz, Azul, Bradesco, Capemisa, Essor, Generali, HDI, Icatu, Itaú, Liberty, Mapfre, Metlife, Mitsui, Porto Seguro, Sompo, Suhai, SulAmérica, Tokio Marine, Unimed, Zurich) for placing insurance policies with their clients. Commissions are received for various insurance lines including auto, business (empresarial), and family (família) coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Minha Terra Corretora de Seguros is an insurance brokerage that distributes auto, business, and family insurance products on behalf of 22+ insurance carriers (including Tokio Marine, Allianz, Bradesco, Porto Seguro, SulAmérica, Zurich, Mapfre, and others). The brokerage serves clients across São Paulo state through six physical branch offices, earning commissions from insurers for policies placed with their clients.

Product overview

Minha Terra Corretora de Seguros operates as an insurance brokerage platform offering automobile, business, and family insurance products through a network of six branch locations across the São Paulo region. The company distributes insurance from multiple carrier partners including Tokio Marine, Bradesco, Porto Seguro, SulAmérica, Allianz, and others. The product portfolio includes core insurance coverage types plus a 24-hour assistance service module. The group was founded in August 1998 and holds SUSEP registration as a licensed insurance broker.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguros de Automóvel (Auto Insurance) Vehicle insurance coverage for automobiles provided through partnerships with multiple insurance carriers including Alfa, Aliro, Allianz, Azul, Bradesco, Tokio Marine, Porto Seguro, and others. Targeted at vehicle owners seeking protection.
• Seguros Empresariais (Business Insurance) Business/commercial insurance products designed for enterprises, offered through the group's network of insurance partners including Allianz, Bradesco, Porto Seguro, Tokio Marine, Zurich, and others. Targeted at commercial enterprises seeking coverage for operations, liability, and assets.
• Seguros Familiares (Family Insurance) Family insurance products covering personal and household coverage needs including residential, life, and personal lines, distributed via the group's branch network in partnership with carriers such as Bradesco, SulAmérica, Metlife, Icatu, and others. Targeted at individuals and families.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

23 partnerships are on record, tiered core and minor.

• Tokio MarinecoreChannel Partner/ Reseller/ Distributor · 1 August 1998Flagship and principal partner of the group. Tokio Marine (formerly Real Previdência e Seguros Ltda.) was the first insurer to believe in the group's formation in 1998, being the provider of the first policy issued by Minha Terra. Continues to be the main partner of the group to this day.
• Alfa SeguradoraminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering auto and other insurance products through Minha Terra's distribution network.
• AllianzminorChannel Partner/ Reseller/ DistributorGlobal insurance company partner providing coverage products distributed through Minha Terra's branch network.
• Azul SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering auto and other insurance products distributed via Minha Terra.
• Bradesco SegurosminorChannel Partner/ Reseller/ DistributorMajor Brazilian insurance company partner with auto, residential, and other insurance products available through Minha Terra.
• Porto SegurominorChannel Partner/ Reseller/ DistributorLeading Brazilian insurer offering auto, residential, and other coverage products through Minha Terra's network.
• SulAméricaminorChannel Partner/ Reseller/ DistributorMajor health and insurance provider partner with products distributed through Minha Terra's branch offices.
• Zurich SegurosminorChannel Partner/ Reseller/ DistributorGlobal insurance company providing coverage products through Minha Terra's distribution network.
• MapfreminorChannel Partner/ Reseller/ DistributorSpanish insurance company operating in Brazil, offering auto and other insurance products through Minha Terra.
• MetlifeminorChannel Partner/ Reseller/ DistributorGlobal life and insurance company partner providing employee benefits and insurance products.
• Liberty SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering auto and commercial insurance products distributed through Minha Terra.
• HDI SegurosminorChannel Partner/ Reseller/ DistributorGerman insurance company offering auto and business insurance products through Minha Terra's network.
• Sompo SegurosminorChannel Partner/ Reseller/ DistributorJapanese insurance company partner offering auto and commercial coverage products.
• Generali BrasilminorChannel Partner/ Reseller/ DistributorItalian insurance group partner providing auto, business, and other insurance products through Minha Terra.
• Icatu SegurosminorChannel Partner/ Reseller/ DistributorBrazilian insurance company partner offering various insurance products distributed via Minha Terra.
• Itaú SegurosminorChannel Partner/ Reseller/ DistributorMajor Brazilian financial group's insurance subsidiary offering auto and residential coverage.
• Unimed SegurosminorChannel Partner/ Reseller/ DistributorHealth insurance cooperative network partner providing health coverage products.
• CapemisaminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering life and other insurance products.
• Mitsui Sumitomo Seguros (MSIG)minorChannel Partner/ Reseller/ DistributorJapanese insurance company partner offering various insurance products.
• Suhai SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering auto insurance products.
• Aliro SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner with auto and other coverage products.
• Essor SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering coverage products through Minha Terra.
• Excelsior SegurosminorChannel Partner/ Reseller/ DistributorInsurance provider partner offering coverage products distributed via Minha Terra.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest banks, distributing auto, residential, life, and health products through bancassurance. Comparable as a partner-carrier and competitor via direct bank-channel distribution.
• SulAmérica: Major Brazilian health and P&C insurer with direct and broker distribution. Comparable as a partner-carrier for family/business lines and a competitor through its own digital and advisory channels.
• Willis Towers Watson Brasil (WTW): Brazilian presence of global advisory and brokerage firm WTW, offering insurance and reinsurance brokerage, risk management, and HR consulting. Comparable as a multi-carrier broker but with a corporate and consulting orientation rather than retail branches.
• Marsh Brasil: Brazilian operations of global insurance broker Marsh, focused on risk advisory and commercial insurance placement. Overlaps as a brokerage channel between insureds and carriers in Brazil, but skews toward large enterprise clients rather than retail/SMB.
• Tokio Marine Brasil: Brazilian subsidiary of Tokio Marine and flagship carrier partner of Minha Terra since 1998. Comparable as a counterparty in the same auto/business/family product categories and as a competitor through direct and bancassurance channels.
• Aon Brasil: Brazilian arm of global insurance broker Aon, providing commercial and specialty risk brokerage, consulting, and human capital solutions. Overlaps as an intermediary placing insurance with carriers but operates at far greater scale and with a corporate clientele tilt.
• Porto Seguro: Major Brazilian P&C insurer and listed company (B3: PSSA3) with captive broker channel selling auto, home, and life coverage. Comparable as a counterparty in the same auto/family product set, but vertically integrated as a carrier rather than a multi-carrier broker.

Direct peers

• Qualicorp: Publicly listed Brazilian insurance/benefits broker specializing in affinity group distribution. Comparable as a multi-carrier insurance brokerage monetizing commissions in Brazil, though with a corporate/benefits tilt.
• Wiz Soluções Corretora de Seguros: Publicly listed Brazilian insurance brokerage (B3: WIZS3) distributing multi-line P&C, life, and health products through its own branch and partner network. Closest directly comparable generalist retail insurance brokerage in the Brazilian market.
• Smarter Corretora de Seguros: Brazilian multi-line insurance brokerage distributing auto, residence, life and health products across multiple carriers via digital and partner channels. Comparable as a generalist retail brokerage competing for similar SMB and family policyholders.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/minha-terra-corretora-de-seguros

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Minha Terra Corretora de Seguros