Guedes e Ramos

What Guedes e Ramos does

Guedes e Ramos Corretora de Seguros is a privately held Brazilian insurance brokerage based in Barra Mansa, Rio de Janeiro, operating as an intermediary between customers and insurance carriers rather than as an underwriter. The firm represents 14 Brazilian insurers — including Mapfre, Allianz, Porto Seguro, Tokio Marine, Zurich, Itaú Seguros, and Bradesco Seguros — and distributes a 20-product portfolio covering personal lines (auto, residential, individual life, personal accident, portable equipment, travel), commercial lines (business, condominium, professional liability, corporate health and dental, group life), specialty coverage (fire/property, nautical, cargo/transport), and financial products (private pension, auto and property consortiums, capitalization titles). Its two principals, Ricardo da Silva Ramos and João Gabriel Guedes Ramos, maintain active hands-on involvement in daily operations.

The business model is commission-based: the broker earns transaction fees from carriers for each policy placed or renewed, generating an annually recurring revenue stream tied to the renewal cadence of the underlying insurance contracts. Go-to-market is direct-to-consumer and predominantly regional, anchored by a physical office in Barra Mansa supplemented by phone, WhatsApp, and a website-based online quote request form. Marketing channels include Facebook and Instagram for brand visibility and word-of-mouth referrals driven by long-tenured client relationships.

Pricing is quote-based and customized to each customer's risk profile, with payment terms offering up to 12 interest-free installments on premiums. The firm does not operate proprietary software, APIs, or any technology platform, and serves primarily individual consumers and small-to-mid-market businesses in Barra Mansa and the surrounding region of Rio de Janeiro state. The company claims more than 30 years of market experience, though its website copyright dates to 2015, indicating either a corporate restructuring or rebranding at that date.

Name

Guedes e Ramos

Legal name

Guedes e Ramos Corretora de Seguros

Website

https://guedeseramos.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Guedes e Ramos is a privately held Brazilian insurance brokerage in Barra Mansa, Rio de Janeiro, placing personal and commercial policies through 14 carrier partners for individual consumers and small businesses in the surrounding region.

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

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Insurance brokerage
• Personal insurance
• Commercial insurance
• Risk consulting
• Policy intermediation

Headquarters

HQ city

Barra Mansa

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance brokerage commissions: Guedes e Ramos earns commissions from insurance carriers for placing policies with customers. The broker represents multiple insurance companies (seguradoras) and earns a commission on each policy sold or renewed. Revenue is recurring in nature due to annual renewals of insurance contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Guedes e Ramos is a traditional insurance brokerage that sells and intermediates personal and commercial insurance policies on behalf of multiple Brazilian insurance carriers. The firm offers 20 standardized insurance and financial products including auto, residential, life, health, dental, business, condominium, cargo, travel, and specialty coverages, sourced from 14 partner insurers. Customers receive consultative guidance, policy placement, renewal support, and claims assistance, with premiums payable in up to 12 interest-free installments.

Product overview

Guedes e Ramos is an insurance brokerage firm offering a diversified portfolio of 20 insurance and financial products. The core offerings include personal lines (auto, residential, life, personal accident, portable equipment), commercial lines (business, condominium, professional liability, corporate health/dental, group life), specialty insurance (fire, nautical, travel, cargo/transport), and financial products (private pension, auto/property consortiums, capitalization titles, rental guarantee). The company acts as an intermediary, offering personalized consulting and policy placement through partnerships with 14 major Brazilian insurers including Mapfre, Allianz, Porto Seguro, Tokio Marine, Zurich, Suhai, Sura, Azul, Alfa, Liberty, HDI, Itaú, and Bradesco. The portfolio includes installment payment options (up to 12 interest-free installments) and online quote capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Automóvel (Auto Insurance) Vehicle insurance covering damages from accidents, theft, third-party liability, natural phenomena (hail, flooding), optional glass coverage, and roadside assistance. Designed for individual vehicle owners.
• Seguro Fiança (Rental Guarantee Insurance) Insurance substitute for guarantors in property rentals, covering unpaid rent and other charges in case of default, with initial credit analysis of tenants. For tenants and landlords.
• Residencial (Residential Insurance) Home insurance covering fire, lightning, explosion, windstorm, electrical damage, and comprehensive plans including maintenance services, civil liability, and theft. For homeowners and renters.
• Vida Individual (Individual Life Insurance) Individual life insurance providing indemnities in case of death, permanent disability from illness or accident, and funeral assistance. For individual policyholders.
• Acidentes Pessoais (Personal Accident Insurance) Personal accident coverage providing support for accidents resulting in death or permanent disability, with indemnities to protect family members. For individual professionals and workers.
• Equipamentos Portáteis (Portable Equipment Insurance) Insurance for electronic devices covering replacement in case of theft, robbery, or electrical damage. For individual device owners.
• Condomínio (Condominium Insurance) Insurance for residential and commercial condominiums covering mandatory fire/lightning/explosion, civil liability for administrators, common asset theft, and 24-hour assistance. For condominium managers and boards.
• Consórcio de Automóvel (Auto Consortium) Group savings plan for automobile acquisition through pooled contributions, offering vehicle purchase without interest charges via lottery and installment system. For individual buyers seeking vehicles.
• Consórcio De Imóvel (Property Consortium) Group savings plan for property acquisition where participants pay monthly installments managed by an administrator, with members selected by lottery when the pooled value reaches the target property price. For individuals and families seeking home ownership.
• Empresarial (Business Insurance) Customized business insurance covering physical assets, real estate, equipment, merchandise, furniture, and civil liability protection. For small and mid-market businesses.
• Incêndio (Fire/Property Insurance) Mandatory fire insurance for real estate and rented properties covering fire, lightning, and explosion damages, with customizable extensions for electrical damage and windstorms. For property owners and landlords.
• Náutico (Marine/Nautical Insurance) Comprehensive coverage for sport and recreational vessels including theft, total loss, assistance, salvage, launch and haul services, with optional add-ons for civil liability, wreck removal, and electronic accessories. For boat owners.
• Odontológico Empresarial (Corporate Dental Insurance) Dental plans for enterprises available in compulsory (employer-provided) and adhesion (professional associations, unions) modalities. For companies offering employee benefits.
• Previdência Privada (Private Pension) Private pension plan serving as a long-term savings vehicle during accumulation phase, with flexible payout options upon retirement. For individuals planning for retirement.
• Responsabilidade Civil Profissional (Professional Liability Insurance) Coverage protecting company assets and executives or freelancers from professional liability claims, essential for doctors, dentists, lawyers, and accountants. For licensed professionals and their firms.
• Saúde Empresarial (Corporate Health Insurance) Corporate health insurance providing employees coverage for consultations, hospitalizations, and emergencies. For companies offering employee health benefits.
• Transportes (Cargo/Transport Insurance) Cargo insurance covering damages during transport including theft, deviation, and accidents, available for manufacturers, carriers, with national and international coverage options. For shipping companies, manufacturers, and logistics operators.
• Seguro Viagem (Travel Insurance) Travel insurance covering medical expense reimbursement, body repatriation, medical evacuation, life and disability insurance, baggage loss, trip cancellation, and early return. For individual travelers.
• Vida Em Grupo (Group Life Insurance) Group life contract for companies providing employee families protection against financial difficulties from death or permanent disability, with optional funeral assistance. For companies providing employee life benefits.
• Título de Capitalização (Capitalization Title) Simple rental guarantor alternative where tenant pays upfront via bank slip, with the amount held in a capitalization title, automatically renewed annually, and returned upon lease completion if no debts exist. For tenants and landlords.

Named customers5 records

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

13 partnerships are on record, tiered core and minor.

• Mapfre SeguroscoreOthersMapfre Seguros is one of the insurance providers represented by Guedes e Ramos. The broker offers Mapfre's insurance products to its customers as part of its multi-insurer portfolio.
• AllianzcoreOthersAllianz is one of the insurance providers represented by Guedes e Ramos, offering international-standard insurance products through the broker's portfolio.
• Porto SegurocoreOthersPorto Seguro is one of the insurance providers represented by Guedes e Ramos, featuring in the broker's partner insuradoras section.
• Tokio MarinecoreOthersTokio Marine is one of the insurance providers represented by Guedes e Ramos in its portfolio of partner seguradoras.
• Zurich SeguroscoreOthersZurich Seguros is one of the insurance providers represented by Guedes e Ramos.
• Suhai SegurosminorOthersSuhai Seguros is one of the smaller or specialized insurance providers in the broker's portfolio.
• Seguros SuraminorOthersSeguros Sura is included in the broker's list of partner insurance companies.
• Azul SegurosminorOthersAzul Seguros is one of the insurance providers listed by Guedes e Ramos.
• Alfa SeguradoraminorOthersAlfa Seguradora is one of the insurance providers represented by the broker.
• Liberty SegurosminorOthersLiberty Seguros is one of the insurance providers in the broker's portfolio.
• HDI SegurosminorOthersHDI Seguros is one of the insurance providers represented by Guedes e Ramos.
• Itaú SeguroscoreOthersItaú Seguros, part of the Itaú financial group, is one of the insurance providers in the broker's portfolio.
• Bradesco SeguroscoreOthersBradesco Seguros, linked to the Bradesco financial group, is one of the major insurance providers in the broker's network.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Minuto Seguros: Brazilian online insurance broker selling auto, home, life, and SME policies from multiple carriers through a digital platform. Operates the same multi-carrier retail brokerage model as Guedes e Ramos, targeting Brazilian consumers and SMBs.
• 180 Seguros: Brazilian digital insurance brokerage offering multi-carrier comparison and online purchasing across personal and commercial lines. Comparable to Guedes e Ramos because it performs the same core brokerage function—placing customers with insurance carriers for commission—but distributes digitally rather than through a physical office.
• Bidu Corretora: Online insurance marketplace and brokerage in Brazil enabling consumers to compare and purchase auto, home, life, and other policies from multiple insurers. Comparable to Guedes e Ramos in multi-carrier brokerage model, with the main contrast being digital-first vs. office-based distribution.

Emerging players

• Justos: Brazilian insurtech using telematics-based pricing for auto insurance and increasingly expanding into adjacent personal lines. A partial competitor to Guedes e Ramos in auto and personal insurance, representing the digital-native segment that is reshaping Brazilian retail insurance distribution.

Broad incumbents

• Porto Seguro: Brazil's largest composite insurer, selling auto, home, life, health, and business insurance through proprietary agents, bancassurance, and direct channels. Competes with Guedes e Ramos both as a represented partner and as a direct-to-consumer alternative that bypasses brokers for commission.
• Bradesco Seguros: Insurance arm of Bradesco bank, offering life, health, auto, home, and commercial policies through bancassurance and broker channels. Dual relationship with Guedes e Ramos—both as a carrier represented by the broker and as a direct competitor via its captive distribution.
• Allianz Brasil: Global insurer with broad Brazilian operations in auto, property, life, and commercial lines, sold through brokers, bancassurance, and direct. Functions both as a carrier represented by Guedes e Ramos and as a competing distribution option for Brazilian consumers.
• Itaú Seguros: Insurance division of Itaú Unibanco offering life, auto, home, and business coverage primarily through the bank's massive branch and digital network. Comparable to the represented-insurer peers of Guedes e Ramos while also serving as a direct-distribution competitor.
• Mapfre Seguros: Major Spanish-headquartered insurer with substantial Brazilian operations across auto, home, life, and commercial lines, distributed via brokers, agents, and direct channels. A represented partner of Guedes e Ramos that also competes for the same end customers through its own channels.
• Tokio Marine Brasil: Japanese-headquartered insurer with significant Brazilian presence across personal and commercial lines, distributed via brokers and direct channels. Overlaps with Guedes e Ramos as a represented partner and competes for the same customer wallet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/guedeseramos
• Instagraminstagram.com/guedeseramos
• LinkedInlinkedin.com/company/guedes-e-ramos

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 Guedes e Ramos