Maximo Seguros

What Maximo Seguros does

Maximo Seguros (legal name Máximo Corretora de Seguros e Benefícios) is a privately held Brazilian insurance brokerage founded in 1990 and headquartered at Av. Professor Mário Werneck, 2900 in the Buritis neighborhood of Belo Horizonte, Minas Gerais. The firm operates as a licensed corretora distributing insurance and consórcio products on behalf of approximately ten major Brazilian and international carriers — Porto Seguro, Mapfre, HDI, SulAmérica, Liberty, Tokio Marine, Allianz, Azul, Sompo, and Zurich — and four large health plan operators (Amil, Unimed, Hapvida NotreDame Intermédica, and Bradesco Saúde). Its portfolio spans auto, life, health, home, travel, portable equipment, civil liability, cargo transport, business, engineering risk, surety bond, condominium, private pension, bicycle, environmental, and agricultural lines, plus consórcio group savings plans for automobiles (R$55k–R$500k, up to 80 months) and real estate (80–200 months).

The business model is commission- and referral-based: revenue is earned as brokerage commissions on placed policies (treated as subscription/recurring) and as administration/referral fees on consórcio plans (transaction-fee). The go-to-market is sales-led inside sales, with customers reached via online quotation forms on maximocorretora.com.br, phone ((31) 3291-5899), WhatsApp ((31) 98314-6203), email, and an Instagram presence (@maximoseguros). There is no proprietary technology platform, app, or API; all quoting and policy placement is handled by the in-house sales team of brokers serving both individuals and SMB/corporate clients across consumer and commercial lines. Per firmographic data the headcount is approximately five employees, and no funding rounds, investors, or parent-company relationships are disclosed.

Name

Maximo Seguros

Legal name

Máximo Corretora de Seguros

Website

https://maximocorretora.com.br

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Belo Horizonte

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As a licensed insurance broker (corretora), Maximo Seguros earns commissions from insurance carriers for placing policies with customers. The company works with multiple insurance providers including Porto, Mapfre, HDI, SulAmérica, Liberty, Tokio, Allianz, Azul, Sompo, and Zurich.
2. Consórcio Administration Fees: Maximo Seguros facilitates consórcio (group savings) plans for automobiles, real estate, land, tractors, and trucks, earning referral and administration fees from consortium administrators. Plans offer terms of 80–200 months with credit values from R$55,000 to R$500,000.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Maximo Seguros is a Brazilian insurance brokerage (corretora de seguros) founded in 1990 that distributes insurance policies from multiple national and international carriers across all insurance branches for both individuals and businesses. The company also facilitates consórcio (group savings) plans for acquiring automobiles and real estate without interest, earning commissions from insurers and administration fees from consórcio administrators.

Product overview

Maximo Seguros is a Brazilian insurance broker and consultancy operating since 1990, offering a broad portfolio of insurance and financial products organized into core lines and ancillary offerings. Core products include auto, life, home, health, travel, portable equipment, civil liability, cargo transport, business, engineering risk, and surety bond insurance, alongside consortium (group savings) plans for vehicles and real estate. Ancilliary offerings include condominium, private pension, bicycle, environmental, and agricultural insurance. The company distributes these products through partnerships with major Brazilian and international insurers (Porto, Mapfre, HDI, SulAmérica, Liberty, Tokio, Allianz, Azul, Sompo, Zurich) and maintains a digital quoting and advisory model.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Seguro Automóvel) Vehicle insurance distributed through partner carriers, offering coverage against third-party damages, theft, and accidents, with 24-hour assistance and additional options such as franchise waiver and courtesy car. Target customers: individual vehicle owners and corporate fleets in Brazil.
• Life Insurance (Seguro de Vida) Life and accident insurance distributed through partner carriers, providing financial protection for families in cases of death, severe illness, accidental death, and work disability. Target customers: individuals and corporate groups seeking family/employee protection.
• Home Insurance (Seguro Residência) Home insurance distributed through partner carriers, protecting residences against fire, electrical damage, windstorms, theft, and civil liability, including emergency services such as plumbing, electrical repairs, and locksmith assistance. Target customers: Brazilian homeowners and residential tenants.
• Health Insurance (Seguro Saúde) Health insurance plan distribution offering 24-hour coverage, medical specialists, broad provider network, and national urgent care, distributed in partnership with operators including Amil, SulAmérica, Unimed, Hapvida, and Bradesco Saúde. Target customers: individuals, families, and corporate groups seeking health plan coverage.
• Travel Insurance (Seguro Viagem) Travel insurance covering up to 25 protections for domestic and international travel, including baggage loss or damage, dental expenses, medical assistance, and trip cancellation or interruption. Target customers: Brazilian individual and corporate travelers.
• Portable Equipment Insurance (Seguro Equipamentos Portáteis) Insurance covering smartphones, notebooks, cameras, smartwatches, and camcorders against accidents, fire, vehicle impact, lightning, and optional international coverage, water damage, and theft. Target customers: Brazilian consumers owning portable electronics.
• Civil Liability Insurance (Responsabilidade Civil) Civil liability insurance reimbursing indemnities for bodily or property damages caused unintentionally to third parties, available in professional, D&O, service provider, surveillance, civil works, and advertising/antenna variants. Target customers: professionals, businesses, and contractors exposed to third-party liability risks.
• Cargo Transport Insurance (Seguro Transportes) Cargo insurance for shippers and carriers, covering RCTR-C (road carrier liability) and RCF-DC (cargo theft/diversion), with free 24-hour towing, electronic registration, and roadside support every 100 km on major highways. Target customers: logistics companies, carriers, and shippers in Brazil.
• Business Insurance (Seguro Empresarial) Business insurance protecting commercial, industrial, and service establishments against electrical damage, third-party liability, glass breakage, theft of goods and cash, and civil unrest. Target customers: small, medium, and large Brazilian businesses in commerce, industry, and services.
• Engineering Risk Insurance (Risco Engenharia) Engineering risk insurance protecting ongoing construction projects and machinery installation/montage against natural disasters, fire, lightning, theft, and collapse, with optional coverages for adjacent properties, design errors, and civil liability. Target customers: construction firms, contractors, and project owners in Brazil.
• Surety Bond Insurance (Seguro Garantia) Surety bond insurance guaranteeing contract and public bidding obligations, serving as a cost-effective alternative to bank guarantees without consuming credit lines. Target customers: Brazilian companies participating in public bids or contract obligations.
• Consortium Plans (Consórcios) Group savings consortium plans for acquiring automobiles (from R$397/month, up to 80 months, R$55k–R$500k credit) and real estate (from R$349/month, 80–200 months), with monthly draws and bid options, no interest charges. Target customers: Brazilian individuals and legal entities seeking interest-free financing for vehicle or real estate acquisition.
• Condominium Insurance (Seguro Condomínio) Insurance developed for residential, commercial, mixed-use condominiums, clinics, offices, flats, apart-hotels, and shopping centers. Target customers: condominium administrators and property managers in Brazil.
• Private Pension (Previdência Privada) Private pension plan allowing individuals to plan and secure their retirement savings. Target customers: Brazilian individuals planning retirement income.
• Bicycle Insurance (Seguro Bicicleta) Bicycle insurance providing guarantees and services tailored to different types of bicycles. Target customers: Brazilian bicycle owners.
• Environmental Insurance (Seguro Ambiental) Environmental liability insurance protecting companies and industries against potential environmental damages. Target customers: Brazilian companies and industries exposed to environmental liability risks.
• Agricultural Insurance (Seguro Agrícola) Agricultural insurance protecting crops and farm operations from weather-related and other agricultural risks, independent of natural conditions. Target customers: Brazilian farmers and agricultural producers.

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

14 partnerships are on record, tiered core.

• Porto SegurocoreOthersPorto Seguro is one of Brazil's largest insurance companies. Maximo Seguros operates as a broker distributing Porto's insurance products to end customers.
• MapfrecoreOthersMapfre is a major international insurer operating in Brazil. Maximo Seguros distributes Mapfre's insurance products as a licensed broker.
• HDI SeguroscoreOthersHDI is a global insurer with operations in Brazil. Maximo Seguros distributes HDI's insurance products as a licensed broker.
• SulAméricacoreOthersSulAmérica is one of Brazil's largest independent insurance groups. Maximo Seguros distributes SulAmérica's insurance and health plan products as a licensed broker.
• Liberty SeguroscoreOthersLiberty Seguros is an international insurer operating in Brazil. Maximo Seguros distributes Liberty Seguros' insurance products as a licensed broker.
• Tokio MarinecoreOthersTokio Marine is a major Japanese insurer operating in Brazil. Maximo Seguros distributes Tokio Marine insurance products as a licensed broker.
• AllianzcoreOthersAllianz is a global insurance group operating in Brazil. Maximo Seguros distributes Allianz insurance products as a licensed broker.
• Azul SeguroscoreOthersAzul Seguros is a Brazilian insurer. Maximo Seguros distributes Azul's insurance products as a licensed broker.
• Sompo SeguroscoreOthersSompo is a Japanese insurance group operating in Brazil. Maximo Seguros distributes Sompo's insurance products as a licensed broker.
• Zurich SeguroscoreOthersZurich is a global insurance group operating in Brazil. Maximo Seguros distributes Zurich insurance products as a licensed broker.
• Amil (operadora de plano de saúde)coreOthersAmil is one of Brazil's largest health plan operators. Maximo Seguros distributes Amil health plan products as a licensed broker.
• UnimedcoreOthersUnimed is Brazil's largest health plan operator and cooperative. Maximo Seguros distributes Unimed health plan products as a licensed broker.
• Hapvida NotreDame IntermédicacoreOthersHapvida NotreDame Intermédica is a major Brazilian health plan operator. Maximo Seguros distributes Hapvida health plan products as a licensed broker.
• Bradesco SaúdecoreOthersBradesco Saúde is a major health plan operator backed by Bradesco bank. Maximo Seguros distributes Bradesco Saúde products as a licensed broker.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• SulAmérica: Major Brazilian insurance and health group and a Maximo distribution partner. Competes broadly across health, life, P&C, and pension products, including through direct digital channels that may disintermediate brokers.
• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest banks, and a Maximo partner via Bradesco Saúde. Competes across all major insurance lines and benefits from captive banking distribution that brokers cannot match.
• Porto Seguro: One of Brazil's largest insurance carriers and a core Maximo distribution partner. As a carrier-distributor hybrid with own retail channels, it competes for direct customer relationships and influences commission economics for Maximo's broker model.

Direct peers

• Minuto Seguros: Brazil's leading digital insurance broker, distributing auto, life, home, and other personal lines from multiple carriers via an online platform. Directly comparable to Maximo as a multi-carrier broker, but competing on scale, technology, and digital customer acquisition.
• Bidu Corretora: Brazilian digital insurance broker offering automated multi-carrier quotation across auto, life, home, and health. Comparable to Maximo in distributing products from multiple carriers, but with a fully digital self-service experience.
• XP Corretora de Seguros: Insurance brokerage arm of XP Inc., Brazil's largest independent investment platform. Comparable multi-line broker with cross-sell into XP's financial customer base, representing the digital scale-up trajectory Maximo lacks.

Emerging players

• Justos: Brazilian digital auto insurer/broker using telematics-based pricing. Competes in the same auto insurance distribution channel as Maximo but with proprietary underwriting technology and a direct-to-consumer digital model.
• Z1 Corretora: Brazilian digital insurance brokerage targeting younger consumers with mobile-first multi-carrier distribution. Comparable broker function with overlap in personal lines distribution, but differentiated by technology and demographic focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Instagraminstagram.com/maximoseguros
• LinkedInlinkedin.com/company/maximoseguros

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 Maximo Seguros