What MAXSEGUROS does

MAXSEGUROS is a small insurance brokerage (corretora de seguros) headquartered in Itatiba, São Paulo, Brazil, operating as an authorized agent primarily for Porto Seguro, with secondary partnerships with Azul Seguros and Petlove. The company serves a diversified customer base including individuals, families, small and medium-sized businesses, and condominium associations, brokering a wide portfolio of personal and commercial lines: auto, residential, life, health, business, equipment, and pet insurance, alongside credit cards, consortiums (consórcios), and vehicle financing. Distribution is digital-first, relying on Facebook, Instagram, WhatsApp, and a corporate website to reach customers, with remote consultation as the primary sales channel.

The business model is commission-based brokerage: revenue is generated via transaction fees on policies written through carrier partners, with no subscription, SaaS, or proprietary insurance product. Operationally, the firm does not build or own its technology stack; it uses OnCorretor, a third-party multi-carrier quote and policy management platform, to source quotes and manage renewals. The organization is lean, with approximately 11 employees operating from a single Itatiba office. No funding rounds, acquisitions, leadership changes, or geographic expansion have been reported, and the company remains privately held and operationally stable.

From a competitive positioning standpoint, MAXSEGUROS is a local retail broker competing in a fragmented Brazilian market dominated by regional independents and direct-to-consumer digital channels. Its strategic moat rests on the Porto Seguro authorized-agent relationship and an unusually broad cross-sell menu (insurance plus credit plus consortiums), rather than on technology, scale, or data. The customer base is highly distributed across many small policyholders, which limits concentration risk but also constrains revenue per account.

Name

MAXSEGUROS

Legal name

MAXSEGUROS ITATIBA

Website

https://maxsegurositatiba.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

MAXSEGUROS is a small insurance brokerage in Itatiba, São Paulo, distributing primarily Porto Seguro policies plus credit and consortium products to individuals, families, SMBs, and condominium associations via digital and remote channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Appliance & Major Home Equipment Protection Plans (FSAJALAI)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance coverage
• Vehicle financing solutions
• Financial credit products

Headquarters

HQ city

Itatiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Operates as an insurance broker (corretora de seguros) earning commissions on insurance products sold. The company represents multiple insurance providers and receives compensation for policies placed. Revenue is generated through commissions on property & casualty insurance, life insurance, health insurance, auto insurance, and other insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MAXSEGUROS ITATIBA is an insurance brokerage (corretora de seguros) authorized to distribute personal, family, and commercial insurance products on behalf of carrier partners, primarily Porto Seguro, as well as Azul Seguros and Petlove. Its core offering spans auto, life, health, dental, residential, condominium, business, travel, equipment, transport, and guarantee insurance lines, supplemented by financial products including vehicle financing, consortia, vehicle-backed loans, working capital credit, payroll-deducted credit, and credit cards.

Product overview

MAXSEGUROS is a comprehensive insurance brokerage firm based in Itatiba, São Paulo, operating as an authorized agent for Porto Seguro and other major insurers including Azul Seguros. The company offers an extensive portfolio of insurance and financial products organized across multiple categories: vehicle insurance (auto, trucks, taxis, business, premium, young drivers, seniors, women-specific), life and personal accident insurance, health and dental plans, residential insurance (habitual, simplified, premium, apartments, vacation homes), business insurance (commercial establishments, hotels, restaurants, gyms, schools, clinics, pet shops, beauty salons, dealerships), travel insurance, portable equipment insurance (cell phones, notebooks, tablets, cameras, camcorders), transport and cargo insurance, guarantee insurance, and financial solutions including vehicle financing, consorcios (savings groups), vehicle-backed loans, working capital credit, payroll loans, credit cards, and capitalization titles. The portfolio includes specialized insurance for specific demographics (women, seniors, youth) and industries, complemented by home services (Porto Faz) and automotive service centers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Seguro Auto) Vehicle insurance for individual drivers covering collision, fire, theft, third-party damages, and passenger protection, with optional add-ons such as extra car rental, glass protection, and roadside assistance. Distributed through Porto Seguro partner network.
• Rental Guarantee Insurance (Seguro Fiança Locatícia) Insurance product that replaces traditional rental guarantors or cash deposits, covering rent, condominium fees, IPTU, property damage, and offering discounts on moving services for tenants, landlords, and real estate agencies.
• Vehicle Financing (Financiamento de Veículos) Vehicle financing up to 100% of vehicle value with terms up to 60 months, free inspection and notary fees, optional credit life insurance, and up to 45 days to pay the first installment after contracting.
• Life Insurance (Seguro de Vida) Life insurance with death and accident coverage for individuals, professionals, and small-to-medium business employees, including pension plan options and cultural event discounts.
• Dental Insurance (Seguro Odontológico) Dental insurance with a national provider network, pharmacy and gym discounts, travel assistance, 24-hour support, and reimbursement across all plan tiers.
• Health Insurance (Seguro Saúde) Health insurance combining corporate contracting advantages with personalized service, covering ambulatory, hospital, and obstetric care with optional co-payment.
• Premium Auto Insurance (Seguro Auto Premium) Premium auto insurance for vehicles valued from R$150,000, featuring 0km replacement for 1 year, concierge service, VIP notary, unlimited towing, and a premium repair network.
• Business Auto Insurance (Seguro Auto Empresarial) Auto insurance for company vehicles covering unlimited km assistance, Carta Verde for Mercosul, glass protection, and extra car rental options. Targeted at small and medium businesses.
• Women's Auto Insurance (Seguro Auto Mulher) Auto insurance designed for women drivers with child seat replacement, pickup and delivery service, and discounts on gyms, pets, and household services.
• Senior Auto Insurance (Seguro Auto Sênior) Auto insurance for drivers aged 60 and over, offering 20% deductible discount, home services, free towing, and a medium-size courtesy car for 7 to 30 days.
• Young Driver Auto Insurance (Seguro Auto Jovem) Auto insurance for young drivers aged 18-24 featuring a 15-day courtesy car, deductible discounts, and the Trânsito+gentil driving behavior program.
• Taxi Insurance (Seguro Táxi) Specialized auto insurance for taxi drivers offering free brake pad and oil filter replacements, courtesy car or mobility app credits, and comprehensive coverage.
• Truck Insurance (Seguro para Caminhão) Truck insurance covering road incidents, mechanical problems, and home emergency services, with a 0km replacement guarantee for up to 6 months.
• Porto Faz Home Services Home services platform offering electrician, plumber, appliance repair, sofa cleaning, and digital lock installation available to both Porto Seguro customers and non-customers.
• Standard Home Insurance (Seguro Residencial Habitual) Home insurance covering fire, electrical damage, glass breakage, civil liability, theft, and pipe leaks for primary residences and vacation homes.
• Simplified Home Insurance (Seguro Residencial Fácil) Simplified home insurance with basic fire and explosion coverage and optional rent loss and civil liability coverage, for masonry residences nationwide.
• Premium Home Insurance (Seguro Residencial Premium) Premium home insurance for high-value properties covering jewelry, artwork, bicycles, and collector vehicles, with free collector vehicle and pet boarding services.
• Apartment Insurance (Seguro Residencial Apartamentos) Apartment insurance covering fire, electrical damage, flooding, glass breakage, and unemployment-specific condominium payment coverage.
• Vacation Home Insurance (Seguro Residencial Veraneio) Vacation home insurance covering seasonal properties with no mandatory linked residence insurance and new-value indemnification.
• Condominium Insurance (Seguro Condomínio) Condominium insurance for vertical residential, commercial, mixed-use buildings, offices, flats, and horizontal condominiums, with free emergency services.
• Business Insurance (Seguro Empresa) Business insurance covering fire, smoke, and explosion with optional coverages for commercial, industrial, and service establishments.
• Beauty Store Insurance (Seguro Perfumarias) Specialized insurance for beauty stores covering products, employees, and customers with emergency repairs, up to 6x interest-free installments, and multiple-location coverage options.
• Spa and Beauty Salon Insurance (Seguro Estética e Beleza) Insurance for spas and beauty salons covering establishments, staff, and clients with 24-hour emergency repair services and installment payment options.
• Restaurant and Bar Insurance (Seguro Bares e Restaurantes) Insurance for bars and restaurants with drag-theft coverage, 24-hour emergency services, multiple-location policies, and alarm-system discounts.
• Hotel and Inn Insurance (Seguro Hotéis e Pousadas) Specialty insurance for hotels and inns covering guest belongings, emergency services, and hospitality-industry-specific clauses.
• Private Pension Plans (Previdência) Private pension plans with flexible contributions, post-fixed securities, fixed income, and multi-market funds for retirement planning.
• Travel Insurance (Seguro Viagem) Travel insurance covering personal accidents, trip cancellation and interruption, baggage loss, medical assistance, dental care, and 24-hour concierge services.
• Smartphone Insurance (Seguro Celular) Insurance for smartphones covering physical damage, theft, electrical damage, and international warranty for devices valued above R$500 with under 1 year of usage.
• Notebook Insurance (Seguro para Notebook) Insurance providing notebook replacement in case of damage or theft, covering Brazil's leading computer category with portable equipment protection.
• Tablet Insurance (Seguro para Tablet) Tablet insurance with device replacement for damage or theft, with plans adjusted to device value for personalized pricing.
• Camera Insurance (Seguro para Câmera Fotográfica) Insurance for photography equipment covering cameras, lenses, tripods, and flashes for replacement in case of damage or theft.
• Camcorder Insurance (Seguro para Filmadora) Insurance for camcorders providing equipment replacement in cases of damage or theft, covering separately purchased accessories.
• Industrial Equipment Insurance (Seguro Máquinas e Equipamentos) Insurance for industrial equipment covering construction, medical, dental, and measurement machinery with physical-damage and theft protection.
• Shipper's Transport Insurance (Seguro Transportes Embarcador) Cargo insurance for shippers with cargo combinations for industry, commerce, and services, covering road and air transport with competitive pricing.
• International Transport Insurance (Seguro Transporte Internacional) Insurance for air, water, and ground exports and imports with over 40 coverages and BRL payment options.
• Contract Guarantee Insurance (Seguro Garantia) Contract guarantee insurance covering bid competition, project execution, supply, services, customs, judicial, and labor obligations per Brazilian bidding law.
• Consortium Plans (Consórcio) Consortium savings groups for real estate, vehicles, heavy vehicles, and solar panels with no interest, only administration fees, and terms up to 200 months.
• Vehicle-Backed Loan (Empréstimo com Garantia de Veículo) Vehicle-backed loan up to 60 months with lower rates than unsecured credit, no vehicle inspection required for Porto or Azul insured vehicles.
• Working Capital Credit (Empréstimo para Capital de Giro) Working-capital credit line for legal entities up to R$30,000 with 30-month terms, competitive rates, and no credit-purpose proof required.
• Payroll-Deducted Credit (Crédito Consignado) Payroll-deducted credit for companies with 300+ employees, lower interest rates, no cost to the employer, and flexible credit analysis.
• Credit Cards (Cartão de Crédito) Credit cards including Porto Bank Visa Infinite, Gold, Platinum, and MasterCard Black with point acceleration, miles redemption, and insurance benefits.
• Rental Capitalization Title (Título de Capitalização para Aluguel) Capitalization title replacing traditional rental guarantees with 12-15 month terms and exclusive tenant benefits.
• Petlove Pet Health Insurance Pet health insurance through the Petlove partnership covering consultations, exams, hospitalizations, and surgeries with home veterinary service options.
• Certified Pre-Owned Vehicles (Carros Seminovos) Certified pre-owned vehicles with up to 2 years of usage, single owner, no accident history, and 6-month engine and transmission warranty.
• Personal Accident Insurance Plus (Seguro de Acidentes Pessoais Plus) Personal accident insurance for ages 16-70 with temporary-disability daily payments up to 365 days, cultural-event discounts, and monthly prize draws.
• School Personal Accident Insurance (Seguro de Acidentes Pessoais Escolar) School accident insurance covering students during educational activities with transport to treatment, foreign-accident advances, and family accommodation.
• SME Life Insurance (Seguro de Vida Empresarial) Corporate life insurance for small and medium businesses covering natural and accidental death, funeral assistance, medical expenses, and dependent spouse/children inclusion.
• Simple Life Insurance (Seguro Vida On) Simple life insurance starting at R$4/month for ages 16-64 with no health questionnaire, R$1,000 immediate-expense coverage, and R$10,000-200,000 capital options.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner. MAXSEGUROS operates as an authorized reseller and broker for Porto Seguro's complete insurance portfolio including auto, home, life, health, business, and specialty insurance products. The partnership provides access to Porto Seguro's digital platforms (porto.vc), service centers, and claims infrastructure.
• Azul SegurosminorChannel Partner/ Reseller/ DistributorSecondary insurance carrier partner offering auto and specialty insurance products. Contact numbers provided for customer service: SAC 0800 703 1280, service line 4004-3700.
• PetloveminorChannel Partner/ Reseller/ DistributorPet health insurance partner. Petlove (formerly Porto.pet) provides pet health plans offered through the brokerage with coverage for consultations, exams, hospitalizations, and surgical procedures through a network of veterinary clinics.

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Hdi Seguros: Brazilian P&C insurance carrier offering auto, home, and business products that MAXSEGUROS distributes — comparable product portfolio, but as a carrier rather than a broker and at significantly larger scale.
• Azul Seguros: Brazilian auto and specialty insurance carrier that is also a secondary partner of MAXSEGUROS — comparable across the auto insurance product category, but operates as a carrier rather than a brokerage.
• Wiz Soluções: Large Brazilian insurance brokerage and consulting chain with nationwide distribution and a broad portfolio across P&C, life, and health — comparable as a multi-line broker, but at materially greater scale than MAXSEGUROS.
• XP Inc. Brazilian financial services platform with a large insurance brokerage vertical (XP Seguros) — comparable as a multi-line insurance distributor serving Brazilian consumers and SMEs, but operating at vastly greater scale and breadth.
• Porto Seguro: One of Brazil's largest insurance carriers and MAXSEGUROS's core partner — comparable across the full insurance product set, but as an incumbent carrier rather than a broker; represents both MAXSEGUROS's biggest opportunity and disintermediation threat.

Direct peers

• Minuto Seguros: Brazilian online insurance brokerage offering multi-line products (auto, home, life) from multiple carriers via a digital platform — directly comparable to MAXSEGUROS's brokerage model, but operating nationally and with a digital-first value proposition.
• 180 Seguros: Brazilian insurance broker specializing in auto and other P&C lines distributed via digital channels and call center — same multi-carrier brokerage model as MAXSEGUROS but with a much larger national footprint.

Emerging players

• Akko: Brazilian insurtech specializing in gadget and portable equipment insurance (phones, notebooks, cameras) — comparable to a meaningful segment of MAXSEGUROS's portable equipment product line, but with a digital-native model.
• Justos: Brazilian digital-first auto insurer selling direct to consumers via app — comparable through overlap in the auto insurance space in Brazil, but operating as a carrier rather than a broker.
• Pier: Brazilian digital auto insurer using telematics-based pricing — competes with the auto insurance portion of MAXSEGUROS's book and represents the digital-disintermediation threat to traditional brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/MAXSEGUROSITATIBA
• Instagraminstagram.com/maxseguroscorretora
• LinkedInlinkedin.com/company/maxseguros

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 MAXSEGUROS