MigraSeguros
MigraSeguros is a SUSEP-registered Brazilian insurance brokerage that distributes fire insurance, surety bonds, condominium insurance, and related products through its MigraWEB platform integrated with 11 Brazilian real estate ERP systems.
- Company typePrivate
- Founded-
- HeadquartersPorto Alegre, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
What MigraSeguros does
MigraSeguros (legal entity Migra Corretora de Seguros Ltda, CNPJ 24.661.273/0001-45) is a SUSEP-registered Brazilian insurance broker founded in 2017 and headquartered in Porto Alegre, Rio Grande do Sul. The company operates a B2B technology platform, branded MigraWEB, that enables Brazilian real estate agencies and condominium administrators to quote, contract, and manage insurance products digitally rather than through manual broker workflows. Its distribution is anchored by direct integrations with 11 Brazilian real estate and condominium ERP systems, through which partners place coverage without leaving their existing property management software.
The product portfolio spans six lines: fire insurance (mandatory under the Lei do Inquilinato for rentals), surety bond rental guarantees, capitalization titles, condominium insurance, business insurance, and group life insurance. The platform supports instant credit analysis for surety bonds, automatic policy renewal, commission tracking, and installment billing integrated with tenant rent. MigraSeguros earns commission revenue from carrier partners including Porto Seguro, Tokio Marine, Liberty, Pottencial, Allianz, Chubb, Mapfre, Sompo, Icatu, and HDI Seguros, and does not appear to charge partner agencies a subscription fee; revenue is entirely transaction-driven by policy placement and renewal. The company is privately held, has no disclosed external funding, operates with 7 employees, and is LGPD-compliant.
MigraSeguros firmographics
Firmographics- Name
- MigraSeguros
- Legal name
- Migra Corretora de Seguros Ltda
- Website
- https://migraseguros.com.br
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- MigraSeguros is a SUSEP-registered Brazilian insurance brokerage that distributes fire insurance, surety bonds, condominium insurance, and related products through its MigraWEB platform integrated with 11 Brazilian real estate ERP systems.
- Ownership category
- akta.pro rank
MigraSeguros industry classification
Industry- Product category
- Insurance Brokerage (Real Estate)
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industries
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where MigraSeguros is headquartered
LocationHeadquarters
- HQ city
- Porto Alegre
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
MigraSeguros business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Brokerage Commissions: MigraSeguros operates as a SUSEP-registered insurance broker (Migra Corretora de Seguros Ltda, CNPJ 24.661.273/0001-45) earning commissions on all insurance policies (fire insurance, surety bonds, capitalization titles, condominium insurance, business insurance, group life insurance) placed with partner insurance carriers including Porto Seguro, Tokio Marine, Liberty, Pottencial, Alfa, Allianz, Chubb, Mapfre, Sompo, Icatu, and HDI Seguros. Commissions are earned per policy sold and renewed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Surety Bond (Seguro Fiança) - Starting rate of 8% of monthly rent |
| Subscription | Monthly | Fire Insurance (Seguro Incêndio) - Commission-based model for partner agencies |
| Subscription | Monthly | Residential Insurance via TownSQ partnership - 11x interest-free installments |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
MigraSeguros product offering
Product offeringCore offering
MigraSeguros operates as a SUSEP-registered insurance brokerage (Migra Corretora de Seguros Ltda) that digitizes the placement of real estate insurance products in Brazil. Through its proprietary MigraWEB platform integrated with major Brazilian real estate ERP systems, the company enables partner real estate agencies and condominium administrators to quote, contract, and manage fire insurance, surety bonds, capitalization titles, condominium insurance, business insurance, and group life insurance online, while earning commissions on policies placed with partner insurers.
Product overview
MigraSeguros is a technology-enabled insurance brokerage platform serving the Brazilian real estate market. The company operates as a unified platform offering six distinct insurance and guarantee products: Seguro Incêndio (fire insurance for rentals), Seguro Fiança (surety bond insurance), Seguro Condomínio (condominium insurance), Título de Capitalização (capitalization bonds), Seguro Empresarial (business insurance), and Seguro de Vida em Grupo (group life insurance). The platform integrates directly with major real estate management ERP systems (Universal, Quickfast, Inetsoft, ViaSW, Pleno Imob, FlexPro, Vista Software, AlterData, Ahreas, Era Tecnológica) and condo management systems (TownSQ), enabling real estate agencies to quote, purchase, and manage insurance policies within their existing software workflows without switching tools.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 65% of surety bond applications approved instantly; 20% approved after document submission; ~10% declined (providing credit risk pre-screening for agencies)
- +2 more outcomes
Companies that use MigraSeguros
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
MigraSeguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature5 records
MigraSeguros partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core.
- Porto SegurocoreLeading Brazilian insurance carrier providing surety bond (seguro fiança) products through the MigraSeguros platform. Porto Seguro surety bond starts at 8% of monthly rent value. Porto Seguro has recognized increased claim payouts during the pandemic period (2020), demonstrating market demand for rental guarantee products.
- Pottencial SeguroscoreInsurance carrier providing surety bond products through the MigraSeguros platform with rates starting at 9.2% of monthly rent value.
- Tokio MarinecoreMajor insurance carrier providing surety bond products through the MigraSeguros platform with rates starting at 15% of monthly rent value.
- Liberty SeguroscoreInsurance carrier referenced as a partner for surety bond products. MigraSeguros blog references Liberty alongside Porto Seguro as leading insurers for rental guarantee products.
- Icatu SeguroscoreInsurance carrier providing capitalization title (título de capitalização) products through the MigraSeguros platform. Capitalization titles serve as rental guarantee alternatives to surety bonds, with automatic renewal features and lottery-based savings component (sorteios via Loteria Federal do Brasil).
- HDI SeguroscoreInsurance carrier partnering with TownSQ to provide residential insurance products through MigraSeguros platform. Offers residential insurance with coverage options from R$100,000 to R$1,000,000, including fire, robbery, windstorm, electrical damage, glass, civil liability, and 24h assistance services.
- TownSQcoreCondominium management platform providing residential insurance product distribution through MigraSeguros technology. The partnership enables property residents to obtain residential insurance quotes and contracts directly through the TownSQ platform with HDI Seguros as the underwriter. Includes 24h assistance services (locksmith, plumber, electrician, appliance repair).
- Universal SoftwarecoreERP system provider (product: Imoview) enabling partner agencies to quote and contract fire insurance and surety bonds directly within their property management system. Benefits include: few-click contracting, automatic installment posting to tenant rent, automatic cancellation on lease termination, batch automatic renewal.
- QuickfastcoreERP system provider (product: Imobzi) enabling partner agencies to quote and contract fire insurance and surety bonds through the MigraSeguros platform integration. Also offers capitalization and group life insurance products.
- InetsoftcoreERP system provider (product: Imobiliar) enabling partner agencies to quote and contract fire insurance and content insurance through the MigraSeguros platform integration. The partnership was announced via the Inetsoft blog as a new integration, with MigraSeguros handling quoting, contracting, and renewal of fire insurance.
- ViaSW SistemascoreERP system provider (product: Viaimob) enabling partner agencies to quote and contract fire insurance directly within their property management system through the MigraSeguros integration.
- Pleno ImobcoreERP system provider (product: PlenoImob) enabling partner agencies to quote and contract fire insurance directly within their property management system through the MigraSeguros integration.
- FlexProcoreERP system provider (product: Simob) enabling partner agencies to quote and contract fire insurance directly within their property management system through the MigraSeguros integration.
- Vista SoftwarecoreERP system provider (product: ImobOffice) enabling partner agencies to quote and contract fire insurance directly within their property management system through the MigraSeguros integration.
- AlterData SoftwarecoreERP system provider (product: Immobile) enabling partner agencies to quote and contract fire insurance directly within their property management system through the MigraSeguros integration.
Scale indicators3 records
Recent moves5 records
Expansion highlights3 records
MigraSeguros competitors and assessment
Company assessmentEmerging players
- Justos: Brazilian insurtech using data and AI for fairer auto insurance pricing. Comparable as a Brazilian insurtech startup applying digital distribution and data analytics, though focused on auto rather than real estate insurance.
- Alloom (Alloom Seguros): Brazilian digital insurance broker/distributor focused on simplifying insurance purchasing via aggregator model. Comparable as a tech-forward broker reducing friction for SMB insurance buyers.
Broad incumbents
- Blu Seguros: Established Brazilian insurance broker with diversified product offering across P&C and specialty lines. Comparable as a multi-line Brazilian broker with digital touchpoints, though broader portfolio and not specialized in real estate.
- Wiz (Cooperação / Wiz Soluções): Large Brazilian insurance broker and B2B2C distribution platform with broad insurer relationships and embedded distribution via bank and retail partners. Comparable as an established broker competing in embedded insurance distribution at national scale.
Direct peers
- 180 Seguros: Brazilian insurtech-enabled insurance broker offering digital quote/issuance across multiple lines for SMBs and consumers. Highly comparable to MigraSeguros as a digital broker with multi-carrier access and a tech-led distribution model.
- Iguul: Brazilian digital insurance broker platform allowing consumers and SMBs to compare and contract policies from multiple carriers online. Directly comparable as a multi-carrier digital brokerage with similar GTM focus on simplification.
- Crivi: Brazilian insurance broker serving SMBs and individuals with digital quote/contracting across multiple carriers. Comparable as a multi-carrier digital broker operating in the same Brazilian market.
Others
- Capgemini (Brazil Insurance practice): Global consulting firm with Brazilian insurance industry practice supporting brokers and carriers with digital transformation. Adjacent comparison given MigraSeguros' embedded SaaS approach to brokerage operations.
Market position
Strengths1 record
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
MigraSeguros social profiles
Digital presenceMigraSeguros compliance and trust
Trust signalCompliance1 record
MigraSeguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
MigraSeguros leadership team
Management profileNumber of profiles
Profiles1 record
MigraSeguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MigraSeguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MigraSeguros
What does MigraSeguros do?
MigraSeguros operates as a SUSEP-registered insurance brokerage (Migra Corretora de Seguros Ltda) that digitizes the placement of real estate insurance products in Brazil. Through its proprietary MigraWEB platform integrated with major Brazilian real estate ERP systems, the company enables partner real estate agencies and condominium administrators to quote, contract, and manage fire insurance, surety bonds, capitalization titles, condominium insurance, business insurance, and group life insurance online, while earning commissions on policies placed with partner insurers.
Is MigraSeguros a public or private company?
MigraSeguros is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MigraSeguros founded?
MigraSeguros was founded in -1. It employs 1 to 10 people.
Where is MigraSeguros based?
MigraSeguros is headquartered in Porto Alegre, Brazil, in the Latin America region.
How does MigraSeguros make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are MigraSeguros's main competitors?
Emerging players on record are Justos and Alloom (Alloom Seguros). Broad incumbents are Blu Seguros and Wiz (Cooperação / Wiz Soluções). Direct peers are 180 Seguros, Iguul and Crivi. Capgemini (Brazil Insurance practice) is listed as an others.
Does MigraSeguros have an API?
No public API is recorded for MigraSeguros.
What industry is MigraSeguros in?
MigraSeguros's product category is Insurance Brokerage (Real Estate). Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS). Its NAICS code is 524210 and its SIC code is 6411.