Ponto Seguro - Mediação de Seguros, S.A.

What Ponto Seguro - Mediação de Seguros, S.A. does

Ponto Seguro - Mediação de Seguros, S.A. is a Portuguese insurance brokerage firm founded in March 1982 and registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) under registration number 407031984/3 since January 2007. The firm operates as an intermediary between clients and more than 16 major insurance providers — including Generali, Fidelidade, Allianz, Ageas, Mapfre, AIG, MetLife, Lusitânia, Mútua dos Pescadores, Tranquilidade, Caravela, and Liberty — distributing Vida (Life) and Não Vida (Non-Life) products across individuals, enterprises, public sector entities, and the social economy. Its product catalog spans automobile, life, health, home/multirisk, workers' compensation, civil liability, cyber risk, marine and fishing, professional liability, and specialty personal accident lines, with distribution conducted through a 18-branch physical network across mainland Portugal and the autonomous regions of Madeira and the Azores, supplemented by an online simulation/quote-request system and a DPO/compliance infrastructure aligned with GDPR.

The firm earns revenue through commissions embedded in insurance premiums, with pricing quote-based and not publicly disclosed. Its go-to-market is sales-led and relationship-driven, with three primary customer segments: (i) individuals and families seeking personal lines coverage; (ii) small, medium, and large enterprises requiring commercial insurance; and (iii) public sector entities — municipalities, parish councils, and municipal companies — that constitute 30-38% of portfolio volume across 100+ institutional clients. The firm also holds a specialized credit for a 2015 partnership with Portuguese trade unions that aggregated the Liberinter (CGTP) portfolio. Ownership is structured as a private sociedade anónima with a qualifying participation held by Mútua dos Pescadores – Mútua de Seguros, CRL, and a fully paid-in share capital of €200,000. The firm operates with a lean staff of 27 employees supporting the 18-branch network and discloses no public revenue figures.

Name

Ponto Seguro - Mediação de Seguros, S.A.

Legal name

Ponto Seguro - Mediação de Seguros, S.A.

Website

https://pontoseguro.pt

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Ponto Seguro is a Portuguese insurance brokerage founded in 1982, operating 18 branches nationwide to distribute multi-insurer Life and Non-Life products to individuals, enterprises, public sector entities, and social economy organizations on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Mediation

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAB

Commercial Lines Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Insurance brokerage
• Insurance mediation services
• Commercial insurance distribution
• Public sector insurance
• Personal insurance products

Headquarters

HQ country

Portugal

HQ region

Europe

Offices2 records

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 Commission: The company earns commissions as part of the insurance premium, working as an intermediary between insurance companies and clients. The nature and type of remuneration is commissions as part of the insurance premium, as disclosed in their legal information.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ponto Seguro is a Portuguese insurance broker (mediador de seguros) that intermediates between insurance companies and clients, analyzing customer needs and presenting tailored solutions from a broad panel of insurers. The firm offers Life and Non-Life insurance products across personal, commercial, and public-sector segments through 18 branches nationwide, a digital simulation portal, and specialized technical departments for portfolio and risk management.

Product overview

Ponto Seguro is a comprehensive insurance mediation company offering a broad portfolio of insurance products for individuals, businesses, and public entities. The company operates as an insurance broker (mediador de seguros) working with multiple insurance providers. Their product portfolio includes automobile, life, health, property, casualty, and specialty insurance lines organized into two main segments: Particulares (individuals) and Empresas (businesses). Products range from core personal lines (auto, life, health, home) to specialized commercial coverage (cyber risk, construction, maritime, professional liability). They also serve public sector entities with specialized municipal insurance management services. The company maintains partnerships with major Portuguese insurers including Generali, Tranquilidade, Ageas, Allianz, April, Caravela, Fidelidade, Zurich, UNA, Lusitania, Mapfre, Metlife, Mutua Pescadores, Real Vida, Saúde Prime, AIG, and Victória.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto (Automobile Insurance)
• Seguro Vida (Life Insurance)
• Seguro Vida Crédito Habitação (Mortgage Life Insurance)
• Seguro Saúde (Health Insurance)
• Fidelidade Pets (Pet Health Insurance)
• Seguro Multirriscos (Multi-risk Insurance)
• Seguro Acidentes Pessoais (Personal Accident Insurance)
• Seguro Acidentes de Trabalho (Workers' Compensation Insurance)
• Seguro Responsabilidade Civil (Civil Liability Insurance)
• Seguro Responsabilidade Civil Alojamento Local (Local Accommodation Civil Liability)
• Seguro Contra Riscos Cibernéticos (Cyber Risk Insurance)
• Seguro de Viagem (Travel Insurance)
• Seguro Campos de Férias (Holiday Camps Personal Accident Insurance)
• Seguro de Embarcações de Recreio (Recreational Boat Insurance)
• Seguro Construção (Construction Insurance)
• Seguro de Intermediários de Crédito (Credit Intermediary Professional Liability)
• Acidentes Pessoais Escolas Náuticas (Nautical School Personal Accident)
• Seguro Acidentes Pessoais Formando (Trainee Personal Accident)
• Seguro Pesca Profissional e P&I (Professional Fishing and P&I Insurance)
• Seguro Responsabilidade Ambiental (Environmental Liability Insurance)

Quantifiable outcome

• Potential savings of up to 60% on life credit insurance compared to bank offerings
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and primary.

• Liberinter (CGTP) - Various Trade UnionscoreStrategic or Co-development Partner · 1 January 2015In 2015, Ponto Seguro established an agreement with various trade unions to integrate the insurance portfolio of the unions and their members. This partnership aggregated an important portfolio from Liberinter (CGTP), fully enabling Ponto Seguro to offer the best insurance conditions for union members through their extensive branch network nationwide.
• Mútua dos PescadorescoreTechnology or IntegrationMútua dos Pescadores holds a qualified participation in Ponto Seguro's capital stock (NIF 500726477). They offer competitive tariff conditions for personal accident insurance for trainees (Acidentes Pessoais Formando) and nautical school products. Mútua dos Pescadores is the only Portuguese insurance cooperative, founded in 1942, specialized in maritime activities.
• Seguradoras Unidas (Tranquilidade, Açoreana)primaryChannel Partner/ Reseller/ DistributorOne of the major insurance providers in the Portuguese market, offering life and non-life insurance products through Ponto Seguro's distribution network.
• Allianz PortugalprimaryChannel Partner/ Reseller/ DistributorGlobal insurance company operating in the Portuguese market offering comprehensive insurance solutions through Ponto Seguro.
• Ageas PortugalprimaryChannel Partner/ Reseller/ DistributorInternational insurance group providing life and non-life insurance products distributed through Ponto Seguro's branch network.
• FidelidadeprimaryChannel Partner/ Reseller/ DistributorMajor Portuguese insurance company offering comprehensive coverage through Ponto Seguro's distribution channels.
• GeneraliprimaryChannel Partner/ Reseller/ DistributorItalian multinational insurance company operating in Portugal with products distributed through Ponto Seguro.
• Caravela SegurosprimaryChannel Partner/ Reseller/ DistributorPortuguese insurance company specializing in various coverage lines distributed via Ponto Seguro.
• Mapfre PortugalprimaryChannel Partner/ Reseller/ DistributorSpanish multinational insurance group operating in Portugal through Ponto Seguro distribution.
• LusitâniacoreChannel Partner/ Reseller/ DistributorPortuguese insurance company providing life and non-life products through Ponto Seguro.
• AIG EuropecoreChannel Partner/ Reseller/ DistributorAmerican multinational insurance corporation offering cyber risk and commercial insurance products in Portugal via Ponto Seguro.
• Liberty Seguros PortugalcoreChannel Partner/ Reseller/ DistributorInternational insurance company operating commercial and personal lines through Ponto Seguro.
• April PortugalcoreChannel Partner/ Reseller/ DistributorInternational insurance distributor offering health and specialty insurance products.
• Saúde PrimecoreChannel Partner/ Reseller/ DistributorPortuguese health insurance provider specializing in private healthcare coverage distributed through Ponto Seguro.
• Groupama PortugalcoreChannel Partner/ Reseller/ DistributorFrench mutual insurance company operating in Portugal with agricultural and specialty coverage.
• Victória SeguroscoreChannel Partner/ Reseller/ DistributorPortuguese insurance company offering personal and commercial insurance products.
• MetLife PortugalcoreChannel Partner/ Reseller/ DistributorAmerican life insurance company providing credit life and employee benefits in Portugal.
• ASF - Autoridade de Supervisão de Seguros e Fundos de PensõescoreOthersThe Insurance and Pension Funds Supervisory Authority - Portugal's regulatory body for insurance distribution. Ponto Seguro is registered as an insurance mediator under ASF supervision (registration n.º 407031984/3) authorized for Vida and Não Vida insurance.

Scale indicators6 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• MDS Group: MDS Group is Portugal's largest insurance and reinsurance broker, operating a multi-carrier, multi-branch model similar to Ponto Seguro but at substantially greater scale. It is the most directly comparable Portuguese insurance broker serving individuals, businesses, and corporate clients across multiple product lines.

Emerging players

• Howden Iberia: Howden has expanded rapidly across Iberia via acquisitions, building a specialty-led insurance brokerage in the Portuguese and Spanish markets. It competes with PontoSeguro for specialty commercial lines (cyber, professional liability, marine) and benefits from stronger international carrier access.
• Hiscox Portugal: Hiscox is a specialty insurer and broker with a Portugal presence focused on SME and professional lines including cyber, professional indemnity, and D&O. It competes with PontoSeguro in the specialty and SME segments where PontoSeguro offers AIG-distributed cyber and professional liability coverage.

Others

• Fidelidade: Fidelidade is Portugal's largest insurer and a core carrier partner of PontoSeguro. While not a direct broker competitor, its growing direct digital channels compete with PontoSeguro for individual and SME auto, home, and health customers.
• Generali Portugal (Tranquilidade): Generali Portugal operates the Tranquilidade and Açoreana brands and is both a PontoSeguro distribution partner and a competing direct-channel insurer. Its direct sales channels increasingly overlap with PontoSeguro's individual and SME customer base.

Broad incumbents

• Aon Portugal: Aon is a global insurance and reinsurance brokerage with established operations in Portugal, offering commercial and specialty brokerage, risk management, and HR consulting. It competes for the same mid-market and large corporate clients that PontoSeguro targets, with significantly deeper analytical capabilities.
• Marsh Portugal: Marsh, part of Marsh McLennan, operates a major Portuguese insurance brokerage practice focused on commercial and specialty lines for mid-to-large enterprises. It overlaps with PontoSeguro on commercial lines and competes for the same Portuguese corporate and public-sector clients.
• Willis Towers Watson (WTW) Portugal: WTW operates insurance brokerage and risk advisory services in Portugal, primarily targeting larger corporate clients with complex risk profiles. It competes for the upper end of the corporate client base that PontoSeguro also serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Ponto-Seguro-media%C3%A7%C3%A3o-de-seguros-lda-504816059651420
• LinkedInlinkedin.com/company/ponto-seguro
• Instagraminstagram.com/pontoseguro.pt

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ponto Seguro - Mediação de Seguros, S.A.