San Moritz Corretora

What San Moritz Corretora does

San Moritz Corretora de Seguros is a privately-held Brazilian insurance brokerage (corretora de seguros) headquartered at Av. Rio Branco, 25, 18º andar, sala 25, Centro, Rio de Janeiro. Founded to serve liberal healthcare professionals, the broker has expanded to three customer segments — liberal health professionals, corporate and business clients, and individual/family consumers — and today distributes a portfolio of 26 insurance and consortium products drawn from 19 carrier and operator partners including AIG, Amil, Allianz, Bradesco Seguros, Porto Seguro, Tokio Marine, Unimed, SulAmérica, Liberty, Mapfre, Sompo, HDI, Itaú Seguros, Ituran, Mitsui Sumitomo, Suhai, Unimed Rio, Azul Seguros, and Assim Saúde. Product coverage spans auto, residential, health and dental, life, civil liability, medical professional liability, travel, pet, personal accident, rental guarantee, property, business, funeral assistance, and private pension (PGBL/VGBL), alongside consortium (consórcio) financing.

The business operates a sales-led model executed by a small specialist consultant team (8 employees), supplemented by digital self-serve touchpoints including website quote simulation, email, Facebook, and WhatsApp, plus a 24h claims assistance hotline. Technology is a standard brokerage website (sanmoritz.com.br) with direct deep-links into carrier-side online purchase portals (e.g., Porto Seguro for HEALTH FOR PET, VIDA MAIS SIMPLES, ACIDENTES PESSOAIS, EQUIPAMENTOS PORTÁTEIS; Unimed for medical civil liability) — these deep-links suggest a hybrid broker-direct checkout flow rather than any proprietary underwriting or policy-issuance platform.

Revenue is generated exclusively through commissions on policies placed with the carrier partners (affiliate/referral model). Pricing is quote-based and not publicly disclosed; premiums vary by product, coverage level, and individual risk profile, with monthly billing cycles. The company is a private Brazilian entity with no disclosed investors, no parent company, no subsidiaries, no funding rounds, and no regulatory actions, awards, patents, or certifications on record.

Name

San Moritz Corretora

Legal name

San Moritz Corretora de Seguros

Website

https://sanmoritz.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

San Moritz Corretora de Seguros is a privately-held Brazilian insurance brokerage in Rio de Janeiro, distributing 26 personal, corporate, and professional insurance and consortium products from 19 carrier partners to healthcare professionals, businesses, and individual consumers via specialized consultants and digital self-serve channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

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

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

SECONDARYFSAIAEAL

Individual Health Insurance Brokerage & Distribution

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Insurance brokerage
• Insurance products
• Health insurance plans
• Corporate insurance solutions
• Professional liability insurance

Headquarters

HQ city

Rio de Janeiro

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 Commission Revenue: Generates revenue through commissions from selling insurance products from multiple insurance carriers (AIG, Amil, Bradesco, Porto Seguro, Tokio Marine, Unimed, and others) to individual and corporate clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

San Moritz Corretora de Seguros is a Brazilian insurance brokerage that sells and consults on a portfolio of 26 insurance and consortium products from 19 partner carriers (including Porto Seguro, Bradesco, SulAmérica, Unimed, Amil, and Allianz). It serves individual consumers, families, businesses, and liberal healthcare professionals with offerings spanning auto, residential, life, health, dental, travel, pet, property, civil liability, and consortium products, generating revenue through carrier commissions.

Product overview

San Moritz Corretora de Seguros is a Brazilian insurance broker offering a comprehensive portfolio of 26 insurance and financial products across personal, corporate, and professional segments. The product lineup includes auto insurance, residential insurance, health and dental plans, life insurance, travel insurance, pet insurance (HEALTH FOR PET), personal accident coverage, funeral assistance, property insurance, business insurance, civil liability insurance, equipment insurance, rental guarantee (Fiança Locatícia), event insurance, consortium services, and private pension plans (PGBL/VGBL). The company specializes in serving healthcare professionals (profissionais liberais) and corporate clients, offering both individual and group insurance solutions through partnerships with major Brazilian insurers including Porto Seguro, Bradesco Seguros, SulAmérica, Unimed, Amil, Allianz, and 16 other insurance providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Automóvel) Auto insurance covering collisions, robbery, theft, natural damage, fire, 24-hour assistance, courtesy car, glass coverage, third-party vehicle damage, and personal injury coverage for individual vehicle owners.
• Residential Insurance (Residencial) Residential insurance protecting homes against fire, explosion, smoke, windstorm, hail, and theft, with 24-hour emergency assistance services including plumber and electrician support, for homeowners and residents.
• Life Insurance (Vida) Life insurance providing protection for policyholder and family including natural or accidental death coverage, permanent disability, funeral assistance, and capital doubling for accidental death.
• Family Health Plan (Plano de Saúde Família) Family health insurance plans offering individual and family coverage with access to medical professionals and a network of affiliated providers, targeted at consumers and families.
• Corporate Health Plan (Saúde Empresarial) Corporate health insurance plans providing medical, outpatient, hospital, diagnostic, and therapy coverage tailored to the contracting company's chosen standard, for businesses providing employee benefits.
• Corporate Dental Plan (Odontológico) Corporate dental plans focused on employee oral health, combining corporate attention with personalized service for small and medium businesses.
• Travel Insurance (Viagem) Travel insurance providing protection for national and international trips with services including accident coverage, trip cancellation, baggage loss, and medical assistance for individual travelers.
• Personal Accident Insurance (Acidentes Pessoais) Personal accident insurance offering coverage for accidental death, temporary disability income (DIT), and permanent total or partial disability from accidents, for individuals.
• Pet Health Insurance (Health for Pet) Pet health insurance plans for dogs and cats offering veterinary consultations, 24-hour phone service, exams, hospitalizations, vaccinations, and home visits, available in Pet Light, Pet Plus, Pet Total, and Pet Premium tiers, for pet owners.
• Funeral Assistance (Apoio Funeral) Funeral assistance providing comprehensive family support including funeral organization, burial or cremation arrangements, urn, flowers, and administrative formalities, for individuals and families.
• Private Pension (Previdência Privada) Private pension plans offering investment options with tax benefits (PGBL and VGBL) to guarantee future income for beneficiaries upon retirement, for individuals planning for retirement.
• Portable Equipment Insurance (Equipamentos Portáteis) Insurance for portable electronic equipment including smartphones, tablets, notebooks, cameras, and camcorders against physical damage, theft, robbery, and electrical damage, for individual consumers.
• Rental Guarantee Insurance (Fiança Locatícia) Rental guarantee insurance replacing guarantors and ensuring property owners receive unpaid rents and charges from tenants, for landlords and tenants.
• Event Insurance (Eventos) Event insurance providing coverage for corporate events, private parties, and entertainment events including civil liability, exhibitor liability, and installation coverage, for event organizers and hosts.
• Property Insurance (Seguro Patrimonial) Property insurance protecting business assets, real estate, equipment, and merchandise inventory against fire, explosion, theft, and electrical damage, for businesses.
• Business Insurance (Empresarial) Business insurance providing coverage for fire, smoke, explosion, electrical damage, and other specific coverages for commercial, industrial, or service establishments, for SMBs and enterprises.
• Condominium Insurance (Condomínio) Insurance for condominiums covering vertical residential, commercial, mixed-use buildings, offices, flats, apart-hotels, and horizontal residential condominiums against potential damages, for condo associations and managers.
• Bar and Restaurant Insurance (Bares e Restaurantes) Restaurant and bar insurance covering fire, explosion, smoke, theft of goods, value theft, and electrical damage for restaurants, bars, pizzerias, and steakhouses, for food service businesses.
• Aesthetic Clinic Insurance (Clínicas de Estética) Aesthetic clinic insurance covering theft, property loss, commercial point loss, moral damages, electrical damage, and vehicle/aircraft impact coverage, for aesthetic clinic operators.
• Consortium Service (Consórcio) Consortium service for automobiles and real estate providing interest-free financing through monthly contributions with credit letters and contemplative opportunities, for individuals and businesses.
• Civil Liability Insurance (Responsabilidade Civil) Civil liability insurance providing reimbursement for property or bodily damages caused involuntarily to third parties, including business operations and service provisions, for individuals and businesses.
• Temporary Disability Income Insurance (Renda por Incapacidade Temporária) Temporary disability income insurance guaranteeing monthly income from R$1,000 to R$30,000 in case of total temporary inability to work due to illness or accident for up to 12 months, for working individuals.
• Medical Professional Liability Insurance (Responsabilidade Civil Área Médica) Medical professional liability insurance guaranteeing compensation for damages caused to third parties that the professional is obligated to repair through court judgment or settlement, for healthcare professionals.
• Private Pension for Self-Employed Professionals (Planos de Previdência Privada) Private pension plans for self-employed professionals including closed complementary pension (managed by non-profit entities) and open complementary pension (offered by insurance companies or banks), for liberal professionals.
• Medical and Dental Equipment Insurance (Equipamentos Médicos e Odontológicos) Medical and dental equipment insurance protecting machines and equipment used in hospitals, clinics, laboratories, and veterinary practices, for healthcare providers and clinics.
• Simplified Life Insurance Online (Vida Mais Simples) Simplified life insurance product offered through Porto Seguro for easy online purchase, for individual consumers seeking quick coverage.
• Travel Insurance for Liberal Professionals (Viagem Lazer, Eventos e Congressos) Travel insurance for leisure, work trips, events, and congresses covering personal accidents, trip problems, baggage loss, and medical assistance, for liberal professionals and individuals.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered minor.

• AIGminorOthersInsurance carrier partner offering auto and other insurance products through San Moritz brokerage.
• AmilminorOthersHealth insurance operator partner providing health plan products through San Moritz.
• AllianzminorOthersInsurance carrier partner offering auto and health insurance products.
• Azul SegurosminorOthersInsurance carrier partner offering vehicle and other insurance products.
• Bradesco SegurosminorOthersMajor insurance carrier partner offering comprehensive insurance products including auto, health, and corporate coverage.
• HDI SegurosminorOthersInsurance carrier partner providing auto and other insurance products.
• Itaú SegurosminorOthersInsurance carrier partner offering auto and various insurance products.
• IturanminorOthersInsurance carrier partner specializing in vehicle tracking and auto insurance.
• Liberty SegurosminorOthersInsurance carrier partner offering auto and commercial insurance products.
• MapfreminorOthersInsurance carrier partner offering comprehensive insurance products.
• Mitsui SumitomominorOthersInsurance carrier partner providing auto and various risk insurance products.
• Porto SegurominorOthersMajor insurance carrier partner offering wide range of products including auto, residential, life, pet health (Health for Pet), and portable equipment insurance.
• Sompo SegurosminorOthersInsurance carrier partner offering auto and corporate insurance products.
• Suhai SegurosminorOthersInsurance carrier partner offering auto insurance products.
• Sulamérica SegurosminorOthersInsurance carrier partner offering health and auto insurance products.
• Tokio MarineminorOthersInsurance carrier partner offering auto, corporate, and various insurance products.
• UnimedminorOthersHealth insurance operator partner providing health plans and medical insurance.
• Unimed RiominorOthersRegional health insurance operator partner providing health plans in Rio de Janeiro region.
• Assim SaúdeminorOthersHealth insurance operator partner providing health plan products.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Lockton: Lockton is one of the largest independent global insurance brokers, offering multi-line brokerage across personal, commercial, and specialty risks—comparable business model to San Moritz's multi-carrier brokerage approach.
• Aon: Aon is a global professional services firm with significant insurance brokerage operations in Brazil, serving corporate and individual clients across health, life, P&C, and specialty lines—directly comparable to San Moritz's product breadth.
• Marsh: Marsh Corretora de Seguros is Marsh's Brazilian operation; a global insurance broker offering multi-line risk advisory and brokerage services similar to San Moritz but at much larger scale and with national/international geographic reach.
• Willis Towers Watson (WTW): WTW operates a global insurance brokerage practice including Brazilian operations, providing risk management, corporate health & benefits, and insurance advisory services comparable to San Moritz's offering.
• 180 Seguros (formerly Minuto Seguros): 180 Seguros is a Brazilian digital insurance broker offering multi-carrier brokerage across auto, home, life, and health—comparable multi-line offering to San Moritz but delivered through a digital-first model with national reach.
• Arthur J. Gallagher & Co. Arthur J. Gallagher (AJG) is a global insurance brokerage and risk management firm with comparable multi-line offerings spanning health, property/casualty, and specialty insurance for individuals and businesses.
• Howden: Howden is a fast-growing global insurance broker with expanding Latin American presence, offering multi-line retail and corporate insurance brokerage services directly comparable to San Moritz.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/sanmoritz
• LinkedInlinkedin.com/company/san-moritz-corretora

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 San Moritz Corretora