Seguros APS

What Seguros APS does

Seguros APS is a privately-held insurance brokerage firm (correduría de seguros) founded in 1998 and headquartered in Guatemala City, Guatemala. With approximately 10 employees and 27 years of operating history, the firm acts as an intermediary that places individual and corporate insurance policies with a network of 12 partner carriers across Central America, including Aseguradora General, ASSA, MAPFRE, Pan American Life, BAM, G&T, Seguros El Roble, Seguros Universales, BMI, La Ceiba, and Ficohsa Seguros. The firm has no proprietary technology platform; its digital infrastructure is limited to a WordPress-based informational website (segurosaps.com), JotForm for inquiries, and WhatsApp messaging for client communication and quoting.

The product offering is symmetric across individual and enterprise segments and spans automobile/fleet, medical expenses, personal accident, life, fire/property, motorcycle, aircraft, surety bonds, and equipment/machinery coverage. Distribution combines in-person advisory at the Guatemala City office (Avenida La Reforma 8-60, Zona 9), WhatsApp-based customer engagement with dedicated numbers by line of business (quotations, collections, medical expenses, claims), and a self-serve forms portal (segurosaps.gt) aggregating medical-expense submission forms for partner carriers. There are no proprietary digital underwriting, comparison, or claims automation tools.

Seguros APS generates revenue through commissions paid by insurance carriers for policies placed with clients (transaction-fee model). Pricing is not publicly disclosed; quotes are produced on request via WhatsApp or the contact form and are customized to risk profile and carrier selection. The customer base is bifurcated into individual/family clients (auto, health, life, home, accident) and corporate/business clients (fleet, group medical, group life, commercial property, surety, equipment), with no named enterprise customers and no disclosed revenue figures.

Name

Seguros APS

Legal name

Seguros APS

Website

https://segurosaps.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Seguros APS is a Guatemalan insurance brokerage founded in 1998 that places individual and corporate policies with 12 partner carriers across Central America, earning carrier commissions via WhatsApp, web, and in-person advisory channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Guatemala City

HQ country

Guatemala

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, Others

Revenue model

1. Insurance brokerage commissions: Seguros APS acts as a licensed insurance broker (correduría de seguros) earning commissions from insurance carriers for placing policies with individual and corporate clients. The company manages individual and corporate insurance policies across multiple insurers in Central America, serving both personal and business coverage needs.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Seguros APS is an insurance brokerage that places individual and corporate insurance policies with multiple partner insurance carriers on behalf of clients across Central America. The company earns commissions from carriers for distributing coverage across automobile, medical expenses, personal accident, life, fire, motorcycle, aircraft, surety bond, and equipment/machinery insurance lines. It also provides professional advisory, policy administration, claims assistance, and WhatsApp-based customer support.

Product overview

Seguros APS is an insurance brokerage firm with 27 years of experience operating in national and international insurance markets across Central America. The company offers two main product lines: Individual Insurance (Seguros Individuales) covering automobiles, medical expenses, personal accidents, life, fire, motorcycles, aircraft, surety bonds, and equipment/machinery; and Business/Enterprise Insurance (Seguros Empresariales) providing the same categories for corporate clients including vehicle fleets, group medical expenses, and commercial property coverage. The company also provides professional advisory services, WhatsApp-based quote services (4880-8984), and a medical expense forms portal connecting to partner insurers including Aseguradora General, ASSA, BAM, El Roble, G&T, Pan American Life, Seguros Universales, and MAPFRE.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro de Automóvil (Individual Auto Insurance) Individual vehicle insurance policy covering automobiles against damages, theft, and liability, placed with partner insurers on behalf of personal customers.
• Gastos Médicos (Individual Medical Expenses Insurance) Individual medical expenses insurance providing coverage for healthcare costs, placed with partner carriers for personal customers.
• Accidentes Personales (Individual Personal Accident Insurance) Individual personal accident insurance covering accidental death, disability, and related expenses for individuals.
• Seguro de Vida (Individual Life Insurance) Individual life insurance policy providing financial protection for beneficiaries, placed with partner insurers.
• Seguro de Incendio (Individual Fire Insurance) Individual fire insurance covering residential property damages caused by fire, placed with partner carriers.
• Seguro de Motocicleta (Individual Motorcycle Insurance) Individual motorcycle insurance covering motorcycles against damages and liability for personal customers.
• Seguro de Aeronaves (Individual Aircraft Insurance) Individual aircraft insurance providing coverage for personal aircraft owners, placed with partner carriers.
• Seguro de Caución Fianzas (Individual Surety Bonds) Individual surety bond insurance providing guarantee coverage for personal obligations.
• Equipo y Maquinaria (Individual Equipment Insurance) Individual equipment and machinery insurance covering industrial/personal equipment against breakdowns.
• Seguro de Vehículos / Flotillas (Corporate Fleet Insurance) Business vehicle and fleet insurance covering corporate vehicle fleets against damages and liability, placed with partner insurers.
• Gastos Médicos (Corporate Medical Expenses Insurance) Corporate medical expenses insurance providing group health coverage for businesses and their employees.
• Accidentes Personales (Corporate Personal Accident Insurance) Corporate personal accident insurance for business employees and personnel, placed with partner carriers.
• Seguro de Vida (Corporate Life Insurance) Corporate life insurance policies covering employees and key personnel of businesses.
• Seguro de Incendio (Corporate Fire Insurance) Business fire insurance covering commercial properties against fire damages.
• Seguro de Motocicleta (Corporate Motorcycle Insurance) Business motorcycle insurance for corporate motorcycle fleets, placed with partner carriers.
• Seguro de Aeronaves (Corporate Aircraft Insurance) Business aircraft insurance for corporate aircraft owners, placed with partner carriers.
• Seguro de Caución Fianzas (Corporate Surety Bonds) Corporate surety bond and guarantee insurance for business contractual obligations.
• Equipo y Maquinaria (Corporate Equipment Insurance) Business equipment and machinery insurance covering industrial equipment for corporate clients.
• Formularios de Gastos Médicos (Medical Expense Forms Portal) Self-serve forms portal (segurosaps.gt) linking clients to medical expense claim forms across partner insurers including Aseguradora General, ASSA, BAM, El Roble, G&T, Pan American Life, Seguros Universales, and MAPFRE.
• Asesoría de Seguros (Insurance Advisory) Professional advisory service helping individual and corporate clients select the ideal insurance coverage from multiple partner carriers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Twelve partnerships are on record, tiered core.

• Aseguradora GeneralcoreChannel Partner/ Reseller/ DistributorSeguros APS serves as an insurance brokerage intermediary for Aseguradora General, providing clients with access to General's insurance products including medical expenses and other coverage lines.
• ASEGURADORA ASSAcoreChannel Partner/ Reseller/ DistributorSeguros APS places client insurance policies with ASEGURADORA ASSA, offering medical expense and other insurance products through the APS brokerage.
• Seguros El RoblecoreChannel Partner/ Reseller/ DistributorSeguros APS acts as a distribution channel for Seguros El Roble's insurance offerings, including medical expenses and other coverage products.
• Aseguradora G&TcoreChannel Partner/ Reseller/ DistributorSeguros APS distributes G&T insurance products, providing clients access to the insurer's coverage options through the APS platform.
• Seguros Agromercantil (BAM)coreChannel Partner/ Reseller/ DistributorSeguros APS provides access to Seguros Agromercantil (BAM) insurance products through its brokerage platform and form submission portal.
• Pan American LifecoreChannel Partner/ Reseller/ DistributorSeguros APS serves as an intermediary for Pan American Life insurance products, offering clients access to the international insurer's life and health coverage.
• Seguros UniversalescoreChannel Partner/ Reseller/ DistributorSeguros APS distributes Seguros Universales products, providing clients with additional insurance options across multiple coverage lines.
• MAPFREcoreChannel Partner/ Reseller/ DistributorSeguros APS offers MAPFRE insurance products to clients, providing access to one of the largest international insurance providers' coverage options.
• BMI QuetzalescoreChannel Partner/ Reseller/ DistributorSeguros APS provides access to BMI Quetzales insurance products, offering local currency-denominated coverage options.
• La CeibacoreChannel Partner/ Reseller/ DistributorSeguros APS distributes La Ceiba insurance products, expanding client options for coverage across multiple lines.
• Ficohsa SeguroscoreChannel Partner/ Reseller/ DistributorSeguros APS provides access to Ficohsa Seguros products including medical expenses and other insurance coverage lines.
• BMI DólarescoreChannel Partner/ Reseller/ DistributorSeguros APS distributes BMI Dólares insurance products offering US dollar-denominated coverage options for clients.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Aon: Global insurance and reinsurance brokerage with a strong Latin America footprint, placing clients with multiple carriers across life, health, P&C, and specialty lines — directly comparable brokerage model serving corporate and individual clients across Central America.
• Willis Towers Watson (WTW): Major global insurance, reinsurance, and risk advisory firm with Central American operations, competing on the same multi-carrier placement model that Seguros APS uses for corporate and individual clients.
• Lockton Companies: World's largest independent (privately-held) insurance brokerage, operating globally with multi-carrier placement for commercial and specialty risks; directly comparable multi-line brokerage business model.
• Marsh: The world's largest insurance brokerage and risk advisor, with Caribbean and Central American offices providing commercial and individual placement across multiple carriers — directly comparable as a multi-line insurance intermediary operating in the region.
• Arthur J. Gallagher & Co. Large global insurance brokerage and risk management services firm placing commercial and personal lines across multiple carriers; comparable brokerage model serving mid-market and corporate clients with multi-line coverage.
• Alliant Insurance Services: US-focused insurance brokerage distributing commercial and personal lines through carrier relationships; comparable brokerage model placing clients with multiple insurers across diversified product lines.
• Brown & Brown: US-headquartered insurance brokerage distributing P&C, benefits, and personal lines through carrier partnerships; comparable intermediary placement model serving individuals and businesses.
• HUB International: North American insurance brokerage placing property, casualty, life, and benefits coverage through multiple carriers for both commercial and personal clients — similar multi-line intermediary model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/seguros-aps

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 Seguros APS