Touareg Seguros

What Touareg Seguros does

Touareg Corretora de Seguros S.A. is a Brazilian insurance brokerage founded in 2011 and headquartered in Salvador, Bahia. The company operates the largest insurance franchise network in Brazil's Northeast, comprising approximately 330 active franchisees with 350 commercialized units and a stated target of 400 by year-end 2026. Touareg distributes a broad insurance and financial-services portfolio sourced from 30+ partner insurers (seguradoras), spanning personal lines (auto, life, residential, health, dental, travel, personal accident), business lines (enterprise, fleet, property, liability, employee benefits), and specialty lines (aviation, maritime hull, engineering risks, cyber risk, weather/crop risk, animal insurance). Financial products include Consórcio Touareg (consortium services for property and vehicles), private pension (Previdência Privada), and rental guarantee insurance. A dedicated corporate division, Touareg Corporate, serves medium and large enterprises across 7 Brazilian states with risk consulting and structured program design.

The company's technology stack is a cloud-based insurance brokerage platform with AI-augmented tooling: NLP-driven chatbots provide 24/7 customer support and lead qualification; computer-vision image processing accelerates claims evaluation by analyzing customer-submitted photos; predictive analytics models risk profiles for personalized underwriting; anomaly detection flags suspicious claims patterns; and process automation handles policy issuance and administrative workflows. A digital quotation portal enables real-time price comparison across the 30+ insurer panel, while franchisees access a dedicated CRM and franchise management portal for lead tracking, portfolio management, and performance reporting. The platform supports both direct-to-consumer channels (website, WhatsApp, phone) and the distributed franchise network.

Touareg generates revenue primarily through brokerage commissions on premiums placed with partner insurers, supplemented by franchise fees (initial investment from R$40,000 per unit) and ongoing royalties, corporate consulting fees from Touareg Corporate engagements, and consortium administration fees. Premiums issued grew from R$70M in 2024 to R$120M in 2025 — a 70%+ YoY increase — with March 2025 premium volume up 163% versus March 2024. The company has stated a target of R$180M in premiums issued and R$200M in revenue for the forward year. Touareg is privately held with no external institutional investor funding disclosed and operates with a lean corporate staff of approximately 42 employees supporting the broader franchise network. CEO André Costa leads the company; the firm is a member of the Brazilian Franchising Association (ABF) and has participated in ABF Expo Franchising annually since 2019.

Name

Touareg Seguros

Legal name

A TOUAREG CORRETORA DE SEGUROS S.A.

Website

https://touaregseguros.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Touareg Seguros is a Brazilian insurance brokerage that distributes personal, commercial, and specialty insurance products from 30+ partner insurers through a franchise network of approximately 330 units across Brazil, plus a dedicated corporate division serving medium and large enterprises with risk consulting.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114), Finance and Insurance (52)

SIC

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

akta.pro primary industry

Provider Network, Credentialing & Contracting Support (BPAAAFAI)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)

Keywords

• Insurance brokerage services
• Insurance franchise network
• Commercial insurance brokerage
• Personal lines insurance
• Risk management consulting

Headquarters

HQ city

Salvador

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Touareg acts as an insurance broker earning commissions from insurance companies (seguradoras) for placing insurance policies. The company works with 30+ insurers and earns commissions on premiums written across personal lines (auto, life, residential, dental, travel), corporate insurance (business, fleet, property, liability), and specialty lines (aviation, marine, engineering, cyber risk).
2. Franchise Fees and Royalties: The company sells franchise units (franquias) to entrepreneurs who operate independent insurance brokerage offices under the Touareg brand. Franchise investment starts at R$40,000. Franchisees pay fees and contribute to the network, generating upfront and ongoing revenue for the franchisor.
3. Corporate Consulting Fees: Touareg Corporate provides risk management consulting and structured insurance programs for medium and large enterprises, charging fees for advisory services alongside policy placement.
4. Consortium (Consórcio) Administration: Touareg operates a consortium product for real estate and automobiles, earning administration fees and commissions on consortium quotas sold to clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Touareg Seguros is a Brazilian insurance brokerage that distributes a broad multi-line portfolio (auto, life, residential, health, dental, travel, business, fleet, liability, aviation, marine, engineering, cyber, and specialty insurance) plus consortium services on behalf of 30+ insurers. It serves individual consumers, SMEs, and large enterprises through a franchise network of 350+ units, a direct digital channel (website, WhatsApp, phone), and a dedicated Touareg Corporate division. It also sells franchise rights (starting at R$40,000) to entrepreneurs and supports them with an AI-enabled brokerage platform.

Product overview

Touareg Seguros operates as a comprehensive insurance brokerage platform offering a broad portfolio of insurance products and financial services through both individual (Para Você) and business (Para Empresas) channels, as well as a specialized corporate division (Touareg Corporate). The core offerings include vehicle insurance (Seguro Auto), residential insurance (Seguro Residencial), life and accident insurance (Seguro de Vida, Seguro de Acidentes Pessoais), health and dental plans (Plano de Saúde, Plano Odontológico), and travel insurance (Seguro Viagem). For businesses, the company provides enterprise insurance (Seguro Empresarial), fleet coverage (Seguro Frota), cyber insurance (Cyber Risks), engineering risks (Riscos de Engenharia), and liability coverages (Responsabilidade Civil, RC Ambiental, RC Eventos). The portfolio also extends to specialized products like aviation insurance (Seguro Aeronáutico), maritime hull insurance (Cascos Marítimos), animal insurance (Seguro de Animais), and weather risk insurance. Financial products include rental guarantee insurance (Seguro Fiança Locatícia), consortium services (Consórcio Touareg), and private pension (Previdência Privada). The corporate division focuses on guarantee insurance (Seguro Garantia), property risks (Riscos Patrimoniais), and corporate benefits management.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto Vehicle insurance offering basic and additional coverage options for protection against theft, fire, collision, and other incidents. Sold to individual vehicle owners through the website, franchisees, and corporate sales.
• Seguro Residencial Home insurance providing 24-hour assistance including locksmith, electrician, and plumber services, plus coverage for property damage. Targeted at homeowners and tenants.
• Seguro de Vida Life insurance protecting the future of loved ones with coverage for death and accidents.
• Plano de Saúde Health insurance and plans with nationwide coverage, wellness programs, and care services for quality of life. Offered both to individuals and as an employee benefit.
• Plano Odontológico Dental plan coverage offering treatments including cleaning, cavity treatment, tartar removal, and procedures based on contracted package.
• Seguro Viagem Travel insurance for national and international destinations providing protection during trips.
• Seguro Empresarial Business insurance with customizable coverage for structure, assets, merchandise, property, investments, and cyber risks, targeted at SMEs and large companies.
• Seguro Frota Fleet insurance for businesses with 2+ vehicles, with customized coverage based on company needs.
• Cyber Risks Cyber insurance protecting businesses against hacker invasions, viruses, malware, unauthorized network access, and data breaches.
• Seguro Aeronáutico Aviation insurance covering aircraft hull damage, engine/avionics, expense reimbursements, and passenger/cargo liability.
• Cascos Marítimos Maritime hull insurance covering losses and damages to vessels including hulls, engines, and equipment.
• Riscos de Engenharia Engineering risk insurance covering civil works against fire, execution errors, sabotage, theft, weather events, and third-party damages.
• Responsabilidade Civil Civil liability insurance protecting assets if the company is held responsible for damages to third parties.
• RC Ambiental Environmental liability and contractor insurance covering pollution damages and errors in service provision.
• RC Eventos Event civil liability insurance covering bodily and property damages during event setup, execution, and dismantling.
• Weather Risks Climate risk insurance indexed with pre-defined parameters covering producers against crop failure.
• Seguro de Animais Animal insurance covering equines, donkeys, mules, cattle, goats, sheep, and pigs.
• RD Equipamentos Equipment insurance covering damages from external causes including flooding and theft.
• Seguro de Transporte Transport insurance covering damages to goods during domestic or international transport.
• Seguro Condomínio Condominium insurance covering damages from fire, lightning, explosion, implosion, aircraft crashes, and accidental sprinkler activation.
• Seguro de Recebíveis Imobiliários Real estate receivables insurance protecting investors in debt instruments with real estate guarantee.
• Seguro de Acidentes Pessoais Personal accident insurance guaranteeing payment of insured capital in case of permanent total or partial disability from accidents, or to beneficiaries in case of accidental death.
• DIT/SERIT Daily Indemnity Insurance guaranteeing payment of daily amounts for total, continuous, but temporary inability to work due to illness or personal accident.
• Seguro Fiança Locatícia Rental guarantee insurance acting as guarantor to avoid depleting savings for deposits.
• RC Profissional Professional liability insurance covering civil responsibility for damages caused to third parties, targeted at self-employed professionals.
• Seguro de Equipamentos Portáteis Portable equipment insurance covering physical damage from drops, theft, or electrical damage.
• Consórcio Touareg Consortium service for acquiring property and vehicles with flexible conditions and 0% interest rates.
• Previdência Privada Private pension as a vehicle to accumulate resources complementary to basic social security retirement.
• Vida em Grupo Group life insurance protecting employees, partners, and executives with coverage extensible to spouses and children.
• Convenções Coletivas Collective agreement services including life insurance, medical plans, funeral assistance, and food baskets.
• Touareg Corporate Services Dedicated corporate division serving medium and large enterprises with risk consulting, insurance program structuring, and claims management across 7 states in Brazil. Covers guarantee, property, liability, fleet, and corporate benefits lines.
• Touareg Insurance Brokerage Franchise Franchise offering enabling entrepreneurs to operate an independent insurance brokerage office under the Touareg brand, with technology platform, CRM, access to 30+ insurers, and marketing support. Initial investment R$40,000.

Quantifiable outcome

• 70%+ growth in premiums issued from R$70M (2024) to R$120M (2025)
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core.

• ABF (Associação Brasileira de Franchising)coreOthersTouareg became an associated member of ABF (Brazilian Franchising Association) in 2019. The company participates annually in ABF Expo Franchising (the largest franchise fair in Latin America), exhibiting to recruit franchisees. ABF membership provides credibility, networking, and industry representation for the franchise network.
• 30+ Insurance Companies (Seguradoras)coreOthersTouareg operates partnerships with 30+ insurance companies (seguradoras), integrating their products through a single brokerage platform. This allows the company to offer comparative quotes across auto, life, health, residential, corporate, and specialty insurance lines. Partners include major Brazilian insurers represented by their logos on the Touareg website.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mapfre Brasil: Brazilian subsidiary of global insurer Mapfre, offering auto, home, life, and commercial lines via brokers and agencies. Comparable as both a carrier partner to brokers and a competitor for personal/casualty customers.
• SulAmérica: Major Brazilian insurance and benefits group across health, life, dental, and P&C, distributed through brokers and direct channels. Comparable to Touareg in the breadth of personal/corporate lines and Touareg Corporate's benefits offerings.
• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest financial conglomerates, offering life, health, dental, and P&C through bancassurance and broker channels. Overlaps with Touareg in corporate benefits and life/dental distribution.
• Porto Seguro: One of Brazil's largest insurance carriers, with broad auto, home, and life offerings plus its own broker/agency distribution. Competes with Touareg on multi-line personal insurance and is a key carrier in many brokers' panels.

Direct peers

• 180 Seguros: Brazilian digital insurance broker offering multi-carrier comparison primarily online. Overlaps with Touareg's personal lines quoting flow and franchisee-supported multi-carrier access.
• Minuto Seguros: Brazil's largest digital insurance broker with a franchise/franchisee-like model and multi-carrier quoting. Most directly comparable to Touareg in combining franchise distribution with digital tools and broad personal/casualty line offerings.
• Liber Seguros: Brazilian insurance broker with a multi-carrier platform serving individual and small business customers. Comparable to Touareg in operating an online brokerage model across personal and commercial lines.
• Wiz Soluções: One of Brazil's largest insurance brokerages, with embedded distribution through banking partners and a multi-carrier platform. Comparable to Touareg in acting as a multi-carrier intermediary for personal and commercial lines.

Emerging players

• Akko Seguradora: Brazilian digital-first insurer for personal electronics and niche consumer lines. Comparable to Touareg in its focus on portable device insurance and digital-first customer experience.
• Justos: Brazilian insurtech using AI-driven pricing and digital distribution, initially in auto insurance. Comparable to Touareg in applying technology to insurance intermediation, but a pure digital-native rather than a franchise model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@oficialtouareg5448
• Facebookfacebook.com/oficialtouareg
• LinkedInlinkedin.com/company/touareg-seguros
• Instagraminstagram.com/oficialtouareg

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 Touareg Seguros