ZURICH COLOMBIA SEGUROS S A

What ZURICH COLOMBIA SEGUROS S A does

Zurich Colombia Seguros S.A. is the Colombian operating subsidiary of Zurich Insurance Group, a Swiss-founded global insurer established in 1872. The Colombian entity began operations in 2015 and is domiciled in Bogotá under the legal name ZURICH COLOMBIA SEGUROS S.A. (NIT 860002534-0), regulated by the Superintendencia Financiera de Colombia. From a small local headcount of 24 employees, the entity underwrites a comprehensive portfolio spanning personal lines (Zurich Mov voluntary auto and mobility insurance, Zurich Home modular homeowners insurance, Zurich Arriendo rental insurance, life, personal accidents, and mass consumer products) and corporate lines (Zurich EcoCargo cargo, Engineering, Financial Lines, Property, Marine, Civil Liability, Compliance bonds, and SME-focused Zurich Cree). Travel assistance is offered through Cover-More group partnerships.

The company operates a digital-first distribution architecture on top of its global Zurich platform, enabling 100% online quotation, configuration, and purchase for its personal lines modular products (e.g., Zurich Mov Lite/Smart/Total tiers and Zurich Home Lite/Smart/Lite+Building tiers), supported by a proprietary self-service portal at web.zurichseguros.com.co. Distribution is multi-modal: digital self-service for consumers, a registered intermediary network of brokers and agents managed through the SUCIS system, enterprise field-sales for corporate and SME accounts, and strategic alliances — most notably with Central de Arrendamientos for digital rental insurance and Banco de Bogotá, BBVA, and PayU for payment collection and premium financing.

Revenue is generated principally through recurring P&C insurance premiums paid annually, semi-annually, quarterly, or monthly, with optional installment financing provided through Finanprimas, CrediSeguros, and Servifin. Pricing is publicly disclosed for personal lines (e.g., Zurich Mov from COP $500K/year, Zurich Home from COP $13K/month, Zurich Arriendo priced at 50% of annual rent) and quote-based for commercial lines. The company addresses two primary customer segments — individuals/families and corporate/SME clients — through a horizontal segmentation approach, leveraging the Zurich Group's 150-year global brand, 200-country footprint, and 75-million-customer platform as competitive differentiation.

Name

ZURICH COLOMBIA SEGUROS S A

Legal name

ZURICH COLOMBIA SEGUROS S.A

Website

https://zurichseguros.com.co

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Zurich Colombia Seguros S.A. is the Colombian subsidiary of Zurich Insurance Group, operating since 2015 to underwrite personal lines (auto, home, rental, life) and corporate insurance (cargo, engineering, property, marine, liability) for individuals, families, and SME clients across Colombia through digital portals, intermediaries, and strategic alliances.

Ownership category

akta.pro rank

Product category

Property & Casualty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Insurance Carriers (5241), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Commercial Property Insurance (FSAJACAE), Commercial Auto & Fleet Insurance (FSAJAMAB), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Property and casualty insurance
• Personal lines insurance
• Commercial insurance
• Auto insurance
• Home insurance

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance Premiums: Core revenue from underwriting personal and commercial insurance policies including auto, home, rental, accident, life, cargo, engineering, property, marine, and civil liability lines. Premiums collected annually, semi-annually, quarterly, or monthly with payment facilitation through banks, credit cards, and premium financing partners.
2. Premium Financing Services: Through partnerships with Finanprimas, CrediSeguros, and Servifin, customers can finance insurance premiums in installments, creating a revenue stream from financing arrangements.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Zurich Colombia Seguros S.A. underwrites and distributes personal and commercial insurance products in Colombia, including voluntary auto insurance (Zurich Mov), home insurance (Zurich Home), rental insurance (Zurich Arriendo), personal accidents, life insurance, mass consumer coverage, and corporate lines such as cargo, engineering, property, marine, financial lines, compliance, and civil liability. The company operates a digital-first purchase journey for personal lines and uses a network of registered insurance intermediaries and strategic alliances for broader product distribution.

Product overview

Zurich Colombia Seguros S.A. is a Swiss-founded global insurance company (operating in Colombia since 2015) offering a comprehensive portfolio of insurance products and services. The product portfolio includes personal lines (Zurich Mov for auto/mobility, Zurich Home for homeowners, Zurich Arriendo for rental properties, life insurance, personal accidents, and mass consumer products) and corporate lines (Zurich EcoCargo, property, marine, engineering, financial lines, civil liability, and compliance insurance). The company also offers SME-focused products like Zurich Cree and travel assistance through Cover-More partnerships. Key digital products include Zurich Mov (with Alfred® benefits), Zurich Home (modular 3-plan system), and Zurich Arriendo (100% digital rental insurance). The architecture combines core insurance products with supplementary assistance services, risk engineering, and premium financing options.

Differentiator

Problem solved

Functional benefit

Brands

• Zurich Mov: Voluntary car insurance product covering automobiles, bicycles, and electric scooters with modular plans (Lite, Smart, Total).
• Zurich Home
• Zurich Arriendo
• Zurich Cree
• Zurich EcoCargo

Products and services

• Zurich Mov Voluntary auto insurance product that also covers mobility alternatives such as bicycles and electric scooters, with benefits including 24 free car washes per year through the Alfred partnership. Offered in modular plans Lite, Smart, and Total for individual customers.
• Zurich Home Modular home insurance that protects construction, belongings, family members, and pets with customizable coverage plans (Lite, Smart, Lite+Building) for individual homeowners.
• Zurich Arriendo Digital rental insurance product that protects landlords against payment default and legal issues during lease contracts, with strategic alliance to Central de Arrendamientos for online quotation and tenant screening.
• Zurich EcoCargo Cargo insurance product within the corporate lines offerings, providing environmental and cargo protection cover for corporate clients.
• Zurich Cree Insurance product for small and medium enterprises (SMEs) covering property damage, theft, electronic equipment, civil liability, and business assistance services.
• Accidentes Personales Personal accident insurance covering individuals against accidental injuries as part of the personal lines portfolio.
• Seguro de Vida Life insurance product protecting beneficiaries in case of death of the insured as part of the personal lines portfolio.
• Consumo Masivo Mass consumption insurance products targeting individual consumers as part of the personal lines portfolio.
• Cumplimiento Performance bond/guarantee insurance for corporate clients covering compliance and contractual obligations.
• Ingeniería Engineering insurance covering construction and installation risks for corporate clients.
• Líneas Financieras Financial lines insurance products for corporate risk management covering financial and professional exposures.
• Property Property insurance for corporate clients covering buildings and assets against damage and operational losses.
• Marine Marine insurance for cargo and maritime transport coverage for corporate clients.
• Responsabilidad Civil Liability insurance protecting businesses against third-party claims for corporate clients.
• Asistencias en Viaje Travel assistance services offered through the Cover-More partnership, including Travel Ace and Universal Assistance brands for travelers.

Quantifiable outcome

• 14 houses donated to vulnerable families in 2024 through Un Techo para Colombia partnership
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

17 partnerships are on record, tiered core and minor.

• Z Zurich FoundationcoreStrategic or Co-development Partner · 1 January 2022Corporate foundation supporting sustainability initiatives including flood resilience projects, social equity, and mental health programs. Funding partner for community resilience programs across Colombia.
• Sociedad Nacional de la Cruz Roja ColombianacoreStrategic or Co-development Partner · 1 January 2022Strategic partner for community flood resilience project using AVCA and CRMC methodologies. Project running 2022-2025 across Soacha, Copacabana, and La Playa municipalities, targeting 30,000 beneficiaries.
• Banco Santander (Zurich Santander Joint Venture)coreStrategic or Co-development Partner · 1 January 201125-year partnership forming Zurich Santander joint venture in 2011, providing access to 36+ million customers across Argentina, Brazil, Chile, Mexico, and Uruguay.
• Central de ArrendamientoscoreStrategic or Co-development PartnerStrategic alliance for digital rental insurance distribution. Central de Arrendamientos provides online quotation, tenant screening, and rental management platform integrated with Zurich Arriendo insurance product. Enables 100% digital rental insurance experience.
• AlfredminorGTM or Marketing PartnerBenefits partner for Zurich Mov auto insurance providing Alfred branded services including 24 free car washes per year to policyholders.
• FinanprimasminorChannel Partner/ Reseller/ DistributorPremium financing partner enabling installment payments for insurance policies through Finanprimas financial services.
• CrediSegurosminorChannel Partner/ Reseller/ DistributorPremium financing partner for insurance premium installment payments.
• ServifinminorChannel Partner/ Reseller/ DistributorPremium financing partner for insurance premium installment payments, based in Cali.
• Banco de BogotácoreChannel Partner/ Reseller/ DistributorPrimary payment collection partner for insurance premium payments via barcode and savings account (Account 50029529).
• BBVAminorChannel Partner/ Reseller/ DistributorInternational payment partner for USD-denominated policy payments. Supports wire transfers for policies issued in dollars.
• PayUminorChannel Partner/ Reseller/ DistributorOnline payment processor enabling credit and debit card payments for insurance premiums through Zurich payment portal.
• Make a Wish ColombiaminorStrategic or Co-development PartnerSocial impact partnership fulfilling wishes of children diagnosed with difficult-to-treat illnesses. Zurich supports with 60 volunteers annually to fulfill 10 wishes per year.
• Un Techo para ColombiaminorStrategic or Co-development PartnerSocial equity partnership building houses for vulnerable families. In 2024, Zurich delivered 14 houses in Barranquilla, Bogotá, Bucaramanga, Cali, Manizales, and Medellín with 180 employee volunteers.
• Fundación ForgeminorStrategic or Co-development PartnerSocial equity partnership providing skills and resources to vulnerable youth and families to reach their maximum potential.
• Fundación Vida NuevaminorStrategic or Co-development PartnerWellbeing partnership supporting women in vulnerable situations through social programs.
• Instituto TerraminorStrategic or Co-development PartnerZurich Forest partnership for reforestation of 700 hectares in Brazil's Atlantic Forest over 8 years. Will plant 800,000 seedlings and replant 200,000 with 120 native tree species.
• Saving the AmazonminorStrategic or Co-development PartnerAmazon reforestation partnership in Vaupés, Colombia. 2,000 trees planted with indigenous Tayazú community, managed by women-headed households.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Seguros Bolívar: One of the largest Colombian insurance groups with broad personal and commercial offerings. Directly comparable because it competes head-to-head with Zurich Colombia on auto, home, life, and corporate lines in the same regulatory and distribution environment.
• Sura Seguros: Colombian-domiciled multi-line P&C and life insurer and one of the dominant incumbents in the Colombian market. Directly comparable as a locally regulated, full-line carrier competing for the same individuals, SMEs, and corporate customers across auto, home, life, and commercial lines.
• Liberty Seguros Colombia: Colombian P&C subsidiary of Liberty Mutual offering auto, home, and commercial lines. Closely comparable as a foreign-owned multi-line insurer competing for the same Colombian individuals and SME/corporate customers.
• HDI Seguros Colombia: Colombian subsidiary of German insurer HDI (Talanx Group), focused on P&C for individuals and companies. Directly comparable multi-line competitor with similar multinational parent structure and broker-led distribution.
• Chubb Seguros Colombia: Colombian P&C subsidiary of global specialty insurer Chubb, focused on commercial lines including property, marine, liability, and financial lines. Comparable as a direct competitor for Zurich EcoCargo, Engineering, Property, Marine, and Civil Liability corporate products.
• Mapfre Colombia: Colombian subsidiary of Spanish global insurer Mapfre, offering personal and commercial P&C. Closely comparable as another multinational carrier operating through mixed digital-and-intermediary distribution in Colombia, similar product breadth to Zurich Colombia.

Broad incumbents

• Allianz Colombia: Colombian subsidiary of global insurer Allianz, offering personal and corporate P&C plus life. Comparable as another global brand operating across the same product lines, with the parent's broader portfolio support.
• AXA Colpatria Seguros: Colombian subsidiary of global insurer AXA, with embedded distribution through Banco Colpatria. Comparable as a larger international P&C player with both direct and bank-embedded distribution in Colombia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/zurich-colombia-seguros-s-a

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 ZURICH COLOMBIA SEGUROS S A