What Aserta does

Aserta (Aseguradora Aserta S.A. de C.V.) is a Mexican surety and insurance company (afianzadora y aseguradora de caución) operating under Grupo Financiero Aserta, founded in 1925 and headquartered in Mexico City. The company is regulated by the Comisión Nacional de Seguros y Fianzas (CNSF) and holds strong credit ratings including Moody's Baa2/AA+.mx, AM Best A/aaa.MX, and Fitch BBB+/AAA.mx. Aserta's core business centers on issuing surety bonds (fianzas) covering bid bonds, performance bonds, advance payment bonds, hidden defects bonds, lease bonds, fiscal bonds for tax authorities (SAT, IMSS, INFONAVIT, customs), fidelity bonds, credit bonds, and judicial bonds, alongside surety insurance (seguro de caución) and life insurance products through its Aserta Seguros Vida subsidiary.

The company serves multiple customer segments including contractors and suppliers in public/private tenders, employers seeking protection from employee crimes, government entities requiring fiscal compliance guarantees, parties to judicial proceedings, and small and medium enterprises (PYMES). A more recent direct-to-consumer offering, NOWO (nowo.ai), provides fully digital online rental guarantees for the residential real estate sector. Aserta also operates a dedicated life insurance line and supports the Palanca Aserta program co-developed with Nacional Financiera to provide 50% collateral backing for PYMEs pursuing government contracts.

Aserta's go-to-market combines 29+ physical branches across Mexico plus an international branch in Madrid, Spain, supported by an authorized agent network intermediating with more than 3,000 families. The revenue model is built on recurring annual premiums (prima de fianza) plus rights, fees, and VAT, with quote-based pricing tied to individual risk assessment. Reinsurance capacity is sourced from a broad international panel including Everest Re, Hannover Re, Munich Re, SCOR, and others. The company employs 320 internal collaborators as of December 2025, maintains strong digital infrastructure including the nowo.ai platform, internal policy validation portals, and Campus Aserta e-learning, and reports that contracts bonded or insured by Aserta represent more than 1.85% of Mexico's GDP in 2025.

Name

Aserta

Legal name

Aseguradora Aserta S.A. de C.V.

Website

https://aserta.com

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

101–250 employees

Short description

Aserta is a 100-year-old Mexican surety and insurance company under Grupo Financiero Aserta, issuing surety bonds, surety insurance, and life insurance products for contractors, government entities, employers, judicial participants, and small businesses via 29+ branches, an agent network, and the digital NOWO rental guarantee platform.

Ownership category

akta.pro rank

Product category

Surety Insurance

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)

SIC

Surety Insurance (6351), Life Insurance (6311), Insurance Carriers, Nec (6399)

akta.pro primary industry

Surety & Fidelity Bonds (FSAJAKAJ)

Keywords

• Surety bonds
• Surety insurance
• Rental guarantees
• Life insurance
• Contract guarantees

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Surety Bond Premiums (Prima de Fianza): Annual premiums charged for surety bonds covering bid bonds, performance bonds, advance payment bonds, fidelity bonds, fiscal bonds, judicial bonds, and credit bonds. The premium includes rights, fees, and applicable VAT charged annually.
2. Surety Insurance (Seguro de Caución): Insurance contract guaranteeing fulfillment of obligations in principal agreements, where the insurer pays indemnification for patrimonial damages caused by non-compliance of the contracting party. Includes nowo online rental guarantee product.
3. Life Insurance Products: Various life insurance products including Vida Clave (short and long term for legal entities), Vida Grupo (group life), and Individual life insurance policies for both individuals and legal entities.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Aserta is a Mexican surety and insurance company that issues surety bonds (fianzas) covering contract performance, bidding, advance payments, hidden defects, leases, fiscal obligations, fidelity, credit, and judicial matters. It also underwrites surety insurance (seguro de caución) guaranteeing contractual obligations, life insurance products via Aserta Seguros Vida, and a fully digital rental guarantee product called NOWO delivered through the nowo.ai platform for the residential real estate sector.

Product overview

Aserta is a Mexican financial guarantee company (afianzadora y aseguradora de caución) operating as Grupo Financiero Aserta. Its product portfolio centers on surety bonds (fianzas) covering diverse contractual obligations including bidding, performance, advance payments, hidden defects, leases, tax obligations, fidelity, credit, and judicial matters. Complementary offerings include Seguro de Caución (surety insurance), NOWO (a fully online rental guarantee targeting the real estate sector), and Aserta Seguros Vida life insurance products. Supporting services include Campus Aserta (training and education platform) and the Palanca Aserta SME support program developed with Nacional Financiera. The company operates primarily in Mexico and Spain, with a network of over 29 branches nationally plus one in Madrid.

Differentiator

Problem solved

Functional benefit

Brands

• NOWO: Digital rental guarantee insurance product (seguro de caución) for the real estate sector, enabling property owners and tenants to use the product with fully online contracting.

Products and services

• Fianza de Licitación A surety bond that guarantees a bid will be maintained during a public tender or auction process for construction or procurement contracts.
• Fianza de Anticipo A surety bond guaranteeing the proper investment, amortization, or full or partial return of advance payments granted under construction, service, procurement, purchase order, or supply contracts.
• Fianza de Cumplimiento A surety bond guaranteeing that construction, procurement, or service contracts will be fulfilled according to agreed terms.
• Fianza de Vicios Ocultos A surety bond guaranteeing the repair of hidden defects in completed works or delivered goods.
• Fianza de Arrendamiento A surety bond for rental contracts that guarantees payment of rent and services (water, electricity, gas, telephone, and internet) agreed between the landlord and tenant.
• Fianzas Fiscales Surety bonds issued before fiscal authorities (SAT, IMSS, INFONAVIT, customs authorities) for tax credits, duties, fines, and tariff disputes, covering nonconformity, payment agreements, and maquiladora customs obligations.
• Fianzas de Fidelidad Fidelity bonds protecting employers' assets from damage caused by employees committing patrimonial crimes such as theft, fraud, breach of trust, embezzlement, fraudulent administration, document forgery, and computer crimes.
• Fianzas de Crédito Surety bonds guaranteeing payment in credit transactions derived from the purchase and sale of goods and services of a mercantile nature, for individuals with business activity or corporations other than financial entities.
• Fianzas Judiciales Penales Surety bonds guaranteeing compliance with procedural obligations indicated by judicial authority in criminal proceedings, including provisional liberty, damage reparations, and fine payments.
• Fianzas Judiciales No Penales Surety bonds guaranteeing, by legal requirement and order of administrative or judicial authority, damages and losses that may arise from civil, commercial, constitutional, labor, or administrative proceedings.
• Seguro de Caución A guarantee contract ensuring fulfillment of obligations established in a main agreement, under which the insurer pays the agreed indemnity to the insured as compensation for patrimonial damages suffered due to the contractor's non-compliance.
• NOWO (Online Rental Guarantee) A fully online surety/guarantee product for the real estate sector, protecting landlords' rental income while building tenants' rental history. Offered under the seguro de caución model with complete digital contracting.
• Aserta Seguros Vida Life insurance brand under Grupo Aserta, offering life insurance products including individual, group, and PYMES life coverage for individuals and legal entities.
• Palanca Aserta A support program jointly developed with Nacional Financiera providing small and medium enterprises with 50% of the collateral required to obtain guarantees for federal and state government contracts and between private parties.

Quantifiable outcome

• More than 1.85% of Mexico's GDP represented by Aserta's bonded and insured contracts in 2025
• +4 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

22 partnerships are on record, tiered core and minor.

• Nacional FinancieracoreStrategic or Co-development PartnerCo-developed the Palanca Aserta program with Nacional Financiera, providing 50% collateral support for PYMES to obtain guarantees required for government contracts at federal and state levels, as well as between private parties, significantly enhancing small business growth opportunities.
• Pronatura MéxicominorOthersCollaboration with Pronatura México on environmental initiatives focused on biodiversity conservation, ecosystem protection, and promoting sustainable practices to ensure a healthy environment for future generations.
• APAC IAP (Asociación Pro Personas con Parálisis Cerebral)minorOthersSupport for APAC's mission to provide comprehensive care for people with cerebral palsy, improving mobility, autonomy, and quality of life while strengthening family support systems.
• Casa de la Amistad para Niños con CáncerminorOthersPartnership to support access to treatments, medications, and comprehensive care for children with cancer, providing real opportunities for recovery and well-being for Mexican families.
• COPILCO A.C. (Comunidad de Desarrollo Integral Copilco)minorOthersCivil society organization dedicated to academic education and values formation for children, youth, adults, and elderly at high risk of gang involvement, street situations, and domestic violence. Annual investment supports primarily children and adolescents.
• SEDAC (Servicio Educación y Desarrollo a la Comunidad)minorOthersSupport for educational and social programs that strengthen capabilities, promote inclusion, and improve living conditions for vulnerable populations.
• FUCAMminorOthersSupport for FUCAM's mission to provide breast cancer diagnosis and comprehensive treatment for women with limited resources, promoting access to life-saving health services.
• Fundación Casa Nueva IAPminorOthersSupport for comprehensive protection and development of children in vulnerable situations, providing opportunities for education, care, and accompaniment for a better future.
• COPARMEX (Confederación Patronal de la República Mexicana)minorOthersMembership in COPARMEX providing affinity in labor, economic, social, and political areas, participating in industry advocacy and policy discussions.
• USEM (Unión Social de Empresarios de México)minorOthersAlignment with USEM principles for building a highly productive and fully human enterprise, working towards common good and social values.
• Everest Reinsurance CompanycoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Hannover RecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Münchener Rück (Munich Re)coreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• SCOR Reinsurance CompanycoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• OdysseyRecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Atradius RecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Axis RecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Continental Casualty CompanycoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• Sompo EndurancecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• R+V Versicherung AGcoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• TransRecoreOthersInternational reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.
• PatriacoreOthersRegional reinsurance partner providing risk capacity and financial strength backing for Grupo Aserta's operations.

Scale indicators10 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Berkley International Seguros México: Mexican affiliate of W. R. Berkley underwriting surety and specialty lines in Mexico; competes head-on with Aserta in performance and commercial surety for mid-market and large corporate clients.
• Afianzadora Atlas: Long-standing Mexican surety (fianzas) carrier and one of Aserta's closest direct competitors in bid, performance, fiscal, fidelity, judicial, and credit bonds. Comparable product portfolio and Mexican CNSF-regulated distribution model.

Broad incumbents

• Liberty Mutual Insurance: Global surety market leader whose US/international surety operations compete with Aserta on large cross-border and infrastructure guarantees involving Mexican contractors.
• Chubb Seguros México: Mexican arm of global surety/insurance leader Chubb; offers surety as part of a broader P&C and specialty portfolio, competing with Aserta on large-infrastructure and multinational guarantee mandates.
• Seguros Inbursa: Diversified Mexican insurance conglomerate with surety capability; competes with Aserta on commercial/fiscal bonds while offering a full multi-line and financial-services stack.
• Travelers Companies: One of the largest US surety underwriters (contract and commercial), providing competitive pressure on Aserta for large-ticket construction and performance bonds with Mexican or multinational exposure.
• AXA Seguros México: One of Mexico's largest insurance groups offering surety bonds alongside broader P&C and life products; competes with Aserta on commercial surety while operating a much wider product set.
• GNP Seguros: Major Mexican multi-line insurer that underwrites surety bonds as part of its commercial offerings; comparable to Aserta on contract and fidelity products even though surety is a smaller portion of its book.
• Zurich Seguros México: Mexican operation of Zurich Insurance with established surety practice serving construction and corporate clients; overlaps with Aserta's performance/fidelity book as part of a wider insurance portfolio.

Emerging players

• Coface: Global trade-credit insurer that has expanded into surety and credit-bond products; competes with Aserta's Fianzas de Crédito and judicial-bond lines for commercial clients with cross-border exposure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/aserta_mx
• YouTubeyoutube.com/channel/UCPajKNfgg-xdqEdH7Fngs1g
• Facebookfacebook.com/AsertaMex
• LinkedInlinkedin.com/company/aserta
• Instagraminstagram.com/grupoaserta

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries4 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 Aserta