180 Seguros

180 Seguros is a B2B2C embedded insurance carrier based in Brazil, distributing personal and commercial insurance products through fintechs, digital banks, cooperatives, and financial platforms via a REST API. The company holds its own carrier license and operates across product lines including financial transactions, real estate, residential, extended warranty, loan protection, and personal accident insurance.

The company uses AI-driven automation across underwriting, claims, and customer service, with more than 80% of claims processed by AI systems as of 2025. The platform provides a unified integration layer -- a single API connection -- that allows distribution partners to offer insurance products embedded in their own customer journeys, with automated commission splits and centralized reporting. In late 2025, 180 Seguros launched AI-agent-driven operations with Klubi, enabling end-to-end insurance purchase in approximately 30 seconds with no human involvement. The company was also the first in Latin America to deploy an MCP (Model Context Protocol) server for insurance.

180 Seguros raised USD 31.4M in a Series A round in 2022 led by 8VC -- the largest insurtech Series A in Brazilian history at the time -- followed by a USD 9.2M pre-Series B in February 2026 from 8VC, Monashees, and Canary. Total funding stands at approximately USD 46M. In 2025, the company reported 919% growth in issued premiums, reaching BRL 273.9 million, while its claim ratio improved from 18.7% to 4.9% despite a tenfold revenue increase.