Overview
Kakau is a direct-to-consumer digital insurance carrier licensed by SUSEP (Brazil's insurance regulator) and focused on personal-lines coverage for mobile devices and bicycles in the Brazilian market. The company operates through its own insurance subsidiary, Kakau Seguradora S.A., which was established within the SUSEP Regulatory Sandbox and received full regulatory approval in 2022. Kakau was among the first insurers authorized by SUSEP to operate as a fully digital carrier in Brazil.
The company runs a mobile-first platform that handles policy issuance, payments, and claims entirely online. Underwriting relies on Kakau Sonar, a proprietary risk analysis system that uses AI and big data to assess policyholder risk. Claims are processed digitally with 24-hour customer support through an in-app virtual assistant named Anna.
Kakau pioneered subscription-based insurance in Brazil, targeting tech-savvy and underserved consumers. The company has distribution and reinsurance partnerships with American Life and Generali, and raised a USD 500K angel round from Insurtech Hub and Neowise. As of early 2026, the team comprised approximately 29 employees.