Overview
Latu Seguros is a commercial lines MGA operating in Brazil and broader Latin America, providing cyber, professional liability, directors and officers, and general liability coverage to small and medium-sized businesses. The company uses AI-driven underwriting and digital tools to automate risk assessment, issue policies in minutes, and distribute products through a broker network. It holds underwriting authority and operates a digital platform for quoting, binding, and policy management.
The company writes professional indemnity (E&O), cyber, and D&O coverage as its core lines, with capacity provided through Lloyd's of London market relationships developed through participation in the Lloyd's Lab accelerator program. Coverage limits on cyber policies extend up to USD 10M. A proprietary systemic risk model has been filed with the Brazilian insurance regulator.
Latu distributes primarily through a broker channel with hundreds of registered brokers. WhatsApp is used as the primary communication channel for broker coordination. The company targets the insurance protection gap in Latin America, where SMB coverage rates remain low compared to other regions.
Products & Services
Cyber Insurance
Coverage for cyber threats including attacks from organized hackers. Integrates cybersecurity monitoring software with the policy to provide policyholders with threat intelligence, security alerts, and risk insights alongside the insurance coverage.
Key Features
- Protection against organized cyber attacks
- Threat intelligence and security alerting included
- Coverage limits up to USD 10M
- Automated risk assessment and real-time quoting
Target Users: SMBs and mid-market companies in Latin America with cyber exposure
Distribution: Broker channel
Professional Indemnity (E&O)
Errors and omissions coverage for technology companies and professional service providers, with digital quoting and streamlined underwriting.
Key Features
- Technology E&O coverage
- Automated quoting integrated with broker systems
- Simplified digital underwriting process
- Coverage issuance in minutes
Target Users: Technology and professional services SMBs in Brazil and LatAm
Distribution: Broker channel
Directors and Officers (D&O)
Executive liability coverage for company directors and officers, distributed digitally through brokers with real-time quoting capabilities.
Key Features
- D&O liability protection for executives
- Streamlined digital underwriting
- Real-time quoting for brokers
Target Users: SMBs and mid-market companies requiring executive liability protection
Distribution: Broker channel
Additional Lines
Corporate travel insurance, SME packages, and group life insurance, all with digital quoting and rapid issuance.
Target Users: Latin American SMBs
Distribution: Broker channel