Pottencial Seguradora

Pottencial Seguradora is a direct and digital-first insurance carrier headquartered in Belo Horizonte, Brazil, offering Guarantee Insurance, Rental Bond Insurance, Residential Insurance, Machinery & Equipment Insurance, and Engineering Risks Insurance primarily to businesses and consumers in Brazil. Founded in 2010, the company has grown to become the national market leader in Seguro Garantia (Guarantee Insurance) for over seven consecutive years, with approximately 17.4% market share, and the vice-leader in Fiança Locatícia (Rental Bond Insurance).

The company operates with an API-first technology model, having built a publicly accessible Developer Portal and deployed API orchestration in partnership with Sensedia and SQUADRA Digital. This approach enables B2B integrations and programmatic access to its insurance products, positioning Pottencial as a technology-oriented carrier within the Brazilian market. The carrier actively engages with the insurtech community, participating in events such as Insurtech Brasil 2026 and maintaining industry conversations on topics such as MGA operations, regulatory developments, and sustainable growth.

Pottencial holds a Fitch Ratings credit rating of A+(bra), reflecting financial strength. The company received Great Place to Work certification in 2020 and has been recognized by Exame Magazine, Estadão, Segurador Brasil, and Mercado Comum awards. It maintains an NPS of 83 and holds 4.4 out of 5 stars across customer reviews.