Junto Seguros: A Digital Insurance Pioneer in Brazil

August 24, 2025 - By Henry Joseph

1. What is Junto Seguros? History and Background

Junto Seguros (formerly JMalucelli Seguradora) is a Brazilian insurance company headquartered in Curitiba, Paraná, founded on January 24, 1992. In its early years, the company operated in general insurance lines, including property and group life. By 1995, it shifted focus and began specializing exclusively in Surety Bonds, becoming one of the pioneers authorized by IRB Brasil Resseguros to operate in this segment

In 2010, U.S.-based Travelers Insurance acquired 43% of the company, marking the beginning of an international partnership. By 2018, the company rebranded as Junto Seguros and relaunched its corporate identity along with a modernized digital portal to align with the demands of a rapidly evolving insurance market

2. Specialization in Surety Bonds and Rental Guarantees

The company’s core business lies in Surety Bonds, a vital tool in commercial contracts, judicial guarantees, and construction projects. One of its most notable offerings is the Rental Guarantee Insurance (Fiança Locatícia), which acts as a substitute for the traditional guarantor in real estate rental agreements

This product has grown significantly in Brazil, where landlords and tenants increasingly prefer an insurance-backed rental guarantee over personal guarantors. It provides security for landlords while making the rental process simpler and faster for tenants

3. Technology and Innovation: A Digital-First Insurer

Digital transformation is at the heart of Junto Seguros’ strategy. The company invests around 6% of its revenue in technology, with its IT department representing nearly 25%–30% of the organization

Key innovations include:

100% digital rental guarantee platform – automates the entire insurance process, from quoting to issuance, using AI and automation.
API integrations – allow real estate agents and partners to embed Junto’s insurance solutions directly into their own systems.
Generative AI projects – Junto uses Microsoft Copilot to accelerate coding and has begun testing AI-powered underwriting and credit analysis, showing early promising results.

These advances earned Junto Seguros recognition in the prestigious “100+ Innovators in IT” ranking by Fórum IT, where the company climbed from 14th to 10th place thanks to its digital initiatives

4. Tools and Commercial Support for Brokers

Beyond its own insurance products, Junto Seguros has developed digital tools to support brokers, strengthening its B2B model.

The Fidelize platform is one example—an innovative solution that identifies opportunities in legal requirements, public bids, and traditional insurance obligations, helping brokers grow their portfolios and better serve clients

By leveraging this tool, brokers gain access to data-driven insights, reduce manual work, and enhance customer relationships, which in turn increases Junto Seguros’ market reach.

5. Corporate Reach, Culture, and Social Responsibility

Today, Junto Seguros employs over 350 professionals across offices in Curitiba, São Paulo, Rio de Janeiro, and Belo Horizonte. The company serves more than 80,000 corporate clients, has issued over 1.5 million policies, and works with a network of 6,000+ brokers nationwide

The company is also recognized for its strong workplace culture, with a focus on diversity, equity, and inclusion (DEI). In 2023, it was named one of the Best Companies for Women to Work For by Great Place to Work (GPTW).

Employee initiatives include:

Internal inclusion campaigns promoting equal opportunities.
Career development programs to nurture talent across levels.
Employee forums that encourage open dialogue and collaboration.

This approach has positioned Junto Seguros not only as an insurance leader, but also as an employer of choice in Brazil

6. Impact on the Insurance Market and Future Outlook

Junto Seguros continues to make a strong impact in the Brazilian insurance market by combining technical expertise in surety insurance with cutting-edge digital innovation. Its emphasis on APIs and platform integration opens new distribution channels, making its services more accessible to businesses and individuals alike.

Looking ahead, Junto is expected to:

Expand its B2B partnerships through seamless integration tools.
Further adopt AI-powered automation in underwriting and customer service.
Explore new insurtech opportunities in emerging markets within Brazil’s digital economy.

This balance of tradition and innovation positions Junto Seguros as a leading force in the future of insurtech in Latin America.

Conclusion

Junto Seguros has evolved from a traditional insurance company into one of Brazil’s most innovative digital insurers. With a legacy in surety bonds, a growing role in rental guarantees, and a clear commitment to AI, automation, and digital-first strategies, it stands out as a modern player in the insurance industry.

At the same time, its emphasis on social responsibility and workplace inclusion makes it not just a business leader, but also a model for corporate values in Brazil. As digital insurance adoption grows, Junto Seguros is set to play a defining role in shaping the future of insurance in Latin America.