180 Seguros

180 Seguros is a Brazilian insurance company that builds and operates customized insurance products for partner businesses, combining proprietary technology with end-to-end operations from product development through scaling. It describes itself as the country's first tech insurer and was founded by former Nubank partners. The company is licensed as an insurer authorised by SUSEP (180 Seguros S.A., CNPJ 39.999.619/0001-97) and is based on Rua João Moura in the Pinheiros district of São Paulo.

The platform lets companies sell insurance embedded in their own customer journeys through a single API, file exchange, or a customizable sales interface. Its Hub centralizes metrics, quotes, policy issuance, claims and profiles for managing the full operation, with automated end-to-end workflows and configurable, transparent commission splits. Partners can customize coverages, assistance services and commissioning per partner, and run dynamic pricing tests by sale or customer profile; the company says it maintains more than 200 different prices to enable A/B testing, along with customer tracking, NPS monitoring and call volume monitoring. The product portfolio includes credit life (prestamista), personal accident, extended warranty, homeowners, real-estate and financial-transaction insurance.

Artificial intelligence is applied to underwriting, pricing, process automation and claims management, with the company stating that more than 80 per cent of its claims are adjudicated by proprietary models. It is building a business vertical called B2B2AI and a Model Context Protocol (MCP) server that acts as an API for AI services, with authorisation layers, auditing and controls intended to let large language models operate securely and in compliance, and to translate conversational customer interactions into commands in 180's systems so the full policy lifecycle can be handled by AI agents, including agents operated by distribution partners.