Multinational Programs - Suramericana

Welcome to Multinational Programs

We support our clients' international expansion by providing services and coverage in Latin America. We have a business unit specialized in providing comprehensive insurance solutions to companies with a presence in multiple countries.

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About Us

We offer comprehensive insurance and risk management solutions for expanding companies. With a presence in over 20 countries and more than 15 years of experience, we ensure regulatory compliance and local support through our own teams and strategic partners. We have managed programs for nearly 700 clientsreaching around 2024 USD 100 million in premiums issued in the region.

Why we do it

We believe in the potential of Latin American companies to compete globally. We understand the challenges of international expansion—risks, regulations, and culture—because we have grown in this same region. That's why we are the strategic partner that provides multinational insurance programs with international coverage, local compliance, and in-depth knowledge of the Latin American context.

How we support you

We support you as a close and reliable strategic partner who understands the specificities of the Latin American environment and integrates them into multinational insurance solutions designed to support your global growth. Just with the possibility of having Alternative Risk Financing (Captive).

What is a SURA multinational program?

Regional coverage with local compliance in each country.

Tailor-made solutions according to sector, risks and expansion.

Centralized attention and efficient claims processing.

Operational efficiency: fewer duplications and optimized costs.

Regulatory compliance with deep local knowledge.

Our Portfolio

Digital Protection – Cyber

In an increasingly connected world, digital risks are a reality. With this coverage, your company will be protected against cyberattacks, information theft, viruses, and any other threats that jeopardize the security of your data and operations.

Fire Protection

A fire can cause material losses and affect the continuity of your business. This policy covers damage caused by fire, explosions, and other related events, ensuring the protection of your facilities and assets.

Construction

Every construction project faces unexpected events. With this coverage, your company is protected against accidents, property damage, and unexpected situations that may arise during the construction process, ensuring peace of mind from the first stone to final delivery.

Machinery and equipment

Machinery is at the heart of many operations. This insurance protects your equipment against damage, breakdown, or loss, ensuring the continuity of your production and avoiding costly interruptions.

Civil works completed

Your efforts don't end when a project is delivered. This coverage protects completed buildings against damage or claims, offering long-term security and support.

Mounting

The installation of equipment and structures can involve technical risks. With this policy, your company will be covered against accidents or failures during assembly, ensuring that everything runs smoothly and correctly.

Solar energy

Innovation also requires support. This insurance protects your solar energy systems against damage, accidents, or unforeseen events, ensuring the proper functioning and return on your investment in clean energy.

Automatic transport

Your company's assets are valuable on every journey. This coverage insures your goods while they are in transit, protecting them against accidents, loss, or damage from the point of origin to their final destination.

Compliance

Complying with agreements is essential. This policy ensures that your company has protection against breaches of contracts or obligations, providing confidence to clients and partners in every agreement.

Third-party insurance

An accident can happen at any time. This insurance protects your business against damage to third parties, whether people or property, arising from your daily activities. It includes options such as:

Umbrella: a comprehensive plan that expands coverage and offers greater protection on multiple fronts.
Environmental: specific support against possible environmental impacts.
Construction derivative: protection against claims for damages caused during a construction project.

Directors and administrators

Leaders also need support. This coverage protects executives and directors against lawsuits, management errors, or claims that could affect their personal assets and those of the company.

Infidelity and financial risks

Unexpected financial losses can jeopardize your stability. With this policy, your company will be protected against fraud, embezzlement, or improper handling that could compromise your finances.

Employee fraud

Trust in your team is key, but it's also important to be prepared. This insurance covers risks arising from internal fraud, such as theft, embezzlement, or misappropriation, that could affect your operations.

Suramericana's presence in the region

We have a presence in seven countries in Latin America, where we have our own offices. We've also developed strategic alliances with local insurers in countries where we don't have a presence.

7

SURA countries

8

Countries with strategic alliances

7

International networks

FAQs

Find some answers here quickly and easily.

What is a multinational insurance program?
It is an insurance structure for companies in several countries that combines a master policy with local coverage, ensuring compliance and consistent protection in each market.

Why should a Latin American company consider a multinational program?
Because as it expands, it faces risks and complex regulations. A multinational program centralizes management, offers global visibility, ensures local compliance, optimizes costs, and guarantees claims handling in the country where the event occurs.

What sets SURA apart in this type of solutions?
We are a Latin American company that understands the cultural, regulatory, and operational realities of the region. We design tailored solutions with close support, a strategic vision, and an international network that ensures global coverage. In addition to insurance, we offer a portfolio of services that enhances your business strategy.

What types of insurance can be included in a multinational program? Depending on the company's profile, insurance may include property, liability, cyber, transportation, and financial lines, among others.

How is legal compliance ensured in each country? We work with local insurers and strategic partners in each jurisdiction, allowing us to issue policies that comply with local regulations while maintaining the consistency of our overall program.

What benefits does the client get from centralizing their insurance program? Greater control and visibility over risks, in some cases resulting in cost reductions due to economies of scale. Uniformity in coverage and conditions. Agility in decision-making and claims management.

What types of companies can access these programs? Primarily medium-sized and large companies with operations in more than one country, or with international expansion plans. It is also ideal for business groups with branches or subsidiaries abroad.

How do you start the process of structuring a multinational program? We begin with a risk and needs assessment, followed by the design of an appropriate coverage structure, coordination with local insurers, and the implementation of management and monitoring tools.

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