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Insurance advice and risk management in Panama

Protect what you have built.

More than selling insurance, we advise decisions.

With over 15 years in the Panamanian market, we help people and companies identify their risks, understand their options and make better decisions about what matters most.

See services
  • 15+ years of experience
  • One-to-one advice
  • Service in English and Spanish
Beatriz Almoguea, insurance advisor at BAS Seguros
  • 15+ years in the Panamanian market
  • One-to-one attention
  • Risk analysis
  • Ongoing support

A different kind of advice

First we understand what you need to protect. Then we look for the right cover.

Every person, family and company carries different risks. Our work starts by listening, understanding your situation and helping you decide with more clarity inside the Panamanian insurance market.

A team around a table taking notes during a working session

For companies

Your company does not simply need more insurance. It needs to understand where its risks are.

We analyse your operation, identify vulnerabilities and assess how to better protect your assets, your people and the continuity of your business.

Full Business Risk Analysis
A working meeting in a corporate boardroom

  1. 01

    Understanding the business

    • Operation
    • Assets
    • Facilities
    • People
    • Commercial activity

  2. 02

    Identifying risks

    • Property
    • Operational
    • People
    • Liability
    • Continuity

  3. 03

    Reviewing cover

    • Current policies
    • Possible gaps
    • Overlaps
    • Uncovered needs

  4. 04

    Recommendation

    • Risk prioritisation
    • Recommendations
    • Protection options
    • Insurance where it is genuinely needed

  5. 05

    Ongoing support

    • Periodic review
    • Adjustments
    • Support

Insurance is a tool. Strategy starts by understanding the risk.

Services

Protection for every stage.

We help you choose solutions that fit your situation within the Panamanian market, without complications and with one-to-one advice.

Business risk

We identify vulnerabilities and build a protection strategy for your business.

Life insurance

Protect the stability of those who depend on you.

Health

Options to look after your wellbeing and your family's.

Car

Cover matched to your vehicle, use and needs.

Home

Protection for your home, belongings and assets.

How we work

Clear advice, from start to finish.

  1. 01

    We talk

    We understand your situation, priorities and needs.

  2. 02

    We analyse

    We review the risks and the options available.

  3. 03

    We recommend

    We explain clear options so you can decide with confidence.

  4. 04

    We stay with you

    We remain available after you sign, whenever you need support or changes.

Moving to Panama

Moving to Panama?

Let's start with what you need to cover.

Arriving in a new country means learning a new insurance market: which cover exists, what local insurers require and what actually makes sense for your situation. We guide you through it, in English or Spanish.

Advice available in English and Spanish.

  • Health from day one

    Local and international options, and what each one means once you settle in Panama.

  • Driving and car cover

    What you need to insure a vehicle and drive in the country.

  • Home and contents

    Protection for your house or apartment, rented or owned, and everything inside it.

  • Business or investment

    If you are coming to start or invest in a business, we review the risks of that operation.

Beatriz Almoguea, insurance advisor at BAS Seguros

Meet your advisor

Over 15 years helping people and companies make better decisions.

I am Beatriz Almoguea, an insurance advisor with more than 15 years of experience in the Panamanian market, helping individuals, families and companies protect what they have built.

The way I work starts from something simple: before recommending a policy, I need to understand the person or the business behind it.

That is why my approach combines experience, analysis and close support, to help you understand your risks, weigh up alternatives and decide with greater peace of mind.

“More than selling you a policy, I want to help you make a good decision.”

Beatriz AlmogueaInsurance advisor, BAS Seguros

For you and your family

Protection that adapts to your life.

Life, health, car, home and other solutions can all form part of a personal protection strategy. We help you understand what you need and which options make sense for you.

  • Life
  • Health
  • Car
  • Home
  • Family protection
A father with his two young children in the garden

Frequently asked questions

What people usually ask us.

Is there a cost for the advice?

Depending on the type of need and the scope of the advice, we can explain the corresponding process during the first conversation.

Do you work with both individuals and companies?

Yes. BAS Seguros supports individuals and families as well as companies that need to understand and manage their risks better.

Do you help foreigners moving to Panama?

Yes. We help people arriving in the country understand how the Panamanian insurance market works and which cover makes sense in their situation. Advice is available in English or Spanish.

What is a full business risk analysis?

It is a review aimed at identifying a business's main risks, assessing its exposure and defining recommendations to reduce or transfer them through mechanisms such as insurance where appropriate.

Can you review insurance I already have?

Yes. We can help you review your current cover and talk through possible gaps, needs or adjustments.

How do I start?

Message us on WhatsApp and tell us briefly what you want to protect or what kind of advice you need.

Let's talk about what you need to protect.

A good decision starts by understanding your situation.

Message Beatriz on WhatsApp