\n
\nLa historia de los seguros se remonta a Babilonia, donde el c\u00f3digo Hammurabi ya preve\u00eda indemnizar a esposas y descendientes en caso de la muerte del esposo. Seg\u00fan las investigaciones sobre los inicios del aseguramiento en las culturas milenarias, los griegos garantizaban tambi\u00e9n un ritual religioso para sus integrantes.<\/p>\n
\nA\u00f1os m\u00e1s tarde, el Imperio romano estableci\u00f3 las primeras contribuciones definidas para ofrecer opciones de aseguramiento, figura jur\u00eddica que tambi\u00e9n apareci\u00f3 en Inglaterra para los guilds, asociaciones de comerciantes que contaban con un modelo de seguro que daba apoyo en caso de muerte, enfermedad, captura por piratas, entre otras situaciones.<\/p>\n
\nSeg\u00fan el texto Cr\u00f3nica de dos siglos del seguro en M\u00e9xico, de Antonio Minzoni, en 1789 se constituy\u00f3 la primera compa\u00f1\u00eda de seguros en Veracruz, denominada Compa\u00f1\u00eda de Seguros Mar\u00edtimos de Nueva Espa\u00f1a, cuyo objetivo era cubrir los riesgos de lo que se defin\u00eda como La Carrera de Las Indias en el traslado de mercanc\u00edas.<\/p>\n
\nDurante la Colonia hab\u00eda compa\u00f1\u00edas de seguros relacionadas tambi\u00e9n con la actividad comercial, y es hasta 1892, en el Porfiriato, cuando se tuvo la primera Ley del Seguro en M\u00e9xico.<\/p>\n
\nEn 1897, representantes de diecisiete compa\u00f1\u00edas extranjeras de seguros contra incendio que operaban en el pa\u00eds fundaron la Asociaci\u00f3n Mexicana de Agentes de Seguros contra Incendio.<\/p>\n
\nEn el siglo XX, el sector asegurador comenz\u00f3 a consolidarse en el pa\u00eds con la llegada de m\u00e1s compa\u00f1\u00edas y la creaci\u00f3n de firmas nacionales, as\u00ed como marcos legales para su regulaci\u00f3n.<\/p>\n
\nEntre las marcas que aparecieron resaltan nombres como la Nacional en 1910, la Latinoamericana en 1906 o la Veracruzana en 1908.<\/p>\n
\nAdem\u00e1s, en 1964 aparece la Asociaci\u00f3n Mexicana de Instituciones Seguros (AMIS), vigente como organismo de representaci\u00f3n del sector.<\/p>\n
\nEl proceso econ\u00f3mico que vivi\u00f3 M\u00e9xico a partir de esos a\u00f1os, con el Tratado de Libre Comercio de Am\u00e9rica del Norte (TLCAN) como acontecimiento clave, ha modernizado al sector, el cual hoy enfrenta una de sus principales transformaciones con la llegada de las insurtech, firmas tecnol\u00f3gicas que ofrecen productos m\u00e1s enfocados a las necesidades del usuario y que en muchos casos no necesitan de un agente de seguros en el proceso de venta.<\/p>\n<\/div>\n
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