What Orus does

Orus is a Paris-based digital insurance broker (courtier d'assurances) operating under ORIAS registration and ACPR supervision, founded in 2021 and commercially launched in 2022. The company distributes professional and SMB insurance products to French independents, freelancers, artisans, and micro-businesses through a fully digital, self-serve platform that enables quote-to-bind in under three minutes. Core products include Responsabilité Civile Professionnelle (RC Pro) starting at €13/month, Assurance Multirisque Professionnelle from €25/month, Assurance Décennale from €69/month, Assurance Bureaux from €25/month, and complementary Mutuelle Santé TNS and Prévoyance TNS products. The product portfolio is extended with vertical-specific sub-products targeting restaurants, primeurs, DPO/GDPR consultants, home aides, childminders, and private chefs.

The technology stack is built on TypeScript and Node.js with a 100% event-sourced architecture on MongoDB, where the audit log functions as the system of record and policy state is derived through reducers. The company has deployed an AI-assisted document generation pipeline using Anthropic's Claude Code that renders 60 customer-facing document templates via 218 React components, allowing new vertical templates to be added in hours rather than days. Underwriting capacity is sourced through carrier partnerships with Wakam, Hiscox, AIG, Axeria, and Acheel, with Munich Re providing reinsurance.

The business model is commission-based brokerage: Orus earns carrier commissions on subscription premiums placed through its platform, with no administrative or management fees charged to customers. Distribution is direct-to-consumer via orus.eu and a mobile app, with a broker partner (courtier) network launching in 2025 and a planned expansion into Spain beginning in 2025-2026. As of late 2025, Orus serves 60,000+ policyholders with a team of 70 employees (planned to double by 2026), has raised €41M cumulatively across seed, Series A, and Series B rounds, and holds a 4.9/5 Trustpilot rating.

Name

Orus

Legal name

Orus France SASU

Website

https://orus.eu

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

101–250 employees

Short description

Orus is a Paris-based digital insurance broker distributing professional liability, multi-risk, décennale, and health insurance to French independents and SMBs through a self-serve platform, with carrier capacity from Wakam, Hiscox, and Munich Re.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Professional Liability (E&O) (FSAJAGAC), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Professional liability insurance
• Small business insurance
• Digital insurance brokerage
• Commercial insurance platform
• Construction warranty insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance Premium Revenue: Orus acts as an insurance broker (courtier), earning commissions from insurance carriers on premiums paid by policyholders. Subscription-based recurring premiums with monthly or annual billing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Orus operates as a digital insurance broker (courtier) selling professional liability (RC Pro), multi-risk business insurance, mandatory decennial construction insurance, office insurance, health insurance, and income protection for French independents, freelancers, and small businesses. Policies from carriers such as Wakam, Hiscox, Axeria, Acheel, and AIG are distributed through a fully digital subscription flow that delivers a coverage certificate in under three minutes. The company also runs a 100% event-sourced proprietary platform and uses AI-assisted document generation to render policy documents at scale.

Product overview

Orus is a Paris-based digital insurance broker offering professional liability and multi-risk insurance products for French freelancers, self-employed professionals, and small businesses. The core product portfolio consists of RC Pro (Responsabilité Civile Professionnelle), Assurance Multirisque Professionnelle, Assurance Décennale, Assurance Bureaux, Mutuelle Santé, and Prévoyance. These products are offered both as standalone offerings and as sector-specific variants tailored for restaurants, personal services, childcare, home care, market vendors, and GDPR consultants. The company operates on a direct-to-consumer digital model with broker partnership distribution, providing coverage for over 60,000 policyholders with rapid digital subscription and claims processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Responsabilité Civile Professionnelle (RC Pro) Professional liability insurance covering damages (bodily, material, intangible) caused to third parties — clients, partners, suppliers — in the course of professional activity. Sold to French freelancers, consultants, and small businesses; starts at €13/month and includes legal protection at no additional cost.
• Assurance Multirisque Professionnelle Comprehensive business insurance covering premises, equipment, and operations against fire, water damage, theft, and business interruption. For French shop owners, retailers, and small businesses with physical locations; starts at €25/month.
• Assurance Décennale Mandatory ten-year liability insurance for French construction and building trades (BTP), covering structural defects and workmanship failures for 10 years after project completion. Starts at €69/month; required by law for building professionals.
• Assurance Bureaux Insurance for professional offices and business equipment, protecting workspaces against damage, theft, and operational risks. For French professionals and small businesses with office premises; starts at €25/month.
• Mutuelle Santé TNS / Indépendant Supplementary health insurance (mutuelle) for self-employed professionals and small business owners, replacing employer-provided health plans. Starts at €30/month and covers the policyholder and family.
• Prévoyance TNS / Indépendant

Quantifiable outcome

• 60,000+ policyholders served
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Wakam (ex-La Parisienne Assurances)coreOthersPrimary insurance carrier partner founded in 1829. One of France's oldest insurers providing the underlying coverage for Orus policies.
• HiscoxcoreOthersInsurance carrier founded in 1901, insuring nearly 100,000 professionals in France. Provides specialized professional liability coverage.
• Munich ReminorOthersGlobal reinsurer founded in 1880 with over €300 billion in assets. Provides reinsurance capacity for Orus insurance products.
• AxeriaminorOthersLyon-based insurance company providing additional coverage capacity for Orus policyholders.
• AcheelminorOthersParis-based insurance company providing additional coverage options for Orus customers.
• AIGminorOthersInternational insurer providing coverage for Orus customers, particularly for international exposure (US/Canada option).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• +Simple: +Simple is a French digital insurance broker focused on professional liability and multi-risk coverage for independents, freelancers, and SMBs. Highly comparable to Orus in target customer, product set (RC Pro, multirisque), and digital distribution model.
• Acheel: Acheel is a Paris-based insurance broker offering 100% online professional and personal insurance products. It is both a distribution partner of Orus and a direct competitor in the same French SMB insurance segment with similar digital subscription flow.
• Luko (now Luko by Allianz): Luko was a French digital-native insurer offering home and small-business insurance through a frictionless digital experience; acquired by Allianz Partners in 2024. Closely comparable in digital-first distribution and target audience of independents, now operates under Allianz with similar positioning.
• Alan: Alan is a French health insurtech providing digital-first health insurance and prévoyance to independents, freelancers, and SMBs. Directly comparable to Orus's Mutuelle TNS and Prévoyance TNS products in the same French self-employed segment.
• Leocare: Leocare is a French multi-line digital insurer offering home, auto, and small-business insurance via a mobile app. Comparable in digital subscription UX and French SMB/independent target market, though broader in product scope.

Broad incumbents

• Hiscox France: Hiscox is a specialty insurer insuring nearly 100,000 professionals in France with deep expertise in professional liability and cyber. Both a carrier partner of Orus and a broader-incumbent competitor with overlapping target customers and product lines (RC Pro, Cyber, Multirisque).
• Wefox: Wefox is a Berlin-based insurtech operating a digital insurance distribution platform across Europe with billions in premiums. Comparable in insurtech platform ambition and SMB/consumer focus, though operating at meaningfully larger scale.

Emerging players

• Getsafe (now Getsurence): Getsafe was a German digital insurance broker for individuals and SMBs operating across Europe; rebranded and pivoted into embedded insurance infrastructure. Comparable as a European SMB-focused digital broker with similar early-stage profile to Orus.
• Zego: Zego is a UK-based insurtech offering flexible, usage-based insurance to professionals and gig workers (drivers, couriers, landlords). Comparable in serving self-employed professionals with digital-first policies, though focused on mobility/livelihood niches rather than broad SMB coverage.

Others

• Wakam: Wakam is a 195-year-old French insurer specializing in bespoke and embedded insurance products, and is Orus's primary carrier partner providing underlying coverage. Comparable as a key supply-side partner whose commercial decisions materially shape Orus's product offering and pricing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/orus-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Orus