AGEO Assurances

What AGEO Assurances does

AGEO Assurances, now operating as Howden France, is a Paris-based insurance brokerage and risk advisory firm that places and manages commercial, specialty, and employee-benefits coverage for French SMEs, mid-sized enterprises (ETIs), and multinational clients across multiple sectors. The French entity operates as a subsidiary of the London-headquartered Howden Group Holdings — the largest independent insurance broker based outside the United States — and is connected into a 121-country, 23,000-employee global network, with Howden France itself managing approximately €360 million in premiums through 15 regional offices and around 650 in-country staff.

The product portfolio is unusually broad for a French mid-market broker and is organized across four layers: (1) commercial P&C and financial lines including property and business interruption, construction, cyber, fleet automobile, liability, terrorism and political violence, credit and suretyship, M&A warranty and indemnity, and reinsurance via Howden Re; (2) employee benefits / Protection Sociale covering complémentaire santé, prévoyance collective, key-person, executive unemployment, end-of-career indemnities, retirement and employee savings schemes, and international mobility coverage; (3) sector-specialized practices in energy and natural resources (including geothermal, hydrogen, and methanization), cold chain and refrigeration, outdoor hospitality, healthcare and life sciences, maritime and transport, technology, and financial institutions; and (4) advisory and management services such as M&A insurance due diligence, claims management for fleet accounts, road-risk prevention, and Kryotec Prévention cold-chain training.

Revenue is generated through brokerage commissions on premiums placed with carriers, advisory fees (notably for M&A due diligence), and ancillary services such as training and claims management. Pricing is not publicly disclosed and is negotiated per engagement. Distribution is direct-sales-led, executed through sector-specialized teams in 15 French cities serving clients across SME, ETI, and multinational tiers, with international coordination handled through the Howden One Network partner-broker channel and reinsurance flow via Howden Re.

Name

AGEO Assurances

Legal name

Howden France

Website

https://ageo.fr

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

251–500 employees

Short description

AGEO Assurances, operating as Howden France, is a Paris-based insurance broker and risk advisor placing commercial, specialty, and employee-benefits coverage for French SMEs, mid-sized enterprises, and multinational clients across multiple sector practices.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Commercial insurance brokerage
• Risk management advisory
• Social protection services
• Specialty insurance underwriting
• International insurance programs

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage and advisory commissions: Howden generates revenue through insurance brokerage services, earning commissions from insurance carriers for placing and managing client coverage. The firm manages €360 million in premiums in France alone.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

AGEO Assurances (operating as Howden France) is a France-based insurance brokerage and risk advisory firm that places coverage on behalf of corporate clients with multiple insurance carriers, earning brokerage commissions. It offers commercial insurance products (credit insurance, surety bonds, property & casualty, cyber, fleet, financial lines, M&A, terrorism, maritime/transport), social protection and employee benefits (health/mutuelle, death & disability, key person, retirement, international mobility), and sector-specialized programs for energy, tech, financial institutions, healthcare/life sciences, maritime, cold chain, and outdoor hospitality, alongside advisory services including M&A due diligence, claims management, and risk prevention training.

Product overview

Howden France operates as a global insurance broker and risk advisory firm, offering a comprehensive portfolio of insurance products and services organized across multiple categories: (1) Commercial insurance products including credit & suretyship (Affacturage, Assurance-Crédit, Caution, Single Risk), property & casualty (Construction, Dommage aux biens, Cyber, Flotte Automobile, Risques Spéciaux), financial lines (Lignes Financières, Fusion-Acquisition, Responsabilité Civile, Terrorisme), and marine/transport coverage; (2) Employee benefits & social protection (Protection Sociale) including health insurance (Frais de santé), death/disability (Prévoyance, Assurance Homme-Clé), retirement & savings (Retraite & Épargne salariale), and international mobility coverage; (3) Specialized sector practices for Energy & Natural Resources, Tech & Digital, Financial Institutions, Healthcare & Life Sciences, Outdoor Hospitality, and Cold Chain/Refrigeration; (4) Advisory and management services including Due Diligence, training (Formations, Kryotec Prévention), fleet claims management, and road risk prevention. The firm also provides reinsurance solutions through Howden Re and maintains a global network spanning 121 countries with over 23,000 employees worldwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Affacturage (Factoring) Factoring insurance product allowing businesses to manage their receivables and improve cash flow by transferring credit risk to the insurer.
• Assurance Paramétrique (Parametric Insurance) Parametric insurance product that pays out based on predefined triggering events (such as natural disasters or weather phenomena) rather than actual losses.
• Construction Insurance Construction insurance covering property damage, contractor works, and professional liability for construction project stakeholders including maîtres d'œuvre (project managers).
• Assurance-Crédit (Credit Insurance) Credit insurance that protects businesses against the risk of non-payment by their clients (buyer defaults, bankruptcy).
• Caution (Surety Bonds) Surety bond products providing financial guarantees for contractual obligations, including bid bonds, performance bonds, and payment bonds.
• Cyber Insurance Cyber insurance product covering digital risks including data breaches, cyberattacks, business interruption from cyber incidents, and related liability.
• Dommage aux biens et perte d'exploitation (Property Damage & Business Interruption) Property damage and business interruption insurance covering physical assets and loss of income following covered events.
• Flotte Automobile (Fleet Auto) Fleet automobile insurance for businesses with multiple vehicles, including auto schools and training centers coverage.
• Fusion-Acquisition (M&A Insurance) Merger and acquisition insurance products including warranty and indemnity (W&I) insurance, representations and warranties coverage, and tax liability protection for deal transactions.
• Lignes Financières (Financial Lines) Financial lines insurance including IPO insurance, fraud insurance for financial institutions and commercial companies, kidnapping and ransom coverage, and directors & officers (D&O) liability.
• Assurance Responsabilité Civile (Liability Insurance) General and professional liability insurance covering legal liability for bodily injury, property damage, and financial losses caused to third parties.
• Maritime et Transport Insurance Maritime and transport insurance covering vessels, cargo, marine liability, and various transport-related risks including aquaculture, charter cancellation, passenger boats, and freight.
• Réassurance (Reinsurance via Howden Re) Reinsurance services and products offered through Howden Re, providing risk transfer solutions for insurance companies.
• Assurance Homme-Clé (Key Person Insurance) Key person insurance protecting businesses against financial losses from death or incapacity of critical employees or executives.
• Accidents du Travail et Maladies Professionnelles (Workers' Compensation) Workers' compensation and occupational disease insurance covering work-related injuries and illnesses.
• Chômage du dirigeant (Executive Unemployment Insurance) Executive unemployment insurance providing income protection for business leaders if they lose their position.
• Frais de santé (Health Insurance / Mutuelle) Health insurance supplementary coverage (mutuelle) filling gaps in the French social security system for employee healthcare costs.
• Prévoyance collective (Collective Death & Disability) Collective death and disability insurance providing financial protection for employees and their families.
• Retraite & Épargne salariale (Retirement & Employee Savings) Employee savings and retirement planning solutions including company savings plans (PEE), retirement savings accounts (PERCO/PER), and profit-sharing schemes.
• Protection Sociale à l'international (International Mobility Benefits) International employee benefits management including international mobility insurance, expatriate health coverage, and global benefits administration.
• Due Diligence (Insurance M&A Advisory) Insurance due diligence services assessing and quantifying insurance risks during M&A transactions and business evaluations.
• Gestion des sinistres Flottes Automobiles (Fleet Claims Management) Fleet automobile claims management services handling the insurance claim process for business vehicle fleets.
• Énergie et Ressources Naturelles (Energy & Natural Resources Sector Program) Insurance solutions for the energy and natural resources sector including geothermal, hydrogen, and methanization (biogas production) coverage.
• Tech et Numérique (Tech & Digital Sector Program) Technology and digital sector insurance including cyber liability, professional liability for tech companies, and digital transformation risks.
• Institutions Financières (Financial Institutions Sector Program) Insurance solutions for financial institutions covering fraud, professional liability, directors & officers liability, and financial lines.
• Médical et sciences de la vie (Healthcare & Life Sciences Sector Program) Healthcare and life sciences sector insurance covering clinical trials, healthcare professionals liability, and biotech/pharma risks.
• Hôtellerie de Plein Air (Outdoor Hospitality Sector Program) Specialized insurance for outdoor hospitality sector including campsites, holiday parks, and outdoor accommodation providers.
• Froid et Réfrigération (Cold Chain Sector Program) Cold chain and refrigeration industry insurance covering equipment breakdown, business interruption, and specialized risks for temperature-controlled facilities.

Quantifiable outcome

• Managing €360 million in premiums in France with 650 employees

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Global network of partner brokers (Howden One Network)coreChannel Partner/ Reseller/ DistributorHowden operates through a global network of partner brokers, enabling multinational clients to access coverage in markets where they don't have direct presence. This network supports both multinational clients seeking global coverage and smaller businesses needing local insurance solutions.
• Insurance carriers and underwriterscoreChannel Partner/ Reseller/ DistributorHowden places client coverage with multiple insurance carriers and underwriting partners across various specialty lines including maritime, construction, cyber, healthcare, and financial lines insurance.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Marsh: World's largest insurance broker and a direct multi-line competitor to AGEO/Howden France, offering commercial P&C, specialty, credit, and risk advisory to French SMEs, mid-market, and multinational clients with similar sector expertise.
• Aon: Global insurance and reinsurance brokerage with established French operations; directly competes with AGEO across commercial insurance placement, risk management, and employee benefits for mid-sized and large enterprises.
• Willis Towers Watson (WTW): Global insurance broker and advisory firm with a French footprint, competing head-to-head with AGEO on commercial insurance, financial lines, and retirement/employee benefits advisory for mid-market and multinational clients.
• Arthur J. Gallagher: US-originated global insurance broker expanding in Europe with a similar multi-sector specialty model; targets the same SME and mid-market segments as AGEO/Howden France with comparable brokerage and risk advisory services.
• Lockton: World's largest independent insurance brokerage (similar positioning to Howden globally) and a direct competitor in France and across Europe for specialty commercial insurance and large-account risk advisory.
• Verlingue (formerly Diot-Siaci): Leading French insurance broker formed by the merger of Verlingue and Diot-Siaci; most direct French-headquartered competitor to AGEO, covering commercial P&C, employee benefits, and specialty lines for SMEs, ETIs, and large accounts.
• Verspieren: Independent French insurance broker with a comparable SME and mid-market specialty, offering commercial insurance, credit, surety, and risk prevention services across France.
• Bessé: French insurance and reinsurance broker focused on medium and large French enterprises with sector specializations similar to AGEO, including industrial and commercial risk advisory.
• Filhet-Allard: French insurance and reinsurance broker established over a century ago, serving large and mid-market French corporates with similar multi-line brokerage and advisory services.

Broad incumbents

• Brown & Brown: US-listed insurance distribution and risk management group with European operations; a broader incumbent with overlapping brokerage capabilities, though primarily US-centric and not focused on the French market specifically.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/howden-insurance
• Instagraminstagram.com/howdeninsurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 AGEO Assurances