Quartz

What Quartz does

Quartz SAS is a French insurance brokerage that operates an AI-powered platform layered with human expert advisory to help small and medium enterprises procure, centralize, and optimize their business insurance portfolios. The company targets French SMEs (TPE/PME) and their leaders, offering coverage across more than fifteen product lines including RC Professionnelle, RCMS (directors' liability), Cyber, multirisque property, fleet, décennale, Homme-Clé, and collective health/provident insurance. The platform is positioned as a digitally-native alternative to traditional brokers, combining a self-serve quote funnel on quartz.eu with dedicated advisor support and a centralized contract management workspace.

The technical stack centers on an in-house AI-powered audit and comparison engine that maps policy guarantees and exclusions, detects duplicate coverage, identifies gaps, and surfaces savings opportunities (claimed up to 30%). Adaptive intelligent forms reduce information collection effort by approximately 90%, and a centralized dashboard supports team-based collaboration, role-based access, document storage, and renewal alerts. Quartz is registered as an insurance intermediary with ORIAS (#18004235), supervised by ACPR, and holds mandatory professional liability and financial guarantee coverage per the French Insurance Code.

Quartz earns revenue exclusively through brokerage commissions paid by insurers; the platform and advisory services are provided at no additional cost to customers. Distribution is direct-to-business via the website quote funnel supplemented by expert-led consultation, with growth supported by an SEO-driven content engine and customer referrals from named accounts including Nalo, Batch, Pennylane, Smile & Pay, Didomi, and Volta. Total disclosed funding to date is approximately $859K from Inovexus across rounds in 2021 and 2022.

Name

Quartz

Legal name

Quartz SAS

Website

https://quartz.eu

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Quartz SAS is a French insurance brokerage that combines an AI-powered platform with human expert advisory to help SMEs procure, centralize, and optimize business insurance across lines including RC Pro, RCMS, Cyber, and collective health coverage.

Ownership category

akta.pro rank

Product category

Business Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)

Keywords

• Business insurance brokerage
• Commercial insurance services
• Insurance comparison platform
• Digital insurance broker
• AI insurance audit

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Quartz acts as an insurance broker (courtier), earning commissions from insurance providers for placing business. As stated in the FAQ: 'Comment Quartz est-il rémunéré en tant que courtier?' — the company is compensated by insurers, not directly by customers. The platform and advisory services are provided without additional cost to the client.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Quartz operates an AI-powered insurance brokerage platform for French small and medium-sized enterprises (SMEs), combining human expert advisory with a digital platform that compares offerings from 50 leading insurers. The company centralizes insurance contract management, automates information collection and AI-assisted audits, and provides dedicated advisors to negotiate coverage and manage renewals across professional liability (RC Pro), executive liability (RCMS), cyber, property, and other commercial insurance lines.

Product overview

Quartz est une alternative au courtage traditionnel combinant l'expertise humaine à une solution propulsée par l'IA. La plateforme se compose du module central de gestion des assurances permettant de centraliser et piloter tous les contrats, complété par des modules de comparaison d'offres, de gestion collaborative, de recueil d'informations, de suivi des renouvellements, et d'audit IA. Le portefeuille d'assurances inclut RC Professionnelle, RCMS (dirigeants), assurance local professionnel/multirisque, cyber-risques, chômage du dirigeant, homme-clé, ainsi que d'autres produits (bris de machines, flotte auto, prévoyance collective, etc.).

Differentiator

Problem solved

Functional benefit

Products and services

• Quartz Platform (Plateforme de gestion des assurances) Centralized digital platform combining AI technology with human expert advisory for managing, comparing, and optimizing business insurance. Provides a unified dashboard to oversee all insurance contracts, track deadlines, access policy documents, and centralize renewals. Used by French SMEs across multiple insurance lines including RC Pro, RCMS, cyber, and property.
• RC Professionnelle (Professional Liability Insurance) Professional liability insurance protecting professionals against the financial consequences of damages caused to third parties in the course of their professional activity. Annual premiums range from approximately €150/year for auto-entrepreneurs to over €50,000/year for regulated professions. Targeted at French businesses across sectors and company sizes.
• RCMS (Responsabilité Civile des Mandataires Sociaux) Executive liability insurance protecting the personal assets of company directors and officers against financial consequences of claims arising from their management decisions. Standard SME pricing ranges from €1,500 to €5,000/year, with higher amounts for listed companies or those with significant international exposure. Targeted at French company founders, CEOs, and directors.
• Assurance Local Professionnel (Commercial Property Insurance) Multi-risk commercial property insurance protecting business premises against material and immaterial risks including fire, water damage, theft, and other property hazards. Targeted at French businesses that own or lease dedicated commercial premises.
• Cyber-risques (Cyber Insurance) Cyber insurance protecting businesses against the financial and operational consequences of cybersecurity incidents and cyberattacks. Pricing is individualized based on the company's cybersecurity maturity. Targeted at French businesses facing cyber exposure.
• Chômage du Dirigeant (Executive Unemployment Insurance) Income protection insurance enabling French company directors — who are not covered by the general unemployment regime — to receive indemnity payments in the event of involuntary job loss. Targeted at founders, CEOs, and presidents of French companies.
• Homme-Clé (Key-Person Insurance) Key-person insurance protecting the company financially against the consequences of death, temporary or permanent disability of a strategically important employee. Targeted at French businesses with concentrated key-person dependency risk.

Quantifiable outcome

• 15% to 50% savings on insurance costs
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Insurers (unnamed)coreOthersQuartz maintains access to the full range of leading French insurance providers, described as 'l'intégralité des assureurs de premier plan.' This breadth enables genuine market comparison and competitive pricing for clients across all coverage lines (RC Pro, RCMS, Cyber, Property, Fleet, etc.). The specific insurer names are not disclosed on the website.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Alan: Alan is a French insurtech offering digital health insurance to individuals and SMEs through a tech-led platform. It is comparable to Quartz as a French insurance technology company combining digital distribution with regulated insurance intermediation, though Alan focuses on health insurance while Quartz concentrates on P&C and professional liability lines.
• Luko: Luko is a French insurtech offering digital home insurance with AI-powered claims and customer experience. It shares Quartz's French market focus and digital-first insurance distribution approach, though Luko concentrates on B2C home insurance while Quartz serves B2B professional lines.
• Wefox: Wefox is a European insurtech broker connecting customers with insurance products through a digital platform supported by human advisors. It is comparable to Quartz as a digital-first insurance intermediary using a hybrid model, though Wefox operates at larger scale across multiple European countries.
• Insureon: Insureon is a US online insurance marketplace for small businesses, comparing quotes from multiple carriers for professional liability, general liability, and other commercial lines. It is highly comparable to Quartz in targeting SMEs with a digital comparison platform across business insurance products.
• Simply Business: Simply Business is a UK-based online insurance broker for small businesses, comparing policies across multiple insurers for professional liability, commercial property, and other SME lines. It is comparable to Quartz's SME-focused digital brokerage model, though operating in the UK market with different regulatory framework.
• CoverWallet: CoverWallet is a US digital insurance platform serving small and mid-sized businesses with comparison, recommendations, and policy management across multiple commercial lines. It is comparable to Quartz in targeting SMEs with an AI-assisted platform for multi-line business insurance.
• Getsafe: Getsafe is a German insurtech offering digital insurance products (home, liability, life, etc.) through a mobile-first platform. It shares Quartz's digital-first European insurance distribution model and hybrid platform approach, though focused on B2C and DACH markets rather than French SMEs.

Broad incumbents

• Lemonade: Lemonade is a publicly-traded US insurtech using AI and behavioral economics to sell insurance directly to consumers and small businesses. It is comparable to Quartz's AI-first distribution approach, though Lemonade operates as a licensed carrier rather than a broker and serves US customers rather than French SMEs.

Others

• Shift Technology: Shift Technology is a French AI software company providing fraud detection and claims automation solutions to insurance carriers globally. It is comparable to Quartz as a French insurance technology company applying AI to insurance workflows, though Shift sells to insurers as a software vendor rather than competing as a broker.
• Zelros: Zelros is a French AI platform providing insurance distribution and recommendation solutions to insurers and brokers. It is comparable to Quartz as a French insurance AI company applying machine learning to insurance distribution, though Zelros operates as a B2B software vendor serving incumbents rather than as a competing broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/QuartzAssurance
• Facebookfacebook.com/quartz.assurance
• LinkedInlinkedin.com/company/quartz-assurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors1 record

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 Quartz