What Coover does

Coover is a Paris-based, 100% online insurance brokerage founded in 2019 that operates exclusively through a proprietary digital platform (app.coover.fr) to compare, distribute, and manage insurance contracts for French professionals and individuals. The company's core offering is a web-based comparison engine that tests thousands of insurance contract combinations across its carrier network to surface competitive pricing, supported by an in-house expert advisory function for complex cases. The product portfolio spans professional lines — Responsabilité Civile Professionnelle, Garantie Décennale, Prévoyance, Mutuelle Santé TNS, Multirisque Professionnelle, and Mutuelle Collective — alongside individual lines including pet, travel, bicycle, death, and damage-ouvrage (dommages-ouvrage) insurance, as well as free SMB tools such as invoice and quote templates.

The business model is commission-based: as an independent broker, Coover earns referral and policy commissions from its insurer partners (Generali, Solly Azar, Axa, MAAF, Hiscox, AIG) for policies sold through its platform. Customers access the service directly via the website with no physical agency, can obtain a quote in approximately three minutes, and complete subscription entirely online. Go-to-market is product-led and direct-to-consumer, driven by SEO-optimized content marketing, organic social presence on LinkedIn, Twitter, and Instagram, and partnerships with adjacent platforms such as LegalNest for profession-specific traffic.

The company is privately held with no disclosed institutional funding or parent organization, operates with 11-50 employees, and reports 20,000 cumulative clients served and a 4.7/5 Google rating across 487 reviews. Coover is led by co-founders Pierre Fruchard and Romain Banchetti and is headquartered at 7 place de l'Hôtel de Ville, 93600 Aulnay-sous-Bois, France, serving customers exclusively in the French market.

Name

Coover

Legal name

Coover

Website

https://coover.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Coover is a 100% online French insurance broker offering a digital comparison platform that lets professionals and individuals quote, compare, and purchase insurance from multiple carriers entirely online, serving 20,000+ clients across France.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Online insurance broker
• Professional liability insurance
• Insurance comparison platform
• Business insurance
• Digital insurance brokerage

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, Marketing or Sales, Operations

Revenue model

1. Insurance Brokerage Commissions: Coover earns commissions from insurance providers for policies sold through their platform. As an independent broker, they compare and recommend insurance products from multiple insurers, earning referral fees and commissions on successful policy subscriptions.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Coover is a 100% online French insurance broker that operates a digital platform for comparing and subscribing to professional and personal insurance products from multiple insurers. It uses proprietary comparison algorithms to match self-employed workers, small businesses, and individuals to suitable coverage such as professional liability, decennial warranty, health, and personal insurance.

Product overview

Coover is a 100% online professional insurance broker offering a digital comparison platform and web application for purchasing and managing insurance contracts. The core offering consists of the online comparator (app.coover.fr) that uses algorithms to compare thousands of insurance combinations, supported by professional insurance products including RC Pro, Garantie décennale, Prévoyance, Mutuelle santé TNS, and Multirisque professionnelle. The platform also extends to individual insurance products including pet health insurance (Assurance animaux), travel insurance (Assurance voyage), bicycle insurance (Assurance vélo), and death insurance (Assurance décès). Additional tools include online invoice and quote templates. The company partners with major insurers including Generali, Solly Azar, Axa, MMA, Hiscox, and AIG to offer competitive pricing through their digital platform.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Pro (Professional Liability Insurance) Professional civil liability insurance covering damages caused to third parties in the course of a professional activity. Aimed at self-employed workers, freelancers, and small businesses.
• Garantie decennale (Ten-year warranty insurance) Mandatory decennial warranty insurance for construction professionals in France, covering structural defects for ten years after works are completed. Aimed at builders, artisans, and construction trades.
• Multirisque professionnelle (Multi-risk professional insurance) Bundled professional insurance covering business premises, equipment, and liability risks for businesses and self-employed professionals.
• Prevoyance (Provident insurance) Provident insurance providing income protection and coverage against work stoppage, disability, and death for self-employed professionals.
• Mutuelle sante TNS / independant (Health mutual for self-employed) Supplementary health insurance tailored to self-employed workers and independent professionals in France.
• Mutuelle collective (Collective health mutual) Group supplementary health insurance for companies to cover their employees.
• Assurance dommages-ouvrage (Property damage insurance) Construction damage insurance that pre-finances the repair of building defects covered under the decennial warranty, for project owners and developers.
• Assurance animaux (Pet insurance) Pet health insurance covering veterinary care costs for individuals with dogs and cats.
• Assurance voyage (Travel insurance) Travel insurance covering medical costs, cancellation, and assistance for individual travelers.
• Assurance velo (Bike insurance) Bicycle insurance covering theft and damage for individual cyclists.
• Assurance deces (Death insurance) Death benefit insurance providing a lump sum or protection to beneficiaries for individuals.
• Comparateur en ligne (Online insurance comparator) A 100% online comparison tool that lets users compare insurance offers from multiple insurers and subscribe directly through the platform.

Quantifiable outcome

• Customer cost reduction of 30% on insurance contracts using Coover comparison tools

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Partnerships

Six partnerships are on record, tiered core.

• GeneralicoreOthersMajor French insurance company partner featured in Coover's insurer network, providing professional and individual insurance products through the Coover comparison platform.
• Solly AzarcoreOthersFrench insurance company partner included in Coover's network of insurance providers, offering coverage options across multiple insurance categories.
• AxacoreOthersGlobal insurance leader partner in Coover's insurer network, providing professional liability, decennial, and individual insurance products.
• MAAFcoreOthersFrench mutual insurance company partner offering damage insurance (DO), professional coverage, and individual insurance through Coover's platform.
• HiscoxcoreOthersSpecialty insurance provider partner offering professional liability and business insurance products through Coover's comparison service.
• AIGcoreOthersGlobal insurance corporation partner providing professional and commercial insurance solutions via Coover's online platform.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• LeLynx: LeLynx is one of the leading French online insurance comparison platforms, allowing consumers to compare auto, home, and health insurance quotes from multiple carriers. It is directly comparable to Coover as both operate digital insurance brokerage in France serving individuals and professionals through a comparison-first model.
• LesFurets: LesFurets is a major French insurance comparison website (owned by Marlin Equity Partners) that aggregates quotes from dozens of insurers across auto, home, health, and life lines. It competes head-to-head with Coover in the French online comparison segment, particularly for individual consumers.
• Assurland: Assurland is a French insurance comparator that helps consumers compare auto, home, health, and life insurance products from a wide panel of insurers. It is a direct competitor to Coover in the French digital insurance brokerage market with a similar comparison-led customer journey.
• Hyperassur: Hyperassur is a French online insurance comparison platform offering quotes across auto, motorcycle, home, and health insurance. It directly competes with Coover in the French digital insurance intermediary space, particularly for individual consumer lines.
• Acheel: Acheel is a French digital insurance broker that allows customers to build custom home, auto, and health insurance contracts online with a few clicks. It is closely comparable to Coover as a 100% online, product-led insurance broker serving French consumers with a streamlined digital experience.
• Orus: Orus is a French digital insurance platform specialized in commercial insurance for SMBs and self-employed professionals. It directly overlaps with Coover's professional insurance offering (RC Pro, multirisque, décennale) for the same self-employed and small business customer segment.

Emerging players

• Alan: Alan is a French tech-enabled health insurance company providing mutuelle santé to individuals and employees through its own proprietary platform. While Alan focuses on health insurance with its own underwriting, it competes with Coover in the French digital health insurance distribution space and represents the vertically-integrated alternative to brokerage models.

Broad incumbents

• Luko: Luko (now part of Crédit Agricole Assurances) is a French digital home insurance provider offering direct-to-consumer coverage with a modern app-based experience. It is comparable to Coover as a digital-first French insurance player but operates as a direct insurer rather than a broker, illustrating the disintermediation risk Coover faces.
• Maif: Maif is a major French mutual insurance company offering a wide range of personal and professional insurance products with growing digital channels. It is comparable to Coover as a provider of professional and individual insurance to French customers and represents the incumbent mutual alternative to digital brokers.

Regional players

• Selectra: Selectra is a French price comparison and advisory platform for energy, telecom, banking, and insurance products, with operations across multiple European countries. It overlaps with Coover in the French insurance comparison category while having a broader cross-product and cross-country footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/_coover_
• LinkedInlinkedin.com/company/coover
• Instagraminstagram.com/coover.assurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Coover