Etik Assurance
ETIK Assurance is a French ACPR-regulated insurance broker founded in 2009, distributing construction and professional insurance (décennale, RC Pro, dommages-ouvrage) through 15+ carrier partners to SMB artisans, intellectual building professionals, and developers across France.
- Company typePrivate
- Founded2009
- HeadquartersDardilly, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Etik Assurance does
ETIK Assurance is a French insurance brokerage (SAS, ORIAS 10 053 523) founded in 2009 in Dardilly, near Lyon, and supervised by the ACPR. The firm operates as a multi-carrier courtier specializing in construction and professional insurance, distributing through a panel of 15+ insurance partners including AXA, Allianz, Zurich, and Generali. Its core product lines center on mandatory décennale and RC Pro coverage for artisans and intellectual building professions (architectes, maîtres d'œuvre, économistes, dessinateurs-projeteurs), dommages-ouvrage for property owners and developers, and RC Pro for real estate promoters and auto professionals. The flagship offering is MAITRISE BTP, a combined RC Pro + décennale contract co-developed with Zurich Assurance for intellectual building professions, marketed alongside add-on modules including automobile, fleet, multi-risk building, legal protection, and personal lines (santé, prévoyance).
The operating model combines an entirely digital subscription flow (e-signature, online payment, certificate issuance within 24 hours) with a high-touch human advisory layer: each client is assigned a dedicated expert and a specialized souscripteur manually analyzes the activity before binding, with the brand explicitly positioning "humans, not algorithms" as a differentiator. Distribution is hybrid: direct via the ETIK web platform and a Lyon-based phone sales team (04 72 17 82 82), and indirect via an ecosystem of BTP professional partners (FNAIM, Architectes et Particuliers with 180+ architects, Architéa, SYNAMOME, Cluster Eco-Bâtiment, BTP Consultants, BTP study offices, and trade federations) that refer clients. Customer segments are dominated by SMB construction professionals and particuliers, with enterprise-grade accounts limited to property developers (promoteurs, marchands de biens, lotisseurs).
The firm is privately held, bootstrapped (share capital €18,750), with no external funding, no subsidiaries, and no M&A activity disclosed. Leadership comprises President Nicolas Gimel and Directeur Général Thierry Gauvin. The firm holds no patents and operates under standard French regulatory frameworks (ORIAS, ACPR, GDPR). Headcount stands at 80 collaborateurs as of the most recent data point.
Etik Assurance firmographics
Firmographics- Name
- Etik Assurance
- Legal name
- ETIK Assurance
- Website
- https://etik-assurance.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ETIK Assurance is a French ACPR-regulated insurance broker founded in 2009, distributing construction and professional insurance (décennale, RC Pro, dommages-ouvrage) through 15+ carrier partners to SMB artisans, intellectual building professionals, and developers across France.
- Ownership category
- akta.pro rank
Etik Assurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industry
- Professional Liability (Errors & Omissions) (FSAJADAB)
Keywords
Where Etik Assurance is headquartered
LocationHeadquarters
- HQ city
- Dardilly
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Etik Assurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commissions de courtage: ETIK Assurance agit en tant que courtier d'assurance et perçoit des commissions des compagnies d'assurance partenaires pour les contrats souscrits par l'intermédiaire de ses services. Le modèle repose sur la mise en relation entre clients (particuliers et professionnels) et assureurs, avec rémunération par commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Assurance construction personnalisée |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Etik Assurance product offering
Product offeringCore offering
French insurance broker (courtier en assurance) specializing in construction and professional insurance. The company intermediates decennial warranty (décennale), professional liability (RC Pro), dommages-ouvrage, and related coverage for artisans, intellectual building professionals, real estate promoters, automotive professionals, and individuals. It places business with 15+ partner insurers including AXA, Allianz, Zurich, and Generali, offering coverage across 40+ professional activities.
Product overview
Etik Assurance is an insurance broker offering a comprehensive portfolio of insurance products through a network of 15+ partner insurers (including AXA, Allianz, Zurich, Generali). The core offering centers on construction insurance (dommages-ouvrage, décennale artisan, décennale professionnel intellectuel, RC pro promoters), professional insurance (auto professionals, RC professionnelle), and personal insurance (santé, prévoyance). The flagship innovative product is MAITRISE BTP, developed with Zurich Assurance, which uniquely combines RC Pro and ten-year warranty into a single contract for intellectual building professionals. Additional offerings include add-on insurance products such as automobile, fleet, home, multi-risk building, legal protection, and more. All services are accessible through online quote requests, electronic signature, and online payment with certificate delivery within 24 hours.
Differentiator
Problem solved
Functional benefit
Brands
- MAITRISE BTP: A comprehensive insurance product developed with Zurich Assurance combining RC Pro (professional liability) and decennial guarantee for intellectual building professions.
Products and services
- MAITRISE BTP
- Assurance dommages-ouvrage
- Assurance décennale artisan
- Assurance décennale professionnel intellectuel du bâtiment
- Assurance RC Pro promoteur
- Assurance professionnels de l'auto
- Assurance responsabilité civile professionnelle
- Assurance santé
- Assurance prévoyance
Quantifiable outcome
- 4.7/5 note Trustpilot avec plus de 2 000 avis clients
- +3 more outcomes
Companies that use Etik Assurance
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
Etik Assurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Etik Assurance partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- AXAcoreCompagnie d'assurance partenaire parmi le réseau de plus de 15 assureurs avec lesquels ETIK Assurance travaille pour proposer des solutions d'assurance construction et professionnelle.
- AllianzcoreCompagnie d'assurance partenaire parmi le réseau de plus de 15 assureurs avec lesquels ETIK Assurance travaille pour proposer des solutions d'assurance construction et professionnelle.
- Zurich AssurancecorePartenaire stratégique pour le développement de produits innovants comme MAITRISE BTP, contrat unique combinant RC Pro et garantie décennale pour les professions intellectuelles du bâtiment. Zurich est reconnu pour sa connaissance des métiers du bâtiment.
- GeneralicoreCompagnie d'assurance partenaire parmi le réseau de plus de 15 assureurs avec lesquels ETIK Assurance travaille pour proposer des solutions d'assurance construction et professionnelle.
- 123 StructureminorBureau d'études structure spécialisé dans les maisons individuelles, de la construction à la rénovation. Partenariat commercial pour l'orientation des clients vers ETIK Assurance.
- Architectes et ParticulierscoreCollectif rassemblant plus de 180 architectes spécialisés dans l'habitat des particuliers. Partenariat stratégique pour la recommandation de solutions d'assurance construction.
- AlloMarcelminorRéseau national d'artisans proposant des services sur-mesure pour particuliers et professionnels. Partenariat commercial pour l'orientation vers ETIK Assurance.
- ArchitéacorePremier réseau national de contractants généraux spécialisés en rénovation, agencement et extension. Partenariat commercial pour recommandation d'assurance.
- BTP ConsultantsminorBureau de Contrôle Technique, Coordination SPS et Diagnostics Immobiliers présent à l'échelle nationale depuis plus de 25 ans. Partenariat pour orientation clients.
- CarbaominorRéseau professionnel de clubs d'affaires et de recommandations par le bouche à oreille. Partenariat commercial pour recommandation vers ETIK Assurance.
- Cluster Eco-BâtimentminorRéseau des professionnels de l'Eco-Bâtiment rassemblant plus de 240 spécialistes de la performance énergétique et environnementale des bâtiments.
- FNAIMcore1er Syndicat des Professionnels de l'Immobilier. Partenariat stratégique pour la recommandation de solutions d'assurance construction.
- mon bureau d'étudesminorPremier bureau d'études structure digitalisé à destination des particuliers et professionnels. Partenariat commercial pour orientation clients.
- Mon Concept HabitationminorCourtier en travaux qui s'occupe de la conception à la réalisation de tous types de projets de rénovation. Partenariat commercial.
- QUARCOminorCollectif d'ingénierie du bâtiment offrant des solutions sur-mesure pour la conception et la réhabilitation de projets.
- SYNAMOMEcoreRegroupement de professionnels de la maîtrise d'œuvre de conception et de réalisation de l'acte de bâtir. Partenariat stratégique pour orientation vers ETIK Assurance.
Scale indicators4 records
Recent moves5 records
Expansion highlights6 records
Etik Assurance competitors and assessment
Company assessmentDirect peers
- Verspieren: Large independent French insurance and reinsurance brokerage offering multi-line corporate and professional insurance with significant construction/BTP exposure. Comparable as a French specialty broker with broad carrier relationships and similar target customers.
- Bessé: Independent French insurance broker providing corporate, construction, and professional liability solutions with multi-carrier comparison model. Comparable as French specialty broker serving BTP and professional clients.
- Verlingue: French corporate insurance broker (part of Filhet-Allard group) offering multi-line risk solutions including construction and professional liability. Comparable as French brokerage with specialty practices serving similar SMB and mid-market construction clients.
- SPVie Assurances: French insurance broker historically tied to construction professional bodies, with deep expertise in decennale, RC Pro BTP, and dommages-ouvrage. Highly comparable as a BTP-specialist broker with federation distribution model.
- Diot-Siaci: Major French insurance brokerage group offering construction, professional liability, and corporate insurance lines. Comparable as a French specialty broker with similar multi-carrier placement and BTP practice.
- Filhet-Allard: French insurance brokerage group with corporate, construction, and professional liability practices. Comparable as an independent French broker group serving BTP and professional clients.
Broad incumbents
- Marsh France: French arm of global broker Marsh, offering multi-line insurance and risk advisory including construction and professional liability. Comparable as a broad incumbent with overlapping construction and RC Pro capabilities.
- Aon France: French arm of global broker Aon, providing construction, professional liability, and risk management services. Comparable as a broad incumbent operating across the same insurance lines at larger scale.
- Willis Towers Watson (WTW) France: Global broker's French operation covering construction, professional liability, and corporate insurance. Comparable as broad incumbent with overlapping specialty capabilities.
Emerging players
- QBE France: Specialty insurer offering professional liability and construction insurance in France, including decennale coverage. Comparable as a counterparty on the carrier side that ETIK places business with, and as an emerging specialty underwriter in the same niche.
Market position
Strengths5 records
Competitive moat4 records
Key highlights6 records
Customer concentration
Etik Assurance social profiles
Digital presenceEtik Assurance compliance and trust
Trust signalCompliance3 records
Etik Assurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Etik Assurance leadership team
Management profileNumber of profiles
Profiles2 records
Etik Assurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Etik Assurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Etik Assurance
What does Etik Assurance do?
French insurance broker (courtier en assurance) specializing in construction and professional insurance. The company intermediates decennial warranty (décennale), professional liability (RC Pro), dommages-ouvrage, and related coverage for artisans, intellectual building professionals, real estate promoters, automotive professionals, and individuals. It places business with 15+ partner insurers including AXA, Allianz, Zurich, and Generali, offering coverage across 40+ professional activities.
Is Etik Assurance a public or private company?
Etik Assurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Etik Assurance founded?
Etik Assurance was founded in 2009. It employs 11 to 50 people.
Where is Etik Assurance based?
Etik Assurance is headquartered in Dardilly, France, in the Europe region.
How does Etik Assurance make money?
One revenue line is on record: commissions de courtage.
Who are Etik Assurance's main competitors?
Direct peers on record are Verspieren, Bessé, Verlingue, SPVie Assurances, Diot-Siaci and Filhet-Allard. Broad incumbents are Marsh France, Aon France and Willis Towers Watson (WTW) France. QBE France is listed as an emerging player.
Does Etik Assurance have an API?
No public API is recorded for Etik Assurance.
What industry is Etik Assurance in?
Etik Assurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAJADAB, Professional Liability (Errors & Omissions). Its NAICS code is 52421 and its SIC code is 6411.