What Stello does

Stello is a Paris-based digital insurance broker operating under the legal entity EasyBee S.A.S., founded in 2019 to deliver professional insurance products to French freelancers, auto-entrepreneurs, artisans, and small businesses (TPE/PME). The company runs a 100% self-serve online brokerage at stello.eu, with an underlying quote engine that produces a personalized offer in roughly three minutes and activates coverage immediately, supported by human-assisted chat, email, and phone service Monday-Friday 9am-7pm. Stello holds an ORIAS registration (number 17003064) as a regulated insurance intermediary and is backed by professional liability and financial guarantee through CGPA.

The product portfolio spans 11 coverage lines organized in three segments. For the business: Responsabilité Civile Professionnelle (RC Pro) and Garantie Décennale (mandatory 10-year construction warranty) form the core, with add-ons including Protection Juridique, Local Professionnel, Matériel Informatique, Cybersécurité, and Multirisque Professionnelle. For the individual professional: Mutuelle dirigeant (TNS) and Prévoyance dirigeant with Madelin-law tax treatment, plus Assurance Homme clé. For employees: Mutuelle d'Entreprise as a corporate health offering. Pricing is quote-based and varies with profession, revenue, and coverage scope; reported starting price points include RC Pro from €100-200/year and VTC coverage from €17.90/month.

Stello earns revenue through standard broker commissions from underwriters on each policy bound via the platform, with an annual subscription/renewal cadence. The GTM motion is product-led growth: organic SEO against profession-specific landing pages, content marketing through an editorial blog, social channels (Facebook, LinkedIn, YouTube), and a partnership/referral layer with Qonto, Freebe, Opteamis, Link Consulting, and Portail Auto-Entrepreneur. The company claims 70,000+ insured professionals ('aventuriers') across France and is registered with INPI under trademark number 174415373.

Name

Stello

Legal name

EasyBee S.A.S.

Website

https://stello.eu

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Stello is a Paris-based digital insurance broker that distributes 11 professional insurance products, including liability, Décennale, health, and cybersecurity cover, to French freelancers, artisans, and small businesses via a self-serve online platform.

Ownership category

akta.pro rank

Product category

Professional Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Professional liability insurance
• Insurance brokerage services
• Construction warranty insurance
• Self-employed health insurance
• Small business insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Stello acts as an insurance broker earning commissions from insurance providers for policies sold through their platform. The company offers multiple insurance products including RC Pro (professional liability), Garantie Décennale (construction warranty), health insurance, and other professional coverage products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Stello is a France-based digital insurance broker (courtier en ligne) that distributes and intermediates a portfolio of 11 professional insurance products to French self-employed workers, freelancers, auto-entrepreneurs, artisans, and small businesses. Its core offerings include professional liability (RC Pro), the mandatory 10-year construction warranty (Garantie Décennale), self-employed health insurance (Mutuelle TNS) with Madelin-law tax deductions, and provident income protection (Prévoyance), supplemented by add-on covers such as legal protection, professional premises, IT equipment, cybersecurity, multi-risk professional, key person, and corporate employee health insurance. Distribution is fully digital, with quotes generated in 3 minutes, immediate coverage activation, and self-serve policy management via web and mobile.

Product overview

Stello is a digital insurance broker (courtier) for French professionals, offering a portfolio of 11 insurance products. The core offerings include Responsabilité Civile Pro (RC Pro) for professional liability, Garantie Décennale for construction industry 10-year warranties, and health insurance products (Mutuelle and Prévoyance) for self-employed professionals. Additional coverage includes legal protection, professional premises, computer equipment, cybersecurity, multi-risk professional, key person insurance, and corporate health plans. The platform is 100% digital with quick quote and subscription processes, targeting freelancers, self-employed professionals, artisans, and small businesses (TPE/PME).

Differentiator

Problem solved

Functional benefit

Products and services

• Responsabilité Civile Pro (RC Pro) Professional liability insurance that protects self-employed professionals and small businesses from third-party damages caused during their professional activities. For French freelancers, auto-entrepreneurs, artisans, and TPE/PME.
• Garantie Décennale Mandatory 10-year structural warranty insurance for construction professionals, covering defects that compromise building solidity or habitability for 10 years after work completion. For French artisans and building tradespeople.
• Mutuelle dirigeant (Mutuelle TNS) Health insurance for self-employed professionals (Travailleurs Non Salariés), providing supplementary health coverage on top of French social security reimbursements, eligible for Madelin-law tax deductions.
• Prévoyance dirigeant Provident fund insurance for self-employed professionals that maintains income in the event of illness, accident, disability, or death.
• Protection Juridique Legal protection insurance covering legal costs and disputes with employees or clients. For French self-employed professionals and small businesses.
• Local Professionnel Professional premises insurance covering workplace location and contents against damage, theft, or destruction. For French professionals and small businesses with physical premises.
• Matériel Informatique Computer equipment insurance covering fixed or portable hardware against breakage or theft. For French self-employed professionals and small businesses.
• Cybersécurité Cybersecurity insurance protecting businesses against digital threats, data breaches, and cyber incidents. For French self-employed professionals and small businesses.
• Multirisque Professionnelle (MRP) Multi-risk professional insurance package combining multiple coverage types for comprehensive business protection. For French small businesses.
• Assurance Homme clé Key person insurance protecting businesses against financial losses from the death or incapacity of a key employee or partner. For French small businesses.
• Mutuelle d'Entreprise Corporate health insurance for employees, fulfilling mandatory employer obligations under French law. For French TPE/PME with employees.

Quantifiable outcome

• Quote generated in 3 minutes with immediate coverage activation
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• QontocoreGTM or Marketing PartnerQonto is a business banking platform that has partnered with Stello to provide integrated insurance access for their business banking customers. The partnership facilitates easier access to professional insurance products for Qonto's SME and freelancer customer base.
• FreebeminorGTM or Marketing PartnerFreebe is a freelance management platform that simplifies administrative tasks. Partnership with Stello provides integrated insurance access for freelance customers.
• OpteamisminorGTM or Marketing PartnerOpteamis is a consulting network that chose Stello RC Pro for their consultants, demonstrating B2B partnership for group insurance coverage.
• Link ConsultingminorGTM or Marketing PartnerIT consulting firm that relies on Stello RC Pro to secure independent missions for their consultants.
• Portail Auto-EntrepreneurminorGTM or Marketing PartnerPartner platform for auto-entrepreneur support that collaborates with Stello to help micro-entrepreneurs secure their activity with appropriate insurance.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Alan: French digital health insurance carrier offering mutuelle and prévoyance to individuals, freelancers and SMEs; directly competes with Stello's Mutuelle dirigeant and Mutuelle d'Entreprise products for the same self-employed and TPE customer base.
• +Simple: French digital insurance broker focused on professional liability, décennale and multi-risk coverage for entrepreneurs and SMEs; competes head-to-head with Stello's RC Pro, Décennale and MRP offerings on similar self-serve, quote-based distribution.
• Assur'Pros (Groupe Henner): French broker specializing in RC Pro and professional insurance for freelancers, artisans and small businesses; a traditional broker peer competing for the same professional liability and décennale segments as Stello.
• GetSafe (Getsafe): German digital insurance broker offering liability, home and professional insurance to freelancers and SMEs through a mobile-first platform; highly comparable European insurtech peer targeting the same self-employed digital insurance use case.
• Active Assurances: French digital insurance broker with a self-serve model for individuals and professionals (auto, home, health, loan); overlaps with Stello on professional lines and on the digital-broker GTM motion in France.

Emerging players

• Coverflex: French employee benefits and insurance platform for SMEs, offering mutuelle, prévoyance and perk wallets; overlaps with Stello's corporate health and SME protection lines and shares the Qonto/HR-tech SMB ecosystem.

Broad incumbents

• Luko (acquired by Crédit Agricole Assurances): French neo-insurer that pioneered the digital-first broker/insurer model for households and small businesses; while its home insurance was wound down, its brand and embedded distribution play book closely parallel Stello's digital brokerage thesis.
• Wakam: French-headquartered European B2B2C insurer and white-label carrier powering many digital insurance brands; is likely a key capacity provider for Stello's broker portfolio and a structural counterparty influencing its product economics.
• Hiscox France: Specialty insurer with a strong French professional liability and small-business franchise; a relevant incumbent comparator whose RC Pro and professional products compete indirectly with Stello's offerings.

Others

• Qonto: Leading French SMB neobank and Stello's core embedded distribution partner; Qonto increasingly bundles financial and protection products for its customers and represents both a key GTM channel and a potential future competitor to Stello.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/stello_eu
• Facebookfacebook.com/stello.eu
• LinkedInlinkedin.com/company/stellonpo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Stello