What Gan does

Gan Assurances is a French multi-line insurance company, legally structured as a Société Anonyme under the name "Gan Assurances – Compagnie française d'assurances et de réassurances" and headquartered at 8-10 rue d'Astorg, Paris. It is a wholly-owned subsidiary of Groupama Groupe, a major diversified French insurance conglomerate, and operates with reported share capital of €216,033,700 and a workforce in the 1,001–5,000 range. The company offers a comprehensive insurance portfolio covering Property & Casualty (auto, home, fleet), Health and Protection (supplementary health with the Sévéane network, prévoyance, funeral, borrower), Life and Savings (life insurance, PER, PERCOL, PERO), and a wide range of Professional and Enterprise lines including agricultural, construction, commerce, cyber, key person, and GSC unemployment cover for business leaders.

Gan distributes its products exclusively through a nationwide network of Agents généraux (general agents) operating under the Gan brand across France; online subscription is explicitly not offered, with the company positioning personalized face-to-face advisory as its core GTM thesis. The technology layer is described as standard insurance infrastructure with customer-facing digital tools including the Espace Client online portal and the Gan Santé mobile application (providing offline insurance card access, third-party payment card display, and provider directory), alongside Google reCAPTCHA for form-level fraud protection. Customer support and value-added services are delivered through an ecosystem of partners including Mutuaide Assistance (24/7 roadside and home assistance), Carglass and four other named glass repair networks totaling over 1,150 approved specialists, and the Sévéane health network for optical, dental, and hearing providers.

The business model is fundamentally subscription-based, recurring premium collection across multi-year insurance contracts with annual or monthly billing cadence depending on product line. Pricing is quote-based and not publicly disclosed, negotiated through agents rather than via transparent online rate cards. Gan serves three primary customer segments — Particuliers (individual consumers), Professionnels (self-employed, artisans, liberal professions), and Entreprises (SMEs) — with secondary specialization in agricultural, healthcare-professional, and construction-industry verticals. Beyond commercial insurance, Gan maintains the Fondation Gan pour le Cinéma, a 35+ year film patronage program whose supported filmmakers have collectively earned 1 Oscar, 43 Césars, and 40 Cannes prizes including 1 Palme d'Or, functioning as a brand-building and cultural-PR asset rather than a revenue stream.

Name

Gan

Legal name

Gan Assurances – Compagnie française d'assurances et de réassurances

Website

https://gan.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Gan Assurances is a French multi-line insurance company, wholly-owned by Groupama Groupe, offering auto, home, health, life/savings, and professional insurance products distributed exclusively through a nationwide network of Agents généraux serving individual consumers, self-employed professionals, and SMEs across France.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Professional Firms BOP (Office/Professional) (FSAJAFAE)

akta.pro secondary industries

Restaurants, Bars & Food Service BOP (FSAJAFAG), Healthcare Offices BOP (Medical/Dental/Vet Clinics) (FSAJAFAL)

Keywords

• Property and casualty insurance
• Supplementary health insurance
• Life insurance and savings
• Professional liability insurance
• Business fleet insurance

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance: Core revenue from auto, home, professional liability, and business insurance products. Premiums collected on annual or multi-year contract basis.
2. Health Insurance: Supplementary health insurance (mutuelle santé) providing coverage for medical expenses, optical, dental, and hearing care through partner network Sévéane.
3. Life and Savings Products: Life insurance (assurance vie épargne), retirement savings plans (PER, PERCOL, PERO), and funeral insurance products.
4. Professional Insurance: Business insurance including multi-risk policies for professionals, key person insurance, fleet insurance, construction insurance, and agricultural insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Gan Assurances is a French insurance company that underwrites and distributes personal and professional insurance products—including auto, home, supplementary health, life/savings, funeral, borrower, fleet, key-person, agricultural, construction, retail, and cyber insurance—exclusively through a nationwide network of Agents généraux. It complements these insurance contracts with a mobile application (Gan Santé), an online client portal, and value-added partner networks (Sévéane health network, Mutuaide assistance, 1,150+ glass repair specialists) accessible to policyholders.

Product overview

Gan Assurances is a French insurance company offering a comprehensive portfolio of insurance and savings products distributed exclusively through a network of general agents (Agents généraux) across France. The core product architecture consists of vehicle insurance (Gan Auto and Gan Flotte Automobile), property insurance (Gan Habitation), health insurance (Gan Santé with complementary and dental/optical networks), savings and retirement products (Gan Vie Epargne, Gan Retraite Complémentaire, PERCOL, PERO), and provident/death insurance (Gan Prévoyance, Gan Obsèques). For professionals, Gan offers specialized coverage including business insurance, key person insurance (Gan Assurance Homme Clé), GSC unemployment insurance, agricultural insurance, construction/building trades insurance, and commerce/restaurant insurance. The company also provides supplementary offerings such as cyber risk insurance, borrower insurance, and an employee benefits platform. Products are accessible through physical agency branches, an online client portal (Espace Client), and the Gan Santé mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• Gan Santé: Mobile application for health insurance management, providing access to third-party payment cards, policy documents, and provider search functionality.

Products and services

• Gan Auto Automobile insurance for individual vehicle owners covering liability, theft, fire, glass breakage, natural disasters, and including 24/7 assistance services.
• Gan Habitation Home (multi-risk) insurance covering damages to property, civil liability, defense and recourse, natural events, water damage, theft, vandalism, and glass breakage; includes coverage for secondary residences and temporary accommodation.
• Gan Santé (supplementary health insurance) Supplementary health insurance covering medical expenses, optical care, dental care, and audiology with a third-party-paying network through Sévéane partners and no subscription age limit.
• Gan Prévoyance Personal provident insurance covering death, disability, and inability to work, providing capital or income to protect the policyholder and family.
• Gan Vie Epargne Life insurance and savings product allowing flexible contributions, potential returns, and capital or annuity withdrawal at retirement, including unit-linked funds.
• Gan Retraite Complémentaire (PER) Complementary retirement savings product enabling tax-advantaged retirement savings with flexible contributions and exit as capital or annuity.
• Gan Obsèques Funeral expense insurance allowing policyholders to pre-fund funeral arrangements, relieving family members of financial and organizational burden.
• Gan Assurance Emprunteur Loan insurance protecting borrowers and their families against death, disability, or inability to work during loan repayment period.
• Gan Flotte Automobile Fleet vehicle insurance for professionals with multiple vehicles, offering simplified management and consolidated coverage.
• Gan Assurance Entreprise Business insurance covering civil liability, events, associations, cyber risks, key person protection, and employee benefit plans.
• Gan Assurance Homme Clé Key person insurance protecting businesses against financial loss from death, disability, or inability to work of essential employees or executives.
• Gan Assurance GSC Unemployment insurance for business leaders, entrepreneurs, and corporate officers providing income replacement in case of involuntary loss of activity.
• Gan Assurance Agricole Agricultural insurance covering farm equipment, climate risks to crops, livestock mortality, and multi-risk farm operations.
• Gan Assurance BTP Construction and building trades insurance covering artisan contractors, building damage, and worksite liability.
• Gan Assurance Commerce Commercial establishment insurance covering restaurants, hotels, retail shops, and wholesale businesses.
• Gan Assurance Cyber-Risques Cyber risk insurance protecting businesses against digital threats, data breaches, and cyber attacks.
• Solution PERCOL (Collective Pension Savings Plan) Collective Pension Savings Plan for employees, offering retirement savings with employer contributions and tax advantages.
• Solution PERO (Mandatory Employee Savings Plan) Mandatory Employee Savings Plan for retirement with mandatory employer contributions and tax-advantaged savings.
• Gan Solutions Prévoyance Salariés Employee provident and benefits solution including health, provident, and retirement benefits for corporate clients.
• Gan Assurance Moto & Scooter Motorcycle and scooter insurance for individual owners.
• Gan Assurance Protection Juridique Legal protection insurance providing coverage for legal disputes.
• Appli Gan Santé (Mobile Application) Mobile application for health insurance policyholders providing access to third-party payment cards for all family members, offline insurance card viewing/sharing, provider directory search, and claims management.

Quantifiable outcome

• 92/100 score on professional equality index 2026, demonstrating commitment to workplace equality

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• FDJ United-SUEZflagshipGTM or Marketing PartnerGan Assurances is a major partner (partenaire majeur) of the FDJ United-SUEZ women's professional cycling team. This sponsorship provides brand visibility and association with sports values of performance, teamwork, and endurance.
• Mutuaide AssistancecoreOthersMutuaide Assistance provides assistance services including 24/7 roadside assistance, home emergency assistance, and travel assistance. Gan integrates these services into their auto and home insurance policies.
• SévéanecoreTechnology or IntegrationSévéane is a health network providing access to reduced-cost optical, dental, and hearing aid services. Gan health insurance customers benefit from negotiated rates through this network.
• CarglasscoreChannel Partner/ Reseller/ DistributorCarglass is a preferred glass repair partner within Gan Assurances' network of over 1,150 approved glass repair specialists. Offers no-advance-payment repairs and mobile service.
• France Pare-Brise, Mondial Pare-Brise, A+Glass, Glass Auto Service, GlasseocoreChannel Partner/ Reseller/ DistributorNetwork of approved glass repair partners covering entire French territory with over 1,150 specialists. Provides no-advance-payment repairs, mobile service, and ADAS calibration for vehicle safety systems.
• Groupama Gan ViecoreStrategic or Co-development PartnerLife insurance and savings products are underwritten through Groupama Gan Vie, Gan Assurances' sister company within Groupama Group. Gan Vie experts feature in podcasts and provide wealth management expertise.
• Groupama Asset ManagementcoreStrategic or Co-development PartnerAsset management services for Gan Assurances savings products provided by Groupama Asset Management. Economists from the firm contribute to Gan podcasts on market trends.
• ExpertisimominorImplementation/ SI/ Consulting PartnerPatrimonial consulting partner providing expertise for wealth management and real estate investment topics featured in Gan podcasts.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Matmut: French mutual insurer offering multi-line P&C, health, life, and savings products distributed across France. Comparable to Gan in product breadth and traditional distribution model serving both individuals and professionals.
• Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole providing P&C, life, health, and savings products through bank branches. Comparable to Gan in product breadth but contrasts with agency-based distribution model.
• SwissLife France: French subsidiary focused on life, health, and retirement products with an agent-based distribution model. Overlaps directly with Gan's life/savings portfolio and PER offerings.
• BNP Paribas Cardif: Bancassurance arm of BNP Paribas offering life, health, and P&C products via banking partners. Comparable in savings and protection offerings while leveraging different distribution to Gan's agent network.
• Covéa (MAAF, MMA, GMF): French mutual insurance group operating multiple brands (MAAF, MMA, GMF) with similar multi-line offerings for individuals and professionals. Competes head-to-head with Gan in P&C and savings segments.

Broad incumbents

• AXA France: Dominant French insurer offering the same full suite of P&C, health, life, and savings products, with multi-channel distribution including general agents, brokers, and bancassurance partnerships. Largest direct competitor for Gan's market segments.
• Allianz France: French subsidiary of global insurer Allianz, offering multi-line P&C, life, and health products through agents and brokers. Competes with Gan especially in professional and corporate segments.
• Generali France: French arm of Italian insurer Generali, providing P&C, health, and life products through agents and brokers. Competes particularly in professional and corporate insurance segments.
• Groupama Group (parent level): Parent mutual insurance group combining regional caisses and national subsidiaries like Gan. Provides broader context on the corporate umbrella but operates with multi-channel distribution beyond Gan's exclusive agent model.

Others

• Mutuaide Assistance: Assistance services provider integrated into Gan's auto and home insurance products. Not a direct competitor but a strategic infrastructure partner enabling 24/7 roadside and home emergency services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/GanAssurances
• Facebookfacebook.com/GanAssurancesOfficiel
• LinkedInlinkedin.com/company/gan

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Gan