Assurea
Assuréa is a French wholesale insurance broker distributing 31 insurance products from 13+ carriers to a network of 2,300+ independent brokers across France, earning transaction-based commissions on borrower, health, auto, home, and unemployment policies originated through its partner portal.
- Company typePrivate
- Founded2003
- HeadquartersViviers-du-lac, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Assurea does
Assuréa is a French wholesale insurance broker (courtier grossiste) founded in 2003 by Agnès and Hervé Brasseur and headquartered in Meyreuil, near Aix-en-Provence. The company operates as an intermediary between insurance carriers and independent insurance brokers, distributing a portfolio of approximately 31 insurance products sourced from 13+ carrier partners across four lines: borrower insurance (assurance emprunteur), health insurance, auto insurance, and home/multirisque habitation (MRH), plus a complementary unemployment product. Assuréa is registered with ORIAS (n°11063471) and operates under ACPR prudential supervision, with all borrower contracts compliant with CCSF equivalence criteria.
The platform is built around an "Espace Partenaire" partner portal that provides independent brokers with quote generation (tarificateur), online subscription workflows, client tracking, resignation/substitution support tools, and a comparator across carrier offerings. Underlying services include a dedicated substitution support team ("Pôle Accompagnement à la Substitution"), a "Le Coupe-Circuit" pathway for files qualifying for zero medical underwriting, and integration with Multi-Impact, a third-party management center handling policy administration, collections, claims, and commission settlement with sub-one-minute response times. Technology emphasis is on ease-of-use and digital workflow acceleration rather than algorithmic differentiation.
Assuréa earns transaction-based commission income from insurance carriers for policies placed through its network of 2,300+ active broker partners, and reported 230,000+ policyholders in portfolio and 40,000+ contracts originated in 2024. The company is led by CEO Micheline Daijardin and Deputy CEO Nicolas Koran, with an inside sales team of 11 specialists at headquarters and regional directors covering France. The firm is privately held with no external investors, no disclosed funding history, and operates exclusively within the French market.
Assurea firmographics
Firmographics- Name
- Assurea
- Legal name
- Assurea Distribution SAS
- Website
- https://assurea.fr
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Assuréa is a French wholesale insurance broker distributing 31 insurance products from 13+ carriers to a network of 2,300+ independent brokers across France, earning transaction-based commissions on borrower, health, auto, home, and unemployment policies originated through its partner portal.
- Ownership category
- akta.pro rank
Assurea industry classification
Industry- Product category
- Insurance Brokerage / Wholesale Insurance Distribution
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
Keywords
Where Assurea is headquartered
LocationHeadquarters
- HQ city
- Viviers-du-lac
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Assurea business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Broker Commissions: As a wholesale broker (courtier grossiste), Assuréa earns commissions from insurance companies when brokers place insurance business through their platform. The company matches insurance companies seeking distribution with independent brokers, earning commission income per policy placed.
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Assurea product offering
Product offeringCore offering
Assuréa is a French wholesale insurance broker (courtier grossiste) that aggregates borrower, health, auto, home, and unemployment insurance products from 13 partner insurance companies and distributes them to a network of more than 2,300 independent insurance brokers across France. It supports those partner brokers with a digital platform (Espace Partenaire) including a real-time quote generator, 100% digital subscription flow, client portal, and tools for managing contract substitutions under Hamon/Bourquin laws. Managed services (Multi-Impact), training programs, and a partner loyalty club (Assuréa Le Club) round out the offer, with revenue derived from insurance carrier commissions on placed business.
Product overview
Assuréa is a wholesale broker platform offering a portfolio of insurance products across four main lines: borrower insurance (Assurance Emprunteur), health insurance (Assurance Santé), auto insurance (Assurance Auto), and home insurance (MRH). The platform is built around a partner portal (Espace Partenaire) for daily dossier management and integrates with Multi-Impact as its primary policy administrator. Core insurance products are distributed through partner brokers, while add-on services include digital subscription tools (Adhésion en Ligne, Tarificateur, Espace Client), cancellation support (Pack Résiliation, Gestion Déléguée), risk management solutions (Solutions Alternatives, Le Coupe-Circuit), and a loyalty program (Assuréa Le Club). Training services and monthly webinars round out the partner enablement offering.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Emprunteur (Borrower Insurance) Borrower insurance line offering 10+ complementary products with constant or decreasing premiums, built with seven partner insurance companies. All contracts meet CCSF equivalence criteria and are intended to be placed by independent partner brokers for clients taking out mortgage or consumer loans.
- Assurance Santé (Health Insurance)
Quantifiable outcome
- 230K+ policyholders served
- +3 more outcomes
Companies that use Assurea
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Assurea technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
Assurea partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- ACHEELcoreAcheel is a French neo-insurance launched in 2020, offering 100% digital home, health, and borrower insurance. Known for simplicity, speed, and customizability with competitive contracts, no commitment, and transparent user experience.
- ALLIANZcoreGlobal insurance and financial services leader present in 70+ countries, offering wide range of products in auto, home, health, life, and savings for individuals and businesses.
- AXAcoreGlobal insurance brand based in Paris since 1985, serving 107 million clients in 64 countries. Offers person insurance including provident, health, retirement, wealth management, and savings products.
- CNPcoreParis-based life insurance specialist with 32 million insured clients and 14 million savers. €36B revenue, partnered with major French partners (La Banque Postale, Groupe BPCE), European (Banco Santander), and Brazilian (Caixa Economica Federal) partners.
- Gan EurocourtagecoreParis-based insurance company operating in 8 French regions since 1996, supporting broker partners in commercializing standard and customized insurance solutions. Two expert teams dedicated to retirement savings and international mobility.
- GeneralicoreFrench subsidiary of Italian insurance group founded in 1831. Group present in 50 countries with €70.7B revenue in 2020.
- Harmonie MutuellecoreBuilding innovative health and social protection model with Groupe VYV, protecting over 5 million people. Leading mutual health insurer addressing societal changes.
- MAIF VIEcoreLife insurance subsidiary of MAIF group, specializing in savings, retirement savings, and provident insurance. Mission to provide adapted solutions for members in person insurance. First life insurance company to become a mission-driven company (Société à Mission) since July 1, 2021.
- Malakoff HumaniscoreParitarian and mutualist social protection group with non-profit purpose, created January 1, 2019 from merger of Malakoff Médéric and Humanis groups.
- MNCAPcoreOnly independent mutual group specializing in loan insurance. Protective, custom, and renewed through constant innovation effort. Solutions available through wide partner network.
- Société Générale AssurancescoreAt heart of Société Générale group development strategy in synergy with retail banking, private banking, and financial services. Present in France with Sogécap, Antarius, Sogessur, and Oradéa Vie, and in 6 international countries. Complete range of life insurance, retirement savings, and protection products for individuals, professionals, and businesses.
- SuravenircoreSubsidiary of Crédit Mutuel Arkéa, specialized in life insurance, provident, and retirement. 30 years of experience offering performant and flexible solutions for individuals and professionals. Rigorous management and responsible investments guarantee security and transparency.
- SwissLifecoreReference player in insurance and wealth management for nearly 160 years, with global approach in life insurance, private banking, financial management, health, provident, and property damage.
- Multi-Impact (Management Center)coreReference management center for borrower insurance, providing complete management from A to Z: before-sale (subscription, medical selection, contract issuance), after-sale (collections, unpaid management, amendments), claims management, and commission statement/payment. Includes business continuity plans, cyberattack defense, and average response time under 1 minute.
Scale indicators8 records
Assurea competitors and assessment
Company assessmentDirect peers
- Cegema: Cegema is a long-standing French wholesale insurance broker (courtier grossiste) distributing P&C, health, and life products to independent brokers, directly comparable to Assuréa's wholesale brokerage model and target market.
- Novélia Assurances: Novélia is a French wholesale insurance broker focused on borrower and personal lines distributed through independent brokers; its product mix and broker-channel model closely overlap with Assuréa.
- Magnolia (MagnoPrévoyance / assuranceemprunteur.fr): Magnolia is a French wholesale broker specializing in borrower insurance and protection products distributed through independent brokers, sharing Assuréa's core borrower-insurance focus and partner-broker GTM.
- BDM (Bureau Direct Marchands): BDM is a French wholesale insurance broker distributing multi-carrier products (including borrower insurance) to broker partners, sharing Assuréa's G2B2C wholesale distribution model.
Broad incumbents
- Allianz France: Allianz is a global insurer with a strong French retail presence and is one of Assuréa's carrier partners; comparable as a broad incumbent offering P&C, life, and health products through multiple distribution channels.
- AXA France: AXA is a leading French direct insurer and a core carrier partner of Assuréa; as a broad incumbent, it represents both upstream supplier and an alternative direct distribution channel potentially disintermediating wholesale brokers.
- Diot-Siaci: Diot-Siaci is a major French insurance and reinsurance broker with broad corporate and specialty offerings; comparable to Assuréa as a regulated French insurance intermediary, though larger and more corporate-focused.
- Verlingue: Verlingue is one of France's leading independent insurance brokers offering P&C, health, and benefits distribution to businesses; broader portfolio than Assuréa but overlapping broker-distribution dynamics and multi-line product offering.
Emerging players
- Luko: Luko is a digital-first French home insurance insurer that sells directly to consumers online; relevant as an emerging insurtech operating in Assuréa's home insurance (MRH) product category and exemplifying direct-to-consumer competition.
- Acheel: Acheel is a French neo-insurer launched in 2020 offering 100% digital home, health, and borrower insurance; also listed as a carrier partner of Assuréa. Its direct-to-consumer model represents both a partnership counterparty and a disintermediation threat to Assuréa's broker channel.
Market position
Strengths5 records
Weaknesses5 records
Key risks6 records
Key highlights7 records
Customer concentration
Assurea social profiles
Digital presenceAssurea compliance and trust
Trust signalCompliance5 records
Assurea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Assurea leadership team
Management profileNumber of profiles
Profiles3 records
Assurea funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Assurea 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 Assurea
What does Assurea do?
Assuréa is a French wholesale insurance broker (courtier grossiste) that aggregates borrower, health, auto, home, and unemployment insurance products from 13 partner insurance companies and distributes them to a network of more than 2,300 independent insurance brokers across France. It supports those partner brokers with a digital platform (Espace Partenaire) including a real-time quote generator, 100% digital subscription flow, client portal, and tools for managing contract substitutions under Hamon/Bourquin laws. Managed services (Multi-Impact), training programs, and a partner loyalty club (Assuréa Le Club) round out the offer, with revenue derived from insurance carrier commissions on placed business.
Is Assurea a public or private company?
Assurea is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Assurea founded?
Assurea was founded in 2003. It employs 11 to 50 people.
Where is Assurea based?
Assurea is headquartered in Viviers-du-lac, France, in the Europe region.
How does Assurea make money?
One revenue line is on record: insurance Broker Commissions.
Who are Assurea's main competitors?
Direct peers on record are Cegema, Novélia Assurances, Magnolia (MagnoPrévoyance / assuranceemprunteur.fr) and BDM (Bureau Direct Marchands). Broad incumbents are Allianz France, AXA France, Diot-Siaci and Verlingue. Emerging players are Luko and Acheel.
Does Assurea have an API?
No public API is recorded for Assurea.
What industry is Assurea in?
Assurea's product category is Insurance Brokerage / Wholesale Insurance Distribution. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators). Its NAICS code is 524210 and its SIC code is 6411.