Collecteam

What Collecteam does

Collecteam is a France-based, privately held insurance broker and contract manager (Société Anonyme, RCS Orléans, registered capital €7,005,000) founded in 2000 and headquartered in La Chapelle-Saint-Mesmin near Orléans. The company specializes exclusively in supplementary social protection — prévoyance (death, disability, work stoppage) and frais de santé (health expense reimbursement) — and distributes multi-year collective contracts negotiated with a panel of insurance underwriting partners on behalf of three primary client segments: entreprises et associations (private companies and associations), collectivités territoriales (French local government entities), and courtiers (independent insurance brokers via a co-courtage pole). All 450 employees operate from the French HQ or the regional Reims health claims management center, with field sales (chargés d'affaires) conducting on-site visits to HR directors, CFOs, and public-sector decision-makers three days per week.

The technology stack is a multi-portal digital ecosystem consisting of an employer portal (Espace RH / Connecteam), two insured-member portals (Espace Prévoyance Assurés, Espace Santé Assurés), and a mobile application on iOS and Android supporting work-stoppage declarations, invalidity claims, and health reimbursement tracking. The company is regulated by the ACPR (ORIAS registration 07 005 898), is GDPR-compliant, and maintains mandatory professional liability insurance and financial guarantee per the French Insurance Code.

Collecteam monetizes through commissions on insurance referrals and ongoing contract management (commission d'apport et de gestion), generating subscription-recurring revenue under monthly billing cadence with bespoke B2B pricing that varies by employer contribution levels, coverage scope, and contract characteristics. Marketing is content-driven through editorial newsletters (RH-infos, Jurinfos, Prévention), organic social channels, and webinars targeting HR professionals, supplemented by co-brokerage partnerships. The company is led by Directeur Général Xavier Viala and has reported client recommendation rates of 90-96% in 2025 surveys, with 100% HR-team telephone satisfaction and a 92/100 gender-equality index score.

Name

Collecteam

Legal name

Collecteam (Société Anonyme de courtage en assurance)

Website

https://collecteam.fr

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Collecteam is a French privately held insurance broker and contract manager, founded in 2000 and headquartered in La Chapelle-Saint-Mesmin, that specializes exclusively in supplementary social protection — prévoyance and frais de santé — for private companies, associations, local government entities, and independent brokers across metropolitan France.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Management (Supplementary Social Protection)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

Keywords

• Insurance brokerage services
• Supplementary social protection
• Prevoyance insurance
• Health expense insurance
• Public sector benefits

Headquarters

HQ city

La Chapelle-saint-mesmin

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission d'apport et de gestion: Collecteam is compensated through commissions on insurance referrals and ongoing contract management for its insurance distribution activity, as stated in their legal mentions under ACPR regulation.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Collecteam is an ACPR-regulated French insurance broker and specialist manager that designs, distributes, and administers supplementary social protection contracts for employers. Its core offering combines brokerage and management of prévoyance (death, disability, work stoppage) coverage with frais de santé (health expense reimbursement) for enterprises, associations, and French local government entities (collectivités territoriales), supported by dedicated claims poles, employer and insured self-service portals, a mobile app, and a co-brokerage channel for independent brokers.

Product overview

Collecteam is an insurance broker and specialist manager offering comprehensive supplementary social protection products. The core offering consists of three main insurance products: Prévoyance (death, disability, and illness coverage), Frais de Santé (health expense reimbursement), and their combined Protection Sociale Complémentaire solution. These products serve private companies, public territorial collectivities, insurance brokers, and civil servants. Digital access is provided through multiple web portals (Connecteam employer portal, Espace Prévoyance for insured individuals, and Espace Santé RH) and a mobile application available on iOS and Android. The company also provides co-brokerage services, prevention content newsletters, and a FAQ resource for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Prévoyance (Death, Disability & Illness Insurance) Insurance coverage protecting employees against death, disability, and work stoppage risks; includes salary maintenance during illness, invalidity benefits, and death capital for beneficiaries. Distributed and managed by Collecteam on behalf of employers (private companies, associations, and French territorial collectivities).
• Frais de Santé (Health Expense Insurance) Supplementary health insurance covering medical expense reimbursement (hospitalization, dental, optical) for employees and dependents, brokered and managed by Collecteam for French employers and territorial collectivities.
• Protection Sociale Complémentaire (Combined Supplementary Social Protection) Comprehensive supplementary social protection package combining prévoyance and frais de santé under a single broker and manager for private companies, public territorial collectivities, and civil servants.
• Insurance Brokerage Services Expert brokerage and contract management services covering risk analysis, negotiation with insurance providers, and ongoing administration of supplementary social protection contracts for private companies, associations, and French territorial collectivities.
• Co-courtage (Co-brokerage Services) Partnership service enabling independent insurance brokers to leverage Collecteam's specialist prévoyance and santé management capabilities for their own end clients, delivered through a dedicated co-brokerage pole.

Quantifiable outcome

• 96% of clients recommend Collecteam (survey 2025)
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Insurance company partners (list available)coreOthersCollecteam distributes insurance products from multiple insurance companies. The legal mentions reference a list of partner insurers available at https://www.collecteam.fr/wp-content/uploads/2024/02/Partenaires-assureurs.pdf. Collecteam is not under an exclusive obligation to work with any single insurer and selects from its panel to negotiate best terms for clients.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SIACI Saint Honoré: Large French insurance broker and risk management group offering prévoyance, santé, and retirement benefits alongside broader P&C and specialty lines; competes with Collecteam in employee benefits but operates a much wider portfolio.
• Aon France: Global insurance and reinsurance broker with a French subsidiary providing corporate employee benefits brokerage including health, prévoyance, and retirement; competing incumbent at the larger enterprise end where Collecteam does not play.
• Willis Towers Watson France: Global advisory and brokerage firm with French operations in health, benefits, and prévoyance consulting; broader incumbent that overlaps with Collecteam on enterprise health and benefits brokerage.
• Mercer France: Marsh McLennan subsidiary providing health, benefits, and prévoyance consulting and brokerage to multinational and large French employers; broader incumbent comparable on the benefits brokerage value chain.
• Malakoff Humanis: Major French social protection group providing prévoyance, santé, and retirement to employers across France; much larger incumbent with both direct insurance and intermediated offerings that overlap with Collecteam's markets.

Direct peers

• Klesia: French group protection specialist (formerly known as Klesia, results of several group protection mergers) offering prévoyance, santé, and retirement to companies and branches; directly comparable specialist player competing in the same French group protection market.
• Verspieren: Major French insurance broker and risk advisor serving mid-market and large enterprises across employee benefits (prévoyance, santé, retirement); competes head-to-head with Collecteam in the French employer benefits segment.
• Henner: French-headquartered insurance broker specializing in group health, prévoyance, and retirement benefits for companies and expatriates; directly comparable to Collecteam in product mix (prévoyance + santé) and target market (employer-sponsored supplementary social protection).
• Alptis Prévoyance & Santé: French mutualist insurance broker offering group prévoyance and santé coverage to companies, associations, and public-sector entities; highly comparable to Collecteam's specialty, customer base, and intermediation model.

Regional players

• Courtage Saint-Gatien: Independent French insurance brokerage group specializing in employee benefits (prévoyance, santé, retirement) for companies; a smaller specialty broker with a comparable focus to Collecteam though predominantly serving western France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCJiVnfBiH30-HLWAyEvHhsA/videos?view=0
• Facebookfr-fr.facebook.com/Collecteam
• LinkedInfr.linkedin.com/company/collecteam

Compliance4 records

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 Collecteam