What delta assurances does

Delta assurances is a Marseille-headquartered independent insurance brokerage, founded in 1920 and operating as a brand of Aon France (itself part of NYSE-listed Aon plc). It serves French and international PME, ETI, grands comptes, and associations, advising on risk protection across people, assets, and financial exposures. The firm holds more than 105 years of operating history and is ranked 18th among French generalist brokers and 3rd in financial risks brokerage.

The company organizes its offering into three core product categories. Assurances de Personnes covers employee benefits, health, prévoyance, and the post-PACTE PERO mandatory retirement savings plan. Responsabilités & Dommages delivers liability, property damage, fleet automobile (starting at 5 vehicles, paired with the Espace Web Auto self-service portal), and cyber & fraud coverage extending to AI-enabled and deepfake vocal fraud attacks. Risques Financiers bundles credit insurance, factoring (cost 0.1%-3% depending on client creditworthiness), reverse factoring (delivered via an ABN AMRO France facility with Groupe ACFI for program implementation), the TrésoPredict hybrid credit-insurance-plus-financing product, and financing advisory. Sector expertise spans eight verticals - Automobile, BTP, Interim, Médico-Social, Métallurgie, Oil & Chemicals, Propreté, and Syntec - with convention-collective-aware coverage in regulated sectors. Client-facing technology consists of two portals: Delta Connect for financial risk request management and Espace Web Auto for fleet policy, claims, and accident declaration.

Delta earns revenue through insurance brokerage commissions on placed policies across the three product lines, supplemented by advisory fees on financing and reverse factoring structuring. Distribution is hybrid: expert field sales teams deliver tailored advisory to enterprise and mid-market clients, while the two digital portals serve mid-market self-service needs. Marketing is multi-channel - blog content, white papers (notably on absenteeism), newsletter, events, and webinars - feeding top-of-funnel demand. Ownership remains under Aon France with Liliane Spiridon serving as Présidente, and no external investors, funding rounds, or M&A activity are disclosed.

Name

delta assurances

Legal name

Delta assurances

Website

https://delta-assurances.fr

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

51–100 employees

Short description

Delta assurances is an independent French insurance brokerage, founded in 1920 and operating as a brand of Aon France, that advises PME, ETI, grands comptes, and associations on employee benefits, liability and property, and financial risks including factoring and reverse factoring across eight specialized industry verticals in France and internationally.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Commercial Umbrella Insurance (FSAJANAB), International Benefits Administration & Global Benefits Brokerage (BPACAHAG), Financial Lines Treaty Reinsurance (e.g., D&O, E&O, professional liability) (FSAOAEAG)

Keywords

• Insurance brokerage
• Commercial insurance
• Employee benefits brokerage
• Credit insurance advisory
• Fleet insurance management

Headquarters

HQ city

Marseille

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, Infrastructure

Revenue model

1. Insurance brokerage commissions: As an independent insurance broker, Delta assurances earns commissions from insurance companies for placing and managing insurance policies for clients. Revenue is generated through commissions on property & casualty insurance, health/employee benefits, and financial risk products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Delta Assurances is an independent French insurance brokerage firm (founded 1920, headquartered in Marseille) that places and manages insurance programs for businesses and associations. Its core offerings span employee benefits brokerage (health, retirement, life, disability), liability and property-damage coverage, and financial-risk solutions including credit insurance, fleet/auto insurance, factoring, and risk-management consulting.

Product overview

Delta Assurances is an independent insurance broker serving PME, ETI, grandes entreprises, and associations in France and internationally. The company operates across three core product categories: Assurances de Personnes (employee benefits including PERO retirement savings plans and health insurance), Responsabilités & Dommages (liability and property insurance including fleet automobile coverage via Assurance Flotte Automobile, cyber & fraud protection, and general corporate risks), and Risques Financiers (financial risk solutions including credit insurance, Affacturage/factoring, Reverse Factoring, TrésoPredict, and Conseil en Financement advisory services). These core offerings are complemented by eight sector-specific expertise areas covering Automobile, BTP/Construction Equipment, Interim/Staffing, Médico-Social, Métallurgie/Metallurgy, Oil & Chemicals, Propreté/Cleaning, and Syntec/Digital sectors. Client-facing digital tools include the Delta Connect portal (for financial risk requests) and the Espace Web Auto platform (for automobile fleet management). With over 105 years of experience, the company is ranked 18th among French generalist brokers and 3rd in financial risk brokerage.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Insurance Brokerage
• Liability and Property Damage Insurance Brokerage
• Credit Insurance Brokerage
• Fleet / Auto Insurance Brokerage (Espace Web Auto)
• Risk Management Consulting and Auditing
• HR Outsourcing for Employee Benefits

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ABN AMRO FrancecoreStrategic or Co-development PartnerABN AMRO France is a strategic partner for reverse factoring (affacturage inversé) solutions. The partnership enables Delta assurances to offer supplier financing solutions to PME and ETI clients, with ABN AMRO providing the factor services while Delta manages the client relationship and advisory role.
• Groupe ACFIcoreStrategic or Co-development PartnerGroupe ACFI specializes in the study, implementation, and management of reverse factoring programs for PME and ETI. Their services enable faster integration of suppliers into reverse factoring programs, which is often the main cause of failure for such programs. Delta relies on ACFI for program management support.
• Bien au travailminorStrategic or Co-development PartnerBien au travail is an organization expert in workplace well-being support. They partner with Delta assurances to help businesses implement simple and sustainable actions to guarantee employee well-being, including tailored support, a well-being media platform, conversational chatbot, and self-assessments.
• Aon FrancecoreOthersDelta assurances is a brand of Aon France, one of the world's leading risk consulting firms. Aon provides global resources, expertise, and network support to Delta assurances operations in France.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh France: Global brokerage leader and direct competitor to Aon, with a large French operation serving enterprise and mid-market clients. Overlaps with Delta across most commercial lines but operates at vastly greater scale and with a broader international platform.
• Willis Towers Watson (WTW) France: Global risk, insurance, and advisory firm with a substantial French presence (formerly Gras Savoye). Competes with Delta in commercial brokerage, employee benefits, and risk advisory, particularly for large accounts, but with much broader capabilities.
• Gras Savoye (WTW): Historic French broker now part of WTW, serving mid-market and large accounts across commercial lines and employee benefits. Historically one of Delta's closest peers in the French generalist broker ranking.

Direct peers

• Howden France: European specialty insurance broker (Howden Group) with operations in France serving mid-market and large clients across commercial lines. Comparable to Delta on customer segments and emphasis on specialist commercial brokerage.
• Diot-Siaci: French-headquartered insurance broker resulting from the merger of Diot and SIACI Saint Honoré activities, serving mid-market and large corporate clients. Comparable to Delta on customer profile, French-market focus, and integrated insurance/financial-risk offering.
• Verspieren: Independent French broker and risk advisor focused on mid-market and enterprise clients, with practices in P&C, employee benefits, and financial lines. Directly comparable in customer segments, product breadth, and independent distribution model.
• Bessé: France-based independent insurance and reinsurance broker serving mid-cap and large corporates, with strong sector specialization (industrials, energy, real estate). Comparable to Delta on customer profile (ETI/grands comptes) and emphasis on sector-specific programs.
• SIACI Saint Honoré: Major French insurance broker and risk consultancy serving large corporates, with international reach and an integrated brokerage/consulting model. Comparable to Delta on target segments (grands comptes) and product breadth across P&C, benefits, and financial risks.
• Verlingue: French independent corporate insurance broker serving mid-market and large accounts across P&C, employee benefits, and financial risks. Highly comparable to Delta as a domestic, mid-tier broker with similar segment mix and customer profile (PME/ETI/grands comptes).

Regional players

• Alptis / April: French insurance brokers and product designers focused on SME and professional clients, particularly in health, protection, and commercial lines. Comparable to Delta on French-market SME focus, though typically with a more productized/white-label model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/deltaassurances

Revenue estimate

Valuation estimate

Number of profiles

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 delta assurances