BH Assurances

What BH Assurances does

BH Assurances (legal entity 2JT, intermédiaire en assurances, courtier B) is a privately held French insurance brokerage firm operating as a Société par Action Simplifiée with share capital of €7,630, registered in Angoulême (RCS 444 333 827) and regulated by ACPR with ORIAS registration 07 004 255. The firm operates a four-agency physical distribution network across the Charente department (La Rochefoucauld, Ruffec, Chasseneuil, Roumazières) and employs 15-17 collaborators, with three named principal advisors (Romain Lesterpt, Angélique Moore, Élodie Teracher) plus senior advisor Isabelle Want. It has been serving clients for more than 25 years under a relationship-driven, consultation-based sales model rather than product-led distribution.

The company offers a portfolio anchored in three core lines — property insurance (auto, home, commercial premises, legal protection, civil liability), personal insurance (health, accident, borrower, life/school guarantees), and wealth planning (retirement, inheritance, asset transfer) — plus four specialized vertical products targeting dental prosthetists (UNPPD partnership), health professionals (UNIM referral), fitness centers and sports coaches (UFBS partnership), and LEGGETT real estate agents. Revenue is generated through brokerage commissions on placed insurance policies, with pricing not publicly disclosed and quotes issued on a custom, risk-evaluated basis.

The go-to-market is regional and sales-led: clients either visit an agency, request a quote via email, or are referred through one of the firm's union or network partnerships. Marketing is limited to website content, a monthly newsletter (with English-language content for British expatriates in France), and direct outreach. No proprietary technology platform, AI/ML capabilities, mobile app, public API, or digital self-service tooling is referenced; the technology footprint is a standard content website with no disclosed integrations. The firm is independent, with no parent company, no external funding, and no M&A activity recorded.

Name

BH Assurances

Legal name

2JT, intermédiaire en assurances, courtier B, Société par Action Simplifiée au Capital de 7 630 € RCS d'Angoulême n° 444 333 827

Website

https://bh-assurances.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BH Assurances is a privately held French insurance brokerage (courtier B) operating four agencies across the Charente region, with 15-17 collaborators serving individuals and SMB professionals, including specialized vertical programs for dental prosthetists, health professionals, fitness centers, and real estate agents.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Insurance brokerage services
• Property and casualty insurance
• Personal insurance coverage
• Professional liability insurance
• Wealth and estate planning

Headquarters

HQ city

La Rochefoucauld

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: BH Assurances operates as an insurance intermediary (courtier B) earning commissions from insurance product providers. Revenue is generated through brokerage fees and commissions on placed insurance policies across property, personal, and specialized professional insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

BH Assurances is a French insurance brokerage (courtier B) that sells and places property, personal, wealth-planning, and specialized professional insurance lines for individuals and businesses in the Charente region. The firm operates four physical agencies, employs 15-17 collaborators, and earns commissions from insurers after conducting personalized risk assessments and tailoring coverage to client needs.

Product overview

BH Assurances is a French insurance brokerage firm (courtier B) operating as a multi-product insurance provider. The company offers a comprehensive portfolio organized around four core insurance categories: Assurance de biens (property insurance covering auto, home, and liability), Assurances de personnes (personal insurance including health, accident, and borrower coverage), and Placements/successions/transmissions (wealth management and estate planning). Beyond these core offerings, BH Assurances has developed specialized insurance solutions for specific professional sectors including dental prosthetists (UNPPD partnership), health professionals (UNIM partnership), real estate agents (Leggett partnership), and fitness centers/sports coaches (UFBS partnership). The company operates with 4 agencies and 15-17 collaborators serving clients primarily in the Charente region of France.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance de biens (Property Insurance) Property insurance covering automobile, home, legal protection, professional premises, and civil liability for individuals and professionals in Charente.
• Assurances de personnes (Personal Insurance) Personal insurance providing protection for individuals and families against the financial and physical consequences of accidents or illness, including daily allowances, health complement, life accident guarantee, school guarantee, and borrower insurance.
• Placements, successions, transmissions (Investments, Inheritance, Transfers) Financial planning services covering retirement, income and wealth taxation, wealth distribution, asset transfer, and family protection.
• Assurance Prothésistes dentaires (Dental Prosthetists Insurance) Specialized insurance solutions for dental prosthetist laboratories (IND, SARL, or SAS structures), including multi-risk professional insurance, automotive risk, social protection for employees and managers, financial protection, and professional liability coverage. Integrated legal protection is included via UNPPD membership.
• Assurance Professionnels de la santé (Health Professionals Insurance) Specialized insurance for health professionals (liberal and salaried practitioners), including medical assistance, invalidity coverage starting at 10%, pregnancy and childbirth coverage, e-reputation protection, private and professional legal protection, professional loss guarantee, and borrower guarantee with professional risk integration.
• Assurance Agents Leggett (Leggett Real Estate Agents Insurance) Specialized insurance package for LEGGETT real estate commercial agents, covering professional liability, health complement, automobile, legal protection, prévoyance, and professional premises — offered under preferential terms via the LEGGETT partnership.
• Assurance Salles de fitness et coachs sportifs (Fitness Centers and Sports Coaches Insurance) Insurance solutions for fitness centers and sports coaches, covering premises, professional civil liability compliant with the French Sport Code, and individual and collective health insurance.

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• UNPPD (Union Nationale des Prothésistes Dentaires)coreStrategic or Co-development PartnerBH Assurances manages integrated legal protection for UNPPD members included in their membership fees, as well as essential insurance options for dental prosthetist laboratories.
• UFBS (Union Française du Bien-Être et du Sport)coreStrategic or Co-development PartnerPartnership with UFBS professional union to create specific insurance solutions for fitness centers and sports coaches, ensuring compliance with Sport Code requirements.
• LEGGETT ImmobiliercoreStrategic or Co-development PartnerExclusive partnership providing preferential insurance conditions for LEGGETT commercial real estate agents, including professional liability, health coverage, and business insurance tailored to independent real estate professionals.
• UNIMcoreChannel Partner/ Reseller/ DistributorBH Assurances serves as the UNIM-referenced agency for health professionals in Charente, providing specialized insurance solutions for both liberal and salaried practitioners.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Henner: French independent insurance broker with strong specialization in health, protection, and professional liability for individuals and professionals. Comparable to BH Assurances' health-professional and personal-insurance vertical specializations.
• SPB: French insurance broker specialized in affinity and partnership-based distribution (banks, retailers, unions). Directly comparable to BH Assurances' partnership-led model with UNPPD, UFBS, UNIM, and LEGGETT, and to its multi-product brokerage approach.
• Alptis: French insurance broker serving individuals, professionals, and small businesses with health, protection, and property coverage. Closely comparable business model and customer mix to BH Assurances.

Broad incumbents

• Verspieren: Mid-sized French insurance broker with broad commercial and personal lines. Relevant comparator for BH Assurances' SMB and professional client base, but at a larger national scale.
• Aon France: Global insurance and reinsurance broker present in France. Overlaps with BH Assurances' commercial-lines brokerage and professional-risk advisory, but at enterprise scale.
• Willis Towers Watson (WTW) France: Global advisory and brokerage firm with a French practice spanning risk, insurance, and wealth. Comparable in product breadth (assets, health, liability) to BH Assurances' wealth and personal-insurance book.
• Marsh France: Global insurance broker and risk advisor with a French office serving commercial and specialty lines. Comparable to BH Assurances' commercial lines brokerage activity but operating at vastly larger scale.
• April (APRIL Group): Large French insurance broker (now part of Vyv) offering multi-line personal and professional insurance. Comparable in product breadth to BH Assurances but at substantially larger scale and geographic reach.

Others

• AXA France: Major French direct insurer distributing through brokers and agents. Carrier relationship counterpart rather than a direct competitor, but shapes the competitive environment BH Assurances operates in.
• UNIM: French association of health and medical professionals and identified BH Assurances as its UNIM-referenced agency in Charente. Partner/ecosystem relationship rather than direct competitor, but proximity to BH Assurances' health-professional vertical.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/charenteinsure
• Facebookfacebook.com/assurancesBH
• LinkedInlinkedin.com/company/bh-assurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 BH Assurances