Pilliot Assurances

What Pilliot Assurances does

Pilliot Assurances is an independent, family-owned insurance brokerage firm operating in France since 1968 (one source cites 1973). The company does not underwrite risk itself; instead, it acts as an intermediary between clients and a network of 60-66 partner insurance carriers, earning commissions on placed policies. Its portfolio spans two broad segments. The professional line covers mandatory and specialty coverages including RC Pro (professional liability) for tradespeople and liberal professions, multirisque professionnelle, décennale construction warranty, flotte TPM, dommage aux biens, dommage ouvrages, mutuelle TNS, prévoyance, protection juridique, and key person insurance, with vertical-specific products for boucheries-charcuteries, boulangeries-pâtisseries, salons de coiffure, real estate agents, healthcare professionals, MIA insurance intermediaries, and security métiers. The individual line covers auto, motorcycle, motorhome/converted van, habitation, PNO, garantie loyers impayés, emprunteur, and Plan Épargne Retraite (PER).

The business operates a hybrid distribution model. Customers can request quotes online, by phone, or in person at one of five agency offices across northern and central France (Aire-sur-la-Lys headquarters, Saint-Omer, Lille, Paris, Reims). It also partners with CSE works councils to distribute employee benefit insurance at negotiated group rates. Marketing is driven by profession-targeted blog content, organic social, email newsletter, and Google Reviews. The stated technology stack is conventional: online quote forms and client/extranet tools, with no proprietary underwriting platform, no API surface, and no AI features.

Revenue mechanics are commission-based across small-ticket annual policies — typical RC Pro for a freelancer at €50k turnover runs ~€288/year, multirisque pro for a small boucherie €400-1,000/year, décennale for an auto-entrepreneur plumber €800-2,000/year — with the company competing on independence, breadth of carrier access (Axa, Allianz, Generali among named partners), and personalized advisor service committed to 24-hour response.

Name

Pilliot Assurances

Legal name

Pilliot Assurances

Website

https://pilliot-assurances.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

51–100 employees

Short description

Pilliot Assurances is an independent, family-owned French insurance brokerage founded in 1968, sourcing policies from 60-66 partner insurers for professionals (artisans, liberal professions, healthcare, real estate) and individuals, distributed via five agency offices plus online and phone channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Aire-sur-la-lys

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

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, Pilliot Assurances earns commissions from partnered insurance companies (60-66 insurers) for placing policies with their clients. Revenue is generated through commissions on insurance premiums for various products including RC Pro, multirisque professional, auto, habitation, and specialty insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Pilliot Assurances is an independent French insurance brokerage that intermediates and places insurance contracts on behalf of clients with a network of 60-66 partner insurance companies. The company distributes both professional insurance (RC Pro, multirisque professionnelle, décennale, fleet, property damage, TNS health, legal protection) and individual insurance (auto, motorcycle, motorhome, home, PNO, unpaid rent guarantee, borrower, retirement savings) through online quotes, phone advisors, and five physical agency offices across France.

Product overview

Pilliot Assurances is an independent insurance brokerage operating as a broker comparison platform with over 50 years of experience. The company offers a portfolio of insurance products negotiated with 60-66 partner insurance companies, structured across two main segments: professional insurance (including RC Pro, Multirisque Professionnelle, Garantie Décennale, fleet insurance, and vertical-specific products for butchers, bakers, hairdressers, real estate agents, healthcare professionals, and liberal professions) and individual insurance (including auto, motorcycle, motorhome, home, PNO, unpaid rent guarantees, loan insurance, and retirement savings). The platform provides an online quote system enabling customers to obtain personalized insurance proposals without physical paperwork.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Pro (Responsabilité Civile Professionnelle) Professional liability insurance covering bodily, material, and intangible damages caused to third parties in the course of professional activity. Mandatory for many regulated professions and targeted at artisans, liberal professionals, healthcare providers, real estate agents, and insurance intermediaries.
• Assurance Multirisque Professionnelle Multi-risk professional insurance combining property, liability, legal protection, and business interruption coverage in a single contract for businesses and shops.
• Garantie Décennale Ten-year structural warranty insurance mandatory for construction professionals (e.g., plumbers, electricians, masons), covering serious defects appearing within ten years after work completion.
• Assurance Dommage Ouvrages Structural damage insurance covering construction defects affecting completed works, providing fast pre-financing of repair costs without waiting for liability determination.
• Assurance Auto Professionnelle Vehicle insurance for professional use, covering company cars and commercial vehicles used for business activities.
• Assurance Flotte TPM Fleet insurance for managing multiple professional vehicles (company cars, commercial vehicles, TPM fleets) under a single policy.
• Assurance Dommage aux Biens Property damage insurance protecting business assets against fire, water damage, theft, and vandalism.
• Mutuelle TNS Health insurance for self-employed professionals (Travailleurs Non Salariés) providing medical expense coverage, replacing or complementing mandatory regimes.
• Protection Juridique Legal protection coverage assisting with legal disputes and covering attorney fees and legal proceedings costs, available as standalone or optional add-on.
• Assurance Multirisque Boucherie-Charcuterie Specialized multi-risk insurance for butcher shops and delicatessens, covering cold chain, equipment, food-related liabilities, and contamination risks.
• Assurance Multirisque Boulangerie-Pâtisserie Specialized multi-risk insurance for bakeries and pastry shops covering ovens, dough kneaders, fermentation chambers, and perishable inventory.
• Assurance Multirisque Salon de Coiffure Specialized multi-risk insurance for hair salons covering professional equipment, third-party liability, and business interruption.
• Responsabilité Civile Entreprise et Dirigeants Corporate civil liability cover combining general enterprise liability, directors and officers (RCMS) liability, environmental liability, and carrier liability for businesses.
• RC Pro Professionnels de Santé Mandatory professional liability insurance for healthcare professionals (doctors, dentists, nurses, physiotherapists, midwives) covering medical errors and patient damages under the Code de la Santé Publique.
• RC Pro Professions Libérales Professional liability insurance for regulated liberal professions (lawyers, accountants, architects, notaries) covering professional errors, omissions, and disputes.
• RC Pro Agents et Mandataires Immobiliers Professional liability insurance for real estate agents, mandataires, and property managers, mandatory under the Hoguet Law, covering errors, omissions, and financial guarantee requirements.
• RC Pro Mandataires Intermédiaires en Assurances (MIA) Professional liability insurance for insurance intermediaries (MIA) and insurance agents covering errors, omissions, and regulatory compliance for professional registration.
• Assurance Auto Particuliers Vehicle insurance for individual drivers in third-party, extended third-party, and all-risk coverage levels, offered with an average ~15% (~180€) savings versus market benchmarks.
• Assurance Moto Motorcycle and scooter insurance covering the vehicle, rider equipment, and personal protection for all driver profiles.
• Assurance Camping-Car et Van Aménagé Specialized insurance for motorhomes and converted vans covering private contents up to 8000€, zero-deductible for eligible drivers, breakdown assistance, and travel-specific risks.
• Assurance Habitation Home insurance for all tenure types (tenant, owner, non-occupying owner) covering fire, water damage, theft, and personal liability.
• Assurance Propriétaire Non Occupant (PNO) Insurance for non-occupying property owners covering rental property damages, liability, and rental risks on owned-but-not-occupied real estate.
• Garantie Loyers Impayés (GLI) Unpaid rent guarantee covering lost rental income, legal fees, and eviction costs from tenant non-payment for landlords.
• Assurance Emprunteur Borrower insurance covering death, work incapacity, or disability, taking over mortgage repayments if the borrower can no longer pay.
• Plan d'Épargne Retraite (PER) Retirement savings plan allowing individuals to build capital with tax advantages for retirement income.
• Prévoyance Providence insurance covering death, total permanent disability, and work incapacity, providing income replacement and family protection.
• Garantie Homme Clé Key person insurance protecting businesses against financial loss arising from death or disability of essential employees or partners.
• Assurances Salariés CSE Employee benefit insurance programs distributed via Works Councils (CSE) offering preferential rates on auto and home insurance to partner-company employees.

Segments8 records

Ideal customer profiles2 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 and minor.

• 66 Insurance Company PartnerscoreChannel Partner/ Reseller/ DistributorPilliot Assurances works with 60-66 insurance company partners to offer competitive coverage options across all insurance lines including RC Pro, multirisque, auto, habitation, and specialty professional insurance.
• AxaminorChannel Partner/ Reseller/ DistributorInsurance company partner included in Pilliot's network of 60+ insurers for auto and other insurance products.
• AllianzminorChannel Partner/ Reseller/ DistributorInsurance company partner included in Pilliot's network of 60+ insurers for auto and other insurance products.
• GeneraliminorChannel Partner/ Reseller/ DistributorInsurance company partner included in Pilliot's network of 60+ insurers for auto and other insurance products.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• LeLynx: Major French online insurance comparator owned by Adyen-adjacent group, focusing on auto, habitation, and individual health. A direct competitive threat in commoditized retail lines where Pilliot also competes.
• Assurland: Online insurance comparison platform serving French consumers for auto, habitation, and individual lines. Represents the digital-first brokerage model that competes with traditional brokers like Pilliot on price-driven auto and home insurance acquisition.

Broad incumbents

• AXA France: One of France's largest direct insurers offering auto, habitation, santé, and professional insurance. Both a partner carrier of Pilliot and a competitor as clients can buy direct, bypassing broker commissions.
• Willis Towers Watson France: Global insurance broker with French operations offering commercial and specialty insurance brokerage. Overlaps with Pilliot's professional and corporate liability lines but serves larger enterprise and mid-market clients.
• Marsh France: Global insurance broker with French operations serving mid-market and large enterprise clients. Overlaps with Pilliot on RC Pro and commercial insurance placement but at significantly larger scale and broader geographic scope.
• Allianz France: Major French direct insurer covering auto, habitation, santé, and professional lines. Listed as a Pilliot partner insurer and also competes directly through its own distribution channels.
• Aon France: Global insurance and risk advisory firm with substantial French brokerage operations. Competes with Pilliot in professional and SMB insurance brokerage but operates at much larger scale across risk advisory, reinsurance, and human capital.

Direct peers

• CLC Assurances: Independent French insurance broker offering multi-line coverage for professionals and individuals, with similar specialization in regulated professions and SMB insurance. Comparable independent brokerage business model with multi-carrier partnerships.
• Verlingue: Independent French insurance broker serving both professionals and individuals across multi-line products including RC Pro, multirisque, auto, and habitation. Operates a similar advisory-led brokerage model with multi-carrier access and a comparable B2B/B2C dual motion.
• SPVie Assurances: French insurance broker specializing in professional liability, santé, prévoyance, and individual insurance products for independents and SMEs. Directly comparable multi-product brokerage focused on regulated professions and SMB clients.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Pilliot-Assurances-104993211075335
• LinkedInlinkedin.com/company/assurances-pilliot

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 Pilliot Assurances