L'Auxiliaire

What L'Auxiliaire does

L'Auxiliaire is a French mutual insurance company founded in 1863 that exclusively serves professionals in the BTP (Building and Public Works) sector. Operating as a société d'assurance mutuelle à cotisations variables, the company is owned by its policyholder-members (sociétaires) rather than external shareholders. Headquartered in Lyon with 101-250 employees, L'Auxiliaire provides specialized insurance coverage across six core segments: building companies, engineering firms, architects, real estate developers, artisans, and public works contractors. The company is regulated by the ACPR and complements its non-life offerings through L'Auxiliaire Vie, a related mutual entity offering fixed-contribution life insurance to the same professional base.

The company's product portfolio is built around six tailored flagship policies — Global Constructeur, Global Ingénierie, Global Architecte, Assurance Responsabilité Professionnel Immobilier, Pyramide Artisan, and Atoutp — each engineered for the specific liability and operational risks of a BTP profession. In 2025, L'Auxiliaire extended the portfolio with Breez, an impact-priced insurance product covering zero-emission construction equipment, signaling product innovation tied to the sector's decarbonization. The technology infrastructure comprises a Client Extranet (Espace Sociétaire) and Broker Extranet (Espace Courtage) for policy administration, a debt recovery platform, an innovation and services platform, and proprietary BTP cost indices (BT 01, TP 01, FFB, BDM, BDG, RI) used to index policy guarantees to construction cost inflation. Supporting services include carbon footprint assessment (with BTP Rhône et Métropole and WeCount) and material reuse advisory (with Cyneo).

L'Auxiliaire generates revenue primarily through recurring insurance premiums from its sociétaire base, with the mutualist structure meaning contributions are variable and policyholders hold membership rights. Distribution occurs through a regional agency network across France, a dedicated broker channel, and direct digital portals, supplemented by proximity-based field visits to client construction sites. In 2026 the company announced a 10-year transformation plan and appointed Maxime Lenfant as Deputy General Director, while Thibault Richard was re-elected President for a three-year term. The company has no disclosed parent, no external shareholders, and no funding rounds, reflecting its independent mutualist governance.

Name

L'Auxiliaire

Legal name

Mutuelle d'Assurance des Professionnels du Bâtiment et des Travaux Publics (L'Auxiliaire)

Website

https://auxiliaire.fr

Company type

Private

Founded year

1863

Operating status

Operating

Headcount range

101–250 employees

Short description

L'Auxiliaire is a French mutual insurance company founded in 1863 that exclusively serves BTP (Building and Public Works) professionals with specialized coverage across construction, engineering, architecture, and public works segments.

Ownership category

akta.pro rank

Product category

Commercial Insurance (BTP / Construction Specialty Insurance)

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

akta.pro secondary industries

Contractors BOP / Artisan Package (FSAJAFAD), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Construction insurance
• Professional liability insurance
• Mutual insurance
• BTP insurance
• Specialty insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (Non-Life): L'Auxiliaire operates as a société d'assurance mutuelle à cotisations variables (mutual insurance company with variable contributions), primarily collecting recurring insurance premiums from its client-sociétaires across construction, engineering, architecture, and public works segments. The mutualist structure means contributions are variable and policyholders are members.
2. Life Insurance (L'Auxiliaire Vie): L'Auxiliaire Vie, a separate société d'assurance mutuelle à cotisations fixes (life/mutual insurance entity with fixed contributions), generates life insurance revenue targeting BTP professionals.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

L'Auxiliaire is a mutual insurance company that sells specialized insurance coverage exclusively to construction and public works (BTP) professionals in France. Its product portfolio includes multi-risk and professional liability insurance tailored to building companies (Global Constructeur), engineering firms (Global Ingénierie), architects (Global Architecte), real estate developers (Assurance Responsabilité Professionnel Immobilier), artisans (Pyramide Artisan), public works contractors (Atoutp), and a low-carbon impact product for zero-emission construction equipment (Breez). The mutual structure means policyholders are also members of the insurer.

Product overview

L'Auxiliaire is a mutual insurance company specializing in BTP (Building and Public Works) risks since 1863. The company offers a comprehensive portfolio of specialized insurance products including Global Constructeur for building companies, Global Ingénierie for engineering firms, Global Architecte for architects, Assurance Responsabilité Professionnel Immobilier for developers, Pyramide Artisan for craftsmen, Atoutp for public works entrepreneurs, and Breez for zero-emission equipment. The offering is complemented by digital services (Espace Client, Espace Courtier), a debt collection platform, BTP indices, and environmental transition support programs including carbon footprint assessments and material reuse partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• breez: The first responsible-impact professional insurance specific to zero-emission construction equipment and machinery. This offering rewards environmental commitment of sociétaires with advantageous pricing and innovative services.

Products and services

• Global Constructeur Multi-risk insurance coverage for building construction companies, protecting against professional risks, liability, and property damage. Designed for French BTP building firms requiring comprehensive coverage for construction operations.
• Global Ingénierie Insurance solution for BET (Bureau d'Études Techniques) engineering firms operating in the BTP sector, covering professional liability and project-specific risks for technical design and engineering consultancies.
• Global Architecte Specialized insurance for architects covering professional liability and related risks for design responsibilities and increasingly extended architectural missions.
• Assurance Responsabilité Professionnel Immobilier Professional liability insurance for property developers and project owners (maître d'ouvrage), covering developer liability, project owner responsibility, and construction phase risks.
• Pyramide Artisan Insurance offering designed specifically for craftsmen (artisans) in the construction trades, providing accessible and tailored multi-risk coverage for small construction businesses.
• Atoutp Insurance coverage for public works entrepreneurs (entrepreneur des travaux publics), addressing civil engineering risks, equipment, and public works-specific liabilities.
• Breez The first responsible-impact professional insurance in France specifically for zero-emission construction equipment and machinery, offering favorable pricing and innovative services to sociétaires committed to low-carbon trajectories.
• L'Auxiliaire Vie Separate mutual life insurance entity (société d'assurance mutuelle à cotisations fixes) generating life insurance revenue targeting BTP professionals, governed by the French Insurance Code and regulated by the ACPR.

Quantifiable outcome

• 8 out of 10 sociétaires recommend L'Auxiliaire

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• LDLC ASVELminorGTM or Marketing Partner · 26 March 2026L'Auxiliaire has strengthened its partnership with LDLC ASVEL (the major Lyon-based basketball club and sports ecosystem), affirming its Lyonnais identity and territorial roots. The partnership demonstrates L'Auxiliaire's commitment to the local Lyon area and its construction/development community.
• BTP Rhône et MétropolecoreStrategic or Co-development Partner · 1 January 2024L'Auxiliaire partners with BTP Rhône et Métropole and WeCount (a specialist in low-carbon transition support) to run an accompaniment program for companies in the construction sector. The program helps sociétaires calculate their carbon footprint (bilan carbone) and implement action plans to reduce emissions. This partnership reflects L'Auxiliaire's commitment to supporting its clients' environmental transition.
• WeCountcoreStrategic or Co-development Partner · 1 January 2024WeCount, a specialist in low-carbon transition accompaniment, co-develops with L'Auxiliaire and BTP Rhône et Métropole a program helping construction companies measure their carbon footprint and define reduction plans. The partnership provides L'Auxiliaire's sociétaires with tools and guidance for environmental transition.
• CyneominorStrategic or Co-development Partner · 1 January 2024L'Auxiliaire is a partner of Cyneo, a facilitator for material reuse and circular economy in construction. Through this partnership, L'Auxiliaire contributes to structuring reuse practices in the sector and provides concrete risk analysis and liability guidance to its members regarding material reuse.
• Mission Handicap AssuranceminorOthers · 1 January 2022L'Auxiliaire partners with Mission Handicap Assurance to promote access to employment for people with disabilities, as part of its broader employer engagement commitments and social responsibility policy.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: French arm of a global insurer with broad P&C and life offerings, including professional liability for construction — overlaps with L'Auxiliaire's product set but operates across all sectors and at much larger scale.
• Allianz France: Major national P&C and life insurer serving individuals, professionals and enterprises — covers BTP risks as part of its broader portfolio, competing for the same construction professionals but without BTP specialization.
• Crédit Agricole Assurances: Banking-affiliated insurer with multi-line P&C and life offerings — competes in professional insurance for construction-related clients via group bank branches, broader portfolio than L'Auxiliaire but overlapping customer segments.

Direct peers

• MMA: Mutualist insurance group (Covéa) with multi-line P&C and life products distributed via a regional agency network — shares mutualist DNA, multi-channel distribution and SMB/artisan customer focus comparable to L'Auxiliaire.
• Matmut: French mutualist insurer with significant P&C and life offerings, regional agency footprint and member-owned governance — directly comparable mutualist structure, geographic orientation (provincial France) and multi-line product approach.
• MACIF: Large French mutualist insurer covering P&C, life and health with strong regional agency network and member ownership model — comparable mutualist structure, multi-channel distribution (agencies, digital, broker) and southern/central France footprint.
• SMABTP: Largest mutual insurance specialist for BTP professionals in France. Directly comparable as a BTP-only mutualist insurer; L'Auxiliaire's main national specialist competitor with overlapping product lines (constructors, engineers, architects, artisans).
• Groupama: Major French mutual insurance group with a dedicated construction/BTP offering and broad regional agency network — same mutualist DNA, similar distribution model (regional agencies, brokers), and overlapping target segments including artisans and farmers.

Emerging players

• Saretec: French specialist in construction risk engineering, claims and expertise — adjacent to L'Auxiliaire's BTP focus with shared construction DNA but narrower service offering (claims/legal expertise rather than underwriting).

Others

• SOCOTEC: French leader in construction technical inspection, certification and risk management — adjacent rather than directly competing, but operates in the same BTP value chain (construction verification, compliance) and serves similar professional clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCTJYI5sfD9d0m4zbuCvg4GA
• LinkedInfr.linkedin.com/company/l%27auxiliaire
• Instagraminstagram.com/l_auxiliaire/?hl=fr
• Xx.com/L_Auxiliaire
• Facebookfacebook.com/lauxiliairebtp

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 L'Auxiliaire