Suisscourtage

What Suisscourtage does

Suisscourtage is an independent insurance brokerage domiciled in Monaco, founded in 1988 by Jean-Victor Pastor as part of the Pastor Group (a Monaco-rooted family conglomerate active since 1880). The firm operates as a Société Anonyme Monégasque (SAM) selling personal and commercial insurance across Monaco, France, and internationally, with a network of 9 offices (Monaco, Nice, Antibes, Cannes, Marseille, Menton, Paris) and 200+ collaborators. It earns revenue primarily through commissions from a multi-carrier panel that includes AXA, Allianz, Chubb, Generali, Hiscox, Lloyd's of London, Tokio Marine, MetLife and others, supplemented by advisory and claims-management fees on complex risks.

The company runs ten specialty sub-brands targeting distinct client verticals: OnlyHealth (international private medical insurance developed with Allianz Partners and supported by Henner's 60,000-provider network in 187 countries), OnlyHotel (hospitality multi-risk), OnlyYacht (marine), OnlyJet (private aviation), OnlyMedical (healthcare professionals), OnlyResidence (senior living), OnlyYard (shipyards), OnlySport (sports), OnlyCare (first-euro health for France/Monaco residents outside social security), and BET Assurances (technical design offices). Distribution combines a direct office and advisor-led model with digital channels including an online customer portal, a branded iOS/Android mobile app, and an Easy Claim app for health reimbursements, alongside channel partnerships such as GNI SUD PACA for hospitality.

Go-to-market is overwhelmingly sales-led and relationship-driven, focused on high-net-worth private clients (international assets, jewelry, art, yachts) and SME/mid-market business clients across hospitality, healthcare, construction, retail, maritime, and senior-care verticals. Pricing is quote-based with annual billing, varying by coverage, asset value, and risk profile; no public pricing is disclosed. The company is privately held under the Pastor family with no external institutional investment or public listing.

Name

Suisscourtage

Legal name

SAM SUISSCOURTAGE, Société Anonyme Monégasque de courtage en assurances et réassurances

Website

https://suisscourtage.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

Suisscourtage is an independent insurance brokerage headquartered in Monaco, founded 1988, serving high-net-worth individuals and businesses across Monaco, France, and internationally through 9 offices, 200+ staff, and ten specialty sub-brands.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Professional Practice Brokerage (Medical/Dental/Legal/Accounting) (FSAEAIAI), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Commercial insurance solutions
• Personal insurance coverage
• Risk management advisory
• Specialty insurance programs

Headquarters

HQ city

Monaco

HQ country

Germany

HQ region

Europe

Offices7 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, Suisscourtage earns commissions from insurance carriers for placing policies. The company works with multiple insurers to find optimal coverage for clients, earning commissions on each policy sold and renewed.
2. Professional Services: Advisory and consulting services for complex insurance needs including risk analysis, claims management, and ongoing policy optimization for high-value clients and international clientele.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Suisscourtage is an independent insurance brokerage headquartered in Monaco that places personal, commercial, and specialty insurance coverage with a broad panel of carriers including Lloyd's of London. The firm operates through nine offices in Monaco and France, dedicated account managers, and digital self-service tools, with specialty sub-brands (OnlyHealth, OnlyHotel, OnlyYacht, OnlyJet, OnlyMedical, OnlyResidence, OnlyYard, OnlySport, OnlyCare, Bâti Pro'tect) targeting specific industries. Core services include risk analysis, insurance placement, claims management and advocacy, and ongoing policy and market monitoring for individual, professional, and corporate clients.

Product overview

Suisscourtage is an independent international insurance brokerage headquartered in Monaco since 1988, operating as a unified platform with specialized sub-brands under its corporate umbrella. The core brokerage platform provides risk analysis, placement strategy, claims management, and market monitoring services, while proprietary sub-brands address specific market segments: OnlyHealth (international private medical insurance), OnlyCare (health coverage for France/Monaco residents without social security), OnlyHotel (hospitality insurance), OnlyMedical (healthcare professional coverage), OnlyYacht (yacht insurance), OnlyResidence (retirement home insurance), OnlyYard (shipyard insurance), OnlySport (sports insurance), and OnlyJet (private aviation insurance). Digital service delivery includes an online customer portal, mobile application, and Easy Claim app for health reimbursements. The company serves private clientele, businesses, and professionals across Monaco, France, and internationally.

Differentiator

Problem solved

Functional benefit

Brands

• OnlyHealth: International private medical insurance developed in collaboration with Allianz Partners, offering customized health coverage worldwide.
• OnlyYacht
• OnlyJet
• OnlyHotel
• OnlyMedical
• OnlyResidence
• OnlyYard
• OnlySport
• OnlyCare
• Suisscourtage BET Assurances

Products and services

• Suisscourtage Core Insurance Brokerage Independent international insurance brokerage placing personal, commercial and specialty insurance across a broad panel of carriers including Lloyd's of London; risk analysis, placement strategy, claims management and ongoing market monitoring for individual, professional, and corporate clients in Monaco, France, and internationally.
• OnlyHealth International Private Medical Insurance International first-euro private medical insurance for expatriates and internationally mobile individuals without public healthcare coverage, offered in three plan tiers (Only 1, Only 4, Infinite) with lifetime guarantee, digital claims via the Easy Claim app, multilingual support and cashless access at network providers.
• OnlyCare First-Euro Health Insurance Health insurance solution designed for residents of France and Monaco without social security coverage, providing viager (lifetime) coverage from the first euro, including complementary healthcare benefits.
• OnlyHotel Multi-Risk Hospitality Insurance Multi-risk insurance policy for hotels (2–5 stars), luxury hotels, tourist residences, and restaurants, including a seasonal rental fleet offering (€70–€100 flat-rate tiers by unit size), distributed via industry partnerships (e.g., GNI SUD PACA) and offering top-level coverage at competitive rates through major French insurers.
• OnlyMedical Healthcare Professional Insurance Tailor-made insurance policies for medical and paramedical professionals covering professional civil liability, employee benefits, and protection of medical practices.
• OnlyYacht Marine Insurance Specialized insurance for yachts and maritime vessels serving vessel owners and operators, distributed via the Antibes office and other channels, providing comprehensive protection for yachting assets.
• OnlyResidence Retirement Home Insurance Insurance solutions for EHPAD retirement homes and dependent or autonomous senior living facilities, covering property, resident liability, and employee coverage.
• OnlyYard Naval Shipyard Insurance Insurance coverage for naval shipyard and ship construction / repair activities, addressing the specific liability and operational exposures of shipyard facilities.
• OnlySport Sports Insurance Insurance solutions for sports professionals and athletic organizations covering sport-specific liability and operational risks.
• OnlyJet Private Aviation Insurance Private aviation insurance coverage for private jet owners and operators, addressing aircraft-specific liability and hull exposures.
• Bâti Pro'tect Construction Insurance Construction insurance combining mandatory Dommages-Ouvrage (builder's warranty) and Tous Risques Chantier (all-risk construction) coverage for residential and professional construction and renovation projects, addressing French construction insurance requirements.

Quantifiable outcome

• Access to Lloyd's of London and specialty insurance markets for complex coverage needs
• +2 more outcomes

Named customers8 records

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Eight partnerships are on record, tiered core, major and minor.

• Allianz PartnerscoreStrategic or Co-development PartnerStrategic partnership for the OnlyHealth international private medical insurance product. Allianz Partners provides the insurance backing and global infrastructure while Suisscourtage develops and markets the customized solution targeting expatriates and internationally mobile individuals.
• HennercoreTechnology or IntegrationHealthcare network partnership providing access to over 60,000 screened healthcare providers across 187 countries. Henner's network enables cashless healthcare access for OnlyHealth policyholders with negotiated preferential rates and no advance payment required at network providers.
• COFACEmajorTechnology or IntegrationCredit insurance partnership for protecting professional clients against client insolvency and bad debt. Partnership enables international credit insurance capabilities through COFACE's global network and expertise.
• CCSP (Caisse Complémentaire de Santé et de Prévoyance)coreTechnology or IntegrationHealth insurance management partnership for Monaco residents offering the Genium product with immediate lifetime guarantee, no waiting period, and no health questionnaire. CCSP provides the claims processing and network management for Suisscourtage's Monaco health insurance solutions.
• Lloyd's of LondonmajorTechnology or IntegrationAccess to Lloyd's of London insurance market providing capacity for complex and specialty risks that standard insurers cannot cover. Lloyd's syndicates enable placement of high-value and unusual risks for Suisscourtage's high-net-worth and specialized business clients.
• Multiple Insurance PartnerscoreTechnology or IntegrationPortfolio of insurance carrier partnerships including AG2R, AIG, Albingia, Amlin, Aviva, AXA, CFDP, Chubb, Europe Assistance, GAN, Generali, Groupama, Hiscox, Juridica, Lloyd's, MetLife, Oddobhf, QBE, RSA, SMA BTP, SwissLife, Tokio Marine, XL Group, and Allianz. Diverse insurer panel enables matching client needs with optimal coverage and pricing.
• GNI SUD PACA (Syndicat des Industries de l'Hôtellerie)minorChannel Partner/ Reseller/ DistributorPartnership with the hotel and restaurant industry union for the OnlyHotel product. GNI SUD PACA endorsement provides credibility and distribution access to independent hospitality establishments in the Provence-Alpes-Côte d'Azur region.
• Mondial AssistancemajorTechnology or IntegrationAssistance services partnership for 24/7 emergency and repatriation support. Provides round-the-clock multilingual assistance for travel insurance, OnlyHealth policyholders, and kidnapping & ransom coverage clients.

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Aon France: Global insurance broker and risk advisor with French operations serving corporate and HNW clients. Comparable as an insurance intermediary offering multi-line brokerage, but at much larger scale with broader portfolio.
• Marsh France: Global insurance broker with French operations covering risk management, specialty, and HNW segments. Comparable multi-line brokerage model with international reach, but operates at significantly larger scale.
• Hiscox: Specialty insurer and Lloyd's syndicate with strong HNW personal lines and specialty commercial lines. Comparable as a specialty player serving HNW clients and complex risks, though operating more as carrier than pure broker.

Direct peers

• Howden Group Holdings: Independent international insurance broker with strong specialty lines and HNW / complex-risk capabilities. Comparable as an independent broker model placing business with multiple specialty carriers including Lloyd's of London.
• BMS Group: Independent specialty insurance and reinsurance broker with strong presence in yacht, marine, and high-value asset lines. Comparable specialty-broker model and access to Lloyd's specialty markets for niche risks.
• Verspieren: Independent French insurance broker and risk advisor serving mid-market and enterprise clients across France. Comparable as a French independent broker with multi-line coverage and corporate client focus, similar to Suisscourtage's enterprise motion.
• April Group: Independent French insurance broker specializing in personal and professional lines, including health, protection, and property. Directly comparable as a French-rooted independent broker serving individuals and businesses with multi-specialty capabilities.

Regional players

• CNP Assurances Protection Sociale: Major French life and health insurer with strong individual health and protection products. Adjacent comparable as a French health/protection carrier relevant to OnlyHealth's competitive set in the France/Monaco corridor.
• Monaco Courtage: Monegasque insurance broker serving Monaco residents and businesses with multi-line coverage. Closest regional comparable as a Monaco-headquartered broker with similar local clientele and product mix.

Emerging players

• AssurOne: French digital insurance broker distributing multi-carrier personal and professional lines online. Comparable as a French broker intermediary model targeting individuals and professionals, but with a digital-first rather than advisor-led approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/suisscourtage-assurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries10 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 Suisscourtage