ECA Assurances
ECA Assurances is a French wholesale insurance broker designing, distributing, and managing multi-line insurance products — health, auto, home, and pet — for individuals, self-employed professionals, and businesses through broker networks and direct digital platforms. Subsidiary of Groupe FINARE.
- Company typePrivate
- Founded1995
- HeadquartersClichy, France
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What ECA Assurances does
ECA Assurances is a French wholesale insurance broker (courtier grossiste) founded in 1995 and headquartered in Clichy, operating as a subsidiary of the diversified conglomerate Groupe FINARE. The company designs, distributes, and manages insurance products across health, auto, habitation, and pet lines for individuals, self-employed professionals (TNS), and businesses in France, operating under multiple brands: ECA Particuliers (retail), ECA Partenaires (broker distribution platform), Selfassurance (direct-to-consumer digital brand), and Selfepargne (savings and investment). It has been ranked among France's Top 10 wholesale brokers since 2013 and has held Label d'Excellence awards from Les Dossiers de l'Épargne for its habitation product in 2017 and 2019. The company is rebranding to Heomi effective January 5, 2026, while preserving contracts, guarantees, and reimbursement flows.
The company runs an integrated insurance platform combining proprietary digital channels — a broker-facing portal (courtage.eca-partenaires.com), direct-to-consumer Selfassurance platforms for online quote and subscription, a mobile application, and an internally developed GDPR/DDA-compliant electronic signature solution — with a wholesale broker distribution network. Operational integration includes third-party payment (tiers payant) via the Almerys network, enabling direct healthcare-claim teletransmission to the French Sécurité sociale and faster reimbursement cycles for policyholders. The portfolio spans specialty segments including senior health (Santé des Seniors, Capital Vitalité Senior), high-risk auto (risques aggravés, malussés), and pet insurance (Chien, Chat, NAC), with multi-formula product structures (e.g., 4 formulas and 8 options on habitation).
ECA generates revenue through commissions on insurance premiums distributed through its broker network and direct platforms, operating as a wholesale broker under category 'b' of Article L.521-2 of the French Insurance Code. Pricing is custom and risk-based with annual billing cadence, and the company is regulated by ACPR and registered with ORIAS (No. 07 002 344). The business is structured as a SAS with share capital of €1,018,584, registered in Nanterre, with no public listing or external investor ownership signals; ownership remains entirely within the FINARE group structure.
ECA Assurances firmographics
Firmographics- Name
- ECA Assurances
- Legal name
- ECA-Assurances
- Website
- https://eca-assurances.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- ECA Assurances is a French wholesale insurance broker designing, distributing, and managing multi-line insurance products — health, auto, home, and pet — for individuals, self-employed professionals, and businesses through broker networks and direct digital platforms. Subsidiary of Groupe FINARE.
- Ownership category
- akta.pro rank
ECA Assurances industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
Keywords
Where ECA Assurances is headquartered
LocationHeadquarters
- HQ city
- Clichy
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
ECA Assurances business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Premiums (Brokerage): ECA Assurances operates as a wholesale insurance broker (courtier grossiste category b per Article L.521-2 of the Insurance Code), earning commissions on insurance policies distributed through its broker network and direct platforms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom pricing based on individual risk assessment |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
ECA Assurances product offering
Product offeringCore offering
ECA Assurances is a French wholesale insurance broker (courtier grossiste, category b under Article L.521-2) that designs, underwrites on behalf of insurer partners, and distributes personal lines insurance products — health (mutuelle), auto, habitation, and pet insurance — to individuals in France. It also offers savings/life products through Selfepargne, reaching customers via a partner broker network (ECA Partenaires) and direct digital channels (Selfassurance).
Product overview
ECA Assurances is a wholesale insurance broker and managing general agent founded in 1995, operating as part of the FINARE Group. The company offers a comprehensive portfolio of insurance products under multiple brands: ECA Particuliers (retail), Selfassurance (online), and ECA Partenaires (broker platform). The core product categories include: health insurance (Santé des Seniors, Santé des Actifs), auto insurance (Standard, Risques Aggravés, Malussés), home insurance (Assurance Habitation/HABITAT ASSUR), and pet insurance (Santé Chien, Santé Chat, NAC). The Selfassurance sub-brand distributes innovative products online, while ECA Partenaires serves the broker distribution network. Notable products include Capital Vitalité Senior, Insurospi, Insuraxi, and Activ' Plus. The company manages contracts and claims in-house in France and offers integrated digital services including a mobile application and customer portal.
Differentiator
Problem solved
Functional benefit
Brands
- ECA Particuliers: Brand focused on individual/consumer insurance products for households.
- ECA Partenaires
- Selfassurance
- Selfepargne
Products and services
- Health insurance (Mutuelle Santé)
Quantifiable outcome
- 4.3/5 average customer satisfaction (1,619 reviews for health products)
- +1 more outcomes
Companies that use ECA Assurances
Customer profileSegments3 records
Ideal customer profiles2 records
ECA Assurances technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
ECA Assurances partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Groupe FINAREcoreECA Assurances is a subsidiary of Groupe FINARE, founded in 1995. FINARE organizes its activities around 4 poles: insurance, client relations, wealth management, and digital strategy. FINARE coordinates activities across its subsidiaries for optimized synergies.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
ECA Assurances competitors and assessment
Company assessmentDirect peers
- CEGEMA: CEGEMA is a French insurance broker and MGA focused on designing niche and specialized insurance products for individuals and professionals, similar to ECA Assurances' positioning around TNS and specialized populations.
- Solly Azar: Solly Azar is a French wholesale insurance broker (courtier grossiste) distributing personal lines (auto, home, health, pet) through a broker network, comparable to ECA Assurances in structure, scale, and go-to-market.
- April Group: April is a major French wholesale insurance broker and MGA distributing personal and commercial lines through partner networks and direct channels. It is the closest scale comparable to ECA Assurances' courtier grossiste model.
- SPB (SPB Assurances): SPB is a French insurance broker (brokerage and affinity distribution) that designs, distributes, and manages affinity insurance programs including health, auto, home and pet — directly mirroring ECA Assurances' product set and broker-plus-direct distribution approach.
Broad incumbents
- Albingia: Albingia is a French specialty insurer and MGA providing niche P&C and professional liability coverages via broker networks. Like ECA Assurances it leverages brokerage distribution but operates with a stronger underwriting/affinity mandate.
- Verspieren: Verspieren is one of France's largest independent insurance brokerages, serving individuals, professionals, and enterprises across P&C, health, and benefits. It is broader and larger than ECA but operates in the same French intermediation market.
Others
- Almerys (third-party payment network): Almerys is a French third-party healthcare payment network that ECA Assurances already integrates with for direct settlement. As a partner/enabler in the claims value chain, it is a relevant ecosystem comparable rather than a competitor.
- Groupe FINARE (parent): FINARE is the diversified parent conglomerate operating four activity poles (insurance, client relations, wealth management, digital strategy). As parent, it is the structural ecosystem around ECA Assurances/Heomi rather than a peer in distribution.
Emerging players
- Hyperassur: Hyperassur is a French online insurance comparison and brokerage platform distributing auto, home, and health contracts. It competes with ECA's Selfassurance digital channel for the same direct-to-consumer customer.
- Assureurs en France (sous-format courtier en ligne) / Luko: Luko is a French digital-first insurtech focused on home insurance with embedded smart-home pricing, competing with ECA's Selfassurance habitation offering by emphasizing fully online subscription and a modern brand experience.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ECA Assurances social profiles
Digital presenceECA Assurances compliance and trust
Trust signalCompliance4 records
ECA Assurances financial estimates
Financial estimateRevenue estimate
Valuation estimate
ECA Assurances leadership team
Management profileNumber of profiles
ECA Assurances subsidiaries and ownership
Company hierarchySubsidiaries3 records
ECA Assurances funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ECA Assurances M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ECA Assurances
What does ECA Assurances do?
ECA Assurances is a French wholesale insurance broker (courtier grossiste, category b under Article L.521-2) that designs, underwrites on behalf of insurer partners, and distributes personal lines insurance products — health (mutuelle), auto, habitation, and pet insurance — to individuals in France. It also offers savings/life products through Selfepargne, reaching customers via a partner broker network (ECA Partenaires) and direct digital channels (Selfassurance).
Is ECA Assurances a public or private company?
ECA Assurances is a private company. It is classified as corporate owned and is currently operating.
When was ECA Assurances founded?
ECA Assurances was founded in 1995. It employs 251 to 500 people.
Where is ECA Assurances based?
ECA Assurances is headquartered in Clichy, France, in the Europe region.
How does ECA Assurances make money?
One revenue line is on record: insurance Premiums (Brokerage).
Who are ECA Assurances's main competitors?
Direct peers on record are CEGEMA, Solly Azar, April Group and SPB (SPB Assurances). Broad incumbents are Albingia and Verspieren. Others are Almerys (third-party payment network) and Groupe FINARE (parent). Emerging players are Hyperassur and Assureurs en France (sous-format courtier en ligne) / Luko.
Does ECA Assurances have an API?
No public API is recorded for ECA Assurances.
What industry is ECA Assurances in?
ECA Assurances's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAD, Wholesale Insurance Brokerage (Excess & Surplus Lines). Its NAICS code is 524210 and its SIC code is 6411.