ECA Assurances

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.

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

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

• Wholesale insurance broker
• Health insurance
• Auto insurance
• Home insurance
• Pet insurance

Headquarters

HQ city

Clichy

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Groupe FINAREcoreStrategic or Co-development PartnerECA 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

Direct 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

• Xx.com/ECAAssurances
• Facebookfacebook.com/ECA.Assurances
• LinkedInlinkedin.com/company/eca-assurances

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 ECA Assurances