Branchet

What Branchet does

Branchet (legal entity SAS FRANCOIS BRANCHET) is a French insurance brokerage (courtier en assurance) operating since approximately 1993 and headquartered at 35 avenue du Granier, Meylan (Grenoble), France. The firm exclusively serves self-employed (liberal) physicians in France, distributing professional liability insurance (RC Professionnelle) and complementary insurance products (prévoyance, multirisque professionnelle, RCP for SEL/SCP medical practice companies, PER retirement savings, prêt/loan insurance, and cyber-risk insurance) through a registered broker model. The principal carrier is Berkshire Hathaway European Insurance Limited, which represented over 33% of 2024 turnover, alongside BHIIL, Abeille Assurances, CFDP, CNA Hardy, WRB and HISCOX; the firm holds ORIAS registration 07 029 059 and operates under ACPR prudential supervision. Branchet is structured as an SAS with €500,000 share capital and reports 11–50 employees, serving approximately 8,000 practitioners across all French medical specialties including anesthesia-reanimation, orthopaedic and plastic surgery, gynecology-obstetrics, cardiology, ophthalmology, psychiatry and radiology.

The offering is anchored on a core RC Professionnelle underwritten principally by Berkshire Hathaway, bundled with a 24/7 medico-legal/psychological/infectiological/cyber assistance hotline (04 85 85 85 85), specialty-matched assistants-conseil, a dedicated infectiology pole of ~10 infectiologists led by Dr Olivier Leroy, and a network of 30+ exclusive specialised medical-law lawyers. The firm operates a proprietary online subscription extranet (extranet.branchet.fr) that allows certain specialties to obtain a tariff estimate, complete the underwriting questionnaire and subscribe online by carte bancaire for year one. The wholly-owned subsidiary Branchet Solutions (branchetsolutions.fr) extends the platform with Branchet Training, Branchet Docs (fiches d'information pré-opératoire), a 24/7 assistance service and the "Pack Infectio" written expert opinion, integrated into the first échéance of the policy package. Branchet also produces an annual proprietary risk-mapping publication, the Cartographie des risques opératoires, which is built on decades of accumulated claims data and is used as thought-leadership IP. Distribution combines direct phone/online sales with partner-mediated routes via medical specialty societies (SYNGOF, UCDF, CREGG, AGOF, ASSPRO, FONDAPRO) and a touring AI-equipped mobile simulation centre ("Facteur Humain et IA") launched in 2025 for patient-safety and human-factors training. Revenue is generated primarily through brokerage commissions on premiums, complemented by subscription-style bundling of Branchet Solutions services and PERIN retirement-plan distribution with 0% entry fees for RCP clients.

Name

Branchet

Legal name

SAS FRANCOIS BRANCHET

Website

https://branchet.fr

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Branchet is a French insurance brokerage (SAS FRANCOIS BRANCHET, Meylan) that distributes professional liability and complementary insurance exclusively to self-employed French physicians, serving approximately 8,000 practitioners across all medical specialties with bundled medico-legal assistance, training and a proprietary risk-mapping publication.

Ownership category

akta.pro rank

Product category

Insurance Brokerage — Medical Professional Liability

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Professional liability insurance
• Physician insurance brokerage
• Medical practice insurance
• Income protection insurance
• Cyber risk insurance

Headquarters

HQ city

Meylan

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions on premiums: Primary revenue stream. As a registered insurance broker (courtier), Branchet earns commissions included in the insurance premium, working with carriers such as Berkshire Hathaway European Insurance Limited (over 33% of 2024 turnover), BHIIL, Abeille Assurances, CFDP, CNA Hardy, WRB and HISCOX. Recurring annual premiums with monthly or annual billing and a Madelin tax-deductible structure for prévoyance/RCP.
2. Branchet Solutions value-added services pack: Bundled recurring services (medical/medico-legal training, documentation, 24/7 assistance, podcasts, interviews) sold as part of the overall policy package (Asspro, Branchet Solutions integrated into first échéance).
3. Retirement savings / PER plans: Distribution of Plan Épargne Retraite Individuel (PERIN) contracts with 0% entry fees (frais de versement) for Branchet clients, recurring contributions, with tax-deductible cotisations.
4. Prévoyance / protection sociale commissions: Commission on death/disability/invalidity and daily-indemnity prévoyance contracts (incapacité, invalidité, décès) including Madelin-deductible premiums and optional psychological-disorder / burn-out coverage.
5. Multirisque professionnelle and Cyber insurance commissions: Commissions on multirisque professional (premises, equipment, financial loss, RC exploitation, legal protection) and dedicated cyber-risk insurance for medical practices.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels10 records

Core offering

Branchet is a French insurance brokerage (SAS FRANCOIS BRANCHET) specializing in professional liability (RC Professionnelle) and complementary insurance products — prévoyance, multirisque professionnelle, RCP SEL/SCP, retirement savings (PERIN), loan insurance, and cyber insurance — for self-employed (liberal) physicians across all medical specialties in France. The brokerage distributes insurance underwritten by carriers such as Berkshire Hathaway European Insurance Limited and delivers value-added services through its subsidiary Branchet Solutions (24/7 medico-legal, infectiology, psychological and cyber assistance, training, and risk analytics via the annual Cartographie des risques opératoires).

Product overview

Branchet is a French insurance brokerage (cabinet de courtage, SAS François Branchet) that operates as a multi-product insurance platform targeting exclusively self-employed (liberal) physicians. Its offering is built around a core Professional Civil Liability insurance (RC Professionnelle) for medical practice, distributed under the brand Branchet, with a portfolio of complementary modules: Prévoyance (income protection/death/disability), Multirisque Professionnelle (premises and equipment), RCP SEL/SCP (mandatory liability for medical practice companies), Plan Épargne Retraite (PER), Assurance de prêt, and Assurance Risque Cyber. The core liability and assistance services are extended by a sub-brand and subsidiary, Branchet Solutions (branchetsolutions.fr), which delivers training (Branchet Training), 24/7 medico-legal/psychological/infectiology/cyber assistance, and the "Pack Branchet Solutions" bundled services. Customers can subscribe to the core RC Professionnelle via a 100%-digital self-service pathway (extranet.branchet.fr) for certain specialties. Associated partner entities Asspro (risk-prevention association) and Fondapro (foundation) extend the ecosystem for risk-prevention content and pre-operative information leaflets. Insurer partners include Berkshire Hathaway European Insurance Limited (33%+ of 2024 revenue), plus BHIIL, BHEI, Abeille Assurances, CFDP, CNA Hardy, WRB, and Hiscox.

Differentiator

Problem solved

Functional benefit

Brands

• Branchet Solutions: Branchet's subsidiary offering specialized content, targeted training, optimized risk management and tailored assistance services to physicians.

Products and services

• RC Professionnelle (Responsabilité Civile Professionnelle médicale) Professional Civil Liability insurance for self-employed (liberal) physicians covering damages to third parties arising from medical practice. Includes 24/7 medico-legal assistance, defense by specialty-specific medical advisors and 30+ specialized medical-law attorneys, replacement-physician coverage, and legal protection. Underwritten by Berkshire Hathaway European Insurance Limited.
• Prévoyance (incapacité, invalidité, décès)

Quantifiable outcome

• 80% of dossiers closed without responsibility/indemnity paid to patients
• +3 more outcomes

Named customers13 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature5 records

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: Top-tier French insurer offering RC Professionnelle, prévoyance, multipro and cyber for healthcare professionals and other professions; competes with Branchet as a broad incumbent rather than a specialty player.
• Allianz France: Major French generalist insurer offering professional liability, prévoyance and multipro to liberal professionals including physicians; overlaps with Branchet's product set but at much broader scale across all professions and geographies.
• GMF (Covéa): Major French mutual insurer under the Covéa group (with MAAF and MMA), offering professional liability and prévoyance to a broad professional base including physicians; comparable product overlap but a much larger generalist footprint.
• Harmonie Mutuelle (AÉSIO mutuelle): Major French health-insurance mutual (AÉSIO group) covering health, prévoyance and professional liability for both individual professionals and healthcare structures; competes with Branchet at the multipro / prévoyance layer for the same healthcare audience.

Direct peers

• La Médicale de France (Crédit Agricole Assurances): Specialist insurer of French private-practice physicians, owned by Crédit Agricole Assurances; competes head-on with Branchet on RC Professionnelle and prévoyance for the same liberal-physician customer base.
• MACSF (Maison d'Assurance des Carrières de la Santé et des Fonctionnaires): Dominant French mutual insurer dedicated to healthcare professionals, directly competing with Branchet on RC Professionnelle for French liberal physicians and offering prévoyance, multipro and retirement products across the same customer base.
• CEGEMA Assurance (formerly Cabinet Expertise Gestion Management Assurance): French specialist insurance broker dedicated to medical and paramedical professionals, distributing RC Professionnelle, prévoyance and related covers; comparable niche broker model focused on the same liberal-physician target market as Branchet.
• SPVIE Assurances (now Harmonie Mutuelle / AÉSIO group): Specialist French insurance broker for health professionals, offering RC Professionnelle and prévoyance to liberal practitioners; directly comparable business model to Branchet as a niche broker in the same vertical.

Regional players

• SMACL Assurances: French mutual insurer focused on local public-sector agents and their professional liability / prévoyance needs; comparable product offering (RCP, protection juridique) but addresses a different customer segment (public sector vs. liberal physicians).

Emerging players

• Risques & Sérénité: Smaller French specialist broker focused on insurance and prévoyance for healthcare professionals; comparable niche-broker approach but with smaller scale and less developed multi-product platform than Branchet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BranchetFrance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Branchet