What ASSURSAFE does

ASSURSAFE is a French insurance broker (SAS, RCS Lyon 881 397 954) specialized in construction and real estate insurance, headquartered in Lyon with a Paris office. The company is registered with ORIAS (n°20002720) and supervised by the ACPR, operating with delegated underwriting authority from first-tier French insurance carriers. Its product portfolio is organized around Dommages-Ouvrage (mandatory under the 1978 loi Spinetta) — with variants for individual homeowners, PIB clients, property developers, property traders (marchands de biens), building managers (syndic), and public project owners — alongside RC Pro et Décennale (including a photovoltaic-specific variant), RC Professions de l'Immobilier, PNO (non-occupant landlord), Multirisque Immeuble and Habitation, and Garantie des Loyers Impayés. Target customers are individuals, building and real estate professionals, property managers, public-sector project owners, and intermediary brokers.

The technology layer is a digital brokerage platform consisting of two proprietary online tariff calculators (Tarificateur DO Construction at tarification.assursafe.fr/newdo and Tarificateur RCD at tarification.assursafe.fr/rcd) that handle multi-step quoting, subscriber intake, and contract pricing, plus a partner space and the La Bonne Adresse directory of vetted construction professionals and mortgage brokers. All subscription flows are 100% digitalized, with electronic signatures and a 48-hour maximum quote turnaround as a stated SLA. The platform is workflow digitization rather than AI-driven underwriting.

ASSURSAFE earns commission on placed policies (subscription/recurring revenue model), with pricing typically set at 1–3% of total construction cost for Dommages-Ouvrage and customized for RC Décennale based on profession, turnover, and risk profile. Distribution is hybrid: direct-to-consumer through the website and inside-sales lines in Lyon (+33 4 65 84 55 70) and Paris (+33 1 87 44 32 43), and a partner channel for insurance brokers, agents, credit brokers, and business introducers who use the partner portal and pricing tools. Marketing is primarily content- and SEO-driven via an active blog covering insurance requirements, supplemented by Google reviews and direct contact forms.

Name

ASSURSAFE

Legal name

ASSURSAFE

Website

https://assursafe.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Construction and Real Estate Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Construction insurance brokerage
• Dommages-ouvrage insurance
• Professional liability insurance
• Real estate insurance
• Decennial liability coverage

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: ASSURSAFE operates as an insurance broker earning commissions from insurance companies for placing policies with clients. They work with first-tier insurance companies and are delegated underwriting authority by insurers.
2. Insurance Premium Pricing: The company structures and prices insurance premiums for construction and real estate insurance products, earning revenue through brokerage commissions on placed policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

ASSURSAFE is a French insurance broker specializing in construction and real estate insurance, distributing Dommages-Ouvrage, RC Pro et Décennale (including photovoltaic variants), PNO, Multirisque, and Garantie des Loyers Impayés products. The company sells these through a 100% digitalized subscription process with online quotes delivered within 48 hours, leveraging delegated underwriting authority from first-tier French insurers to serve individuals, building and real-estate professionals, partner intermediaries, and public project owners.

Product overview

ASSURSAFE is a specialized insurance broker offering a portfolio of construction and real estate insurance products, primarily targeting individual homeowners, construction professionals, property managers, and public project owners. The core offering revolves around Dommages-Ouvrage (mandatory construction insurance) with variants for individual homes, developers, property traders, building managers, and public owners. Adjacent to this, the company offers RC Pro et Décennale (professional and ten-year liability) including a specialized photovoltaic variant, PNO (non-occupant landlord), Multirisque (multi-risk building and home), and Garantie des Loyers Impayés (rent guarantee). The digital offering includes two online quoting platforms — the DO Construction Tarificator and RCD Tarificator — as well as La Bonne Adresse, a partner directory connecting clients with vetted construction professionals and mortgage brokers. All products are supported by a 100% digitized subscription process with electronic signatures.

Differentiator

Problem solved

Functional benefit

Brands

• La Bonne Adresse: A directory service connecting customers with qualified professional partners including construction companies, craftsmen, and financial brokers.

Products and services

• Dommages-Ouvrage Maison Individuelle Mandatory insurance for individual homeowners covering construction or major renovation projects, providing rapid compensation for structural defects without waiting for liability determinations. Targeted at individuals building or renovating a primary or secondary residence.
• Dommages-Ouvrage Maison Individuelle PIB Dommages-Ouvrage variant tailored for PSI (Persons in Professional Activity / Professions Immobilières et du Bâtiment) clients who require individual home construction coverage as part of their professional activity.
• DO Construction Promoteurs Dommages-Ouvrage insurance designed for property developers underwriting new construction programs. Tailored to the multi-project structures typical of promoter activity.
• DO Marchands de Biens Dommages-Ouvrage insurance for property traders who buy, renovate, and resell real estate assets. Designed for short-hold renovation-and-resale programs.
• DO Syndic Dommages-Ouvrage coverage for building management (syndic) professionals managing residential or commercial co-owned properties.
• DO Maître d'Ouvrage Public Dommages-Ouvrage insurance for public project owners including municipalities, mixed-economy companies (SEM), public institutions, schools, and care homes (EHPADs).
• RC Pro et Décennale Professional and ten-year liability insurance for construction professionals, covering damages that may engage their responsibility during or after works. Custom-tailored per building professional profile.
• RC Pro et Décennale Photovoltaïque Specialized ten-year liability insurance for solar/photovoltaic installation professionals, covering risks specific to panel mounting, roof penetration, and electrical connections.
• RC Professions de l'Immobilier Professional liability insurance for real estate industry professions including property managers, notaries, and estate agents.
• RC Marchands de Biens Professional liability insurance for property traders covering their renovation and resale activities.
• PNO Groupe Group landlord insurance (Propriétaire Non-Occupant) for property owners renting out residential units, with online enrollment and premium payment management.
• PNO Marchands des Biens Landlord insurance tailored for property traders covering rental portfolios associated with their trading activities.
• Multirisque Immeuble Syndic Multi-risk building insurance for co-owned properties managed by professional or volunteer building managers, covering common areas, structure, and liability.
• Multirisque Habitation Groupe Group multi-risk home insurance covering multiple residential units, complementing individual home coverage for landlords and managers.
• Garantie des Loyers Impayés Groupe Group rent guarantee insurance protecting landlords against unpaid rent, with online membership management and quality claims handling.
• Tarificateur DO Construction Digital underwriting platform enabling online quote requests for Dommages-Ouvrage insurance, with a multi-step process covering subscriber information, construction project details, pricing, and additional information.
• Tarificateur RCD Online quote platform for RC Pro et Décennale insurance products accessible to partners and clients.
• La Bonne Adresse Partner directory platform connecting clients with vetted construction and real estate professionals (roofers, tilers, general contractors, property managers) and providing mortgage broker referral service.

Quantifiable outcome

• Quotes delivered within 48 hours maximum
• +2 more outcomes

Named customers4 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

Feature3 records

Partnerships

One partnership is on record.

• Insurance Companies (Unnamed)coreStrategic or Co-development PartnerASSURSAFE works with first-tier (compagnies de premier rang) recognized insurance companies and is delegated underwriting authority for policy subscription. The company refuses to work with 'exotic' or offshore insurers, focusing on established carriers. Partner list is available in the Fiche d'Informations Légales (FIL) on their website.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Leocare: French digital insurance broker with a mobile-first distribution model across personal and professional lines. Comparable to ASSURSAFE as a French insurtech-enabled broker selling speed and convenience over traditional intermediaries.
• Acheel: French digital-first insurance broker offering online subscription for personal and professional lines. Shares ASSURSAFE's digital-first brokerage model targeting underserved niches of France's traditionally intermediated insurance market.
• Coverty: French digital insurance broker focused on small businesses and professionals — overlapping with ASSURSAFE's professional segment around speed of subscription, online quotation, and tailored coverage.

Broad incumbents

• Marsh France: French operation of a global insurance broker with a strong construction and engineering practice. Competes for large real estate developers and corporate clients that overlap with the upper end of ASSURSAFE's product range.
• Verspieren: Large independent French insurance and reinsurance broker with a strong construction and real estate practice. Competes with ASSURSAFE in Dommages-Ouvrage and RC Décennale but with broader product breadth and group-level resources.
• Siaci Saint-Honoré: Major French insurance broker serving large enterprises across risk and insurance advisory, including construction and real estate clients. Overlaps with ASSURSAFE on construction insurance but at significantly larger customer scale.
• Aon France: French arm of global insurance broker with a deep real estate and construction sector presence. Significant overlap with ASSURSAFE in Dommages-Ouvrage and RC Décennale placements for commercial and corporate clients.
• April: One of France's largest insurance brokers, offering a broad portfolio that includes personal lines, professional lines, and construction insurance including Dommages-Ouvrage. Significantly larger scale and multi-channel distribution versus ASSURSAFE's focused niche GTM.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/assursafe-construction-immobilier

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 ASSURSAFE