What Zenith Insurance does

Zenith Assurances is a French insurance brokerage (société de courtage en assurances) founded in 1995 and headquartered at 24 rue du Château des Rentiers, Paris. The company is registered with RCS Paris under number 401673967 and with ORIAS under number 07031090, operating under Article L520-1-II b of the French Insurance Code as an independent intermediary between clients and multiple partner insurance companies and mutuals. Its core proposition is serving profiles that standard French insurers reject — drivers resiliated for non-payment, alcohol/drug offenses, license suspension/retraction, or excessive sinistres — alongside standard-risk individual consumers across auto, moto, habitation, santé, emprunteur, vie, décennale, taxi/VTC, and association lines.

The business runs a direct-to-consumer model via the zenithassurances.com website (hosted on OVH infrastructure) with 24/7 online quote generation and a phone hotline (01.45.73.02.74) available six days per week. Pricing examples disclosed on the site start from €10.23/month for habitation, €19.93/month for auto, and €21.13/month for moto, billed monthly on subscription. The firm employs 51-100 staff and generates revenue through commissions from partner insurers for policies placed through the platform — no underwriting balance sheet, no disclosed ARR, no VC/PE backing, and no parent company. Reported customer satisfaction stands at 4.6/5 across 1,161 reviews on the desktop site and 9.3/10 across 830 evaluations on the mobile version.

Strategically, the company has executed a horizontal product-broadening move over time, expanding from a likely auto/moto origin into a full multi-line P&C and personal-lines brokerage, plus a vertical specialization in non-standard/high-risk auto insurance that most French insurers avoid. The technology stack is conventional — a web-based comparison and e-subscription front-end with no public API, no proprietary AI/ML, and no disclosed integrations — placing the firm firmly in the traditional broker category rather than the insurtech category.

Name

Zenith Insurance

Legal name

Zénith assurance

Website

https://zenithassurances.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

Zenith Assurances is a French independent insurance brokerage (courtier) founded in 1995, serving individual consumers and SMBs across auto, moto, habitation, santé, décennale, and life insurance, with a specialization in high-risk and resiliated drivers that standard French insurers decline.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker (courtier en assurances) regulated under Article L520-1-II b of the French Insurance Code, Zenith Assurances earns commissions from insurance companies and mutual funds for policies placed through their platform. They work with partner insurers and mutual organizations from their product catalog.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Zenith Assurances is a French insurance brokerage (courtier en assurances) that compares, distributes, and subscribes insurance products on behalf of multiple partner insurers and mutual funds. It offers auto, motorcycle, home, health, life, loan, professional liability, and specialty insurance through a digital comparison platform and phone advisory, with particular specialization in high-risk and previously resiliated profiles. Revenue is generated through commissions earned from the partner insurance companies and mutuals for policies placed via the platform.

Product overview

Zenith Assurances is a French insurance brokerage company offering a comprehensive portfolio of insurance and mutual health products through a digital comparison and brokerage platform. The core offering includes automobile, motorcycle, home, health, professional liability, and life insurance. The platform specializes in serving difficult-to-insure profiles including drivers with malus, those resiliated for non-payment, alcohol/drug incidents, or license issues. Key products include multi-risk home insurance, ten-year professional liability (décennale) for construction professionals, complementary health insurance with no medical selection, loan insurance with annual resiliation rights, and various specialized coverages for taxis, VTCs, camping-cars, and associations. The company operates as an insurance broker (courtier en assurances), regulated by ORIAS under the French insurance code.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Automobile (Car Insurance)
• Assurance Moto (Motorcycle Insurance) Insurance for motorcycles, scooters, cyclos, and 2-wheel vehicles covering all driver profiles, including those with bonus/malus or previously resiliated. Example quote: Harley Davidson Sportster 1200 cm3 Custom, bonus 0.50, third-party + assistance + driver protection, Savigny sur Orge (91600), from €21.13/month TTC.
• Assurance Habitation (Home Insurance)
• Mutuelle Santé (Complementary Health Insurance) Complementary health insurance for retirees, self-employed workers, companies, and families. Differentiators include no medical selection regardless of age, immediate guarantees with no waiting period, tiers-payant, and 24/24h assistance.
• Assurance Emprunteur (Loan Insurance)
• Assurance Décennale (10-Year Professional Liability) Ten-year professional liability insurance (RC Décennale) for construction artisans, sociétés, auto-entrepreneurs, and other building professionals, including those previously resiliated by other insurers.
• Assurance Vie (Life and Savings Insurance) Life insurance and savings product providing financial protection for loved ones, retirement planning, and investment growth.
• Assurance Professionnelle (Business Insurance) Professional business insurance for companies and self-employed workers, covering various risks associated with commercial activities.
• Assurances Temporaires (Temporary Insurance) Short-term insurance coverage for automobiles, homes, or life for periods ranging from 1 to 90 days.
• Assurance Taxi/VTC Specialized auto insurance for taxi and VTC (ride-hailing) drivers with coverage specific to professional passenger-transport activity.
• Assurance Camping-Car (Motorhome Insurance) Insurance coverage for motorhomes and recreational vehicles.
• Assurance Voiturette (Small Vehicle Insurance) Insurance for voiturettes (small vehicles) typically requiring an AM (formerly BSR) license.
• Mutuelle Entreprise (Corporate Health Insurance) Group complementary health insurance plans for businesses and companies.
• Mutuelle Indépendant (Self-Employed Health Insurance) Complementary health insurance specifically designed for self-employed individuals and freelancers (Travailleurs Non Salariés).
• Assurance Obsèque (Funeral Insurance) Funeral expense insurance providing financial coverage for end-of-life arrangements.
• Dommages Ouvrages (Structural Damage Insurance) Structural damage insurance (dommages ouvrages) for construction projects, typically required for building work.
• Assurance Animaux (Pet Insurance) Insurance coverage for domestic animals.
• Assurance Association Insurance coverage specifically designed for associations and non-profit organizations.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Partner Insurance Companies and MutualscoreChannel Partner/ Reseller/ DistributorZenith Assurances operates as an intermediary (courtier) working with multiple insurance companies and mutual funds from their product catalog. The company is mandated by clients to select the most appropriate guarantees from partner insurers in complete independence, as per Article L520-1-II b of the French Insurance Code. Partner insurer names can be obtained upon request.
• OVHminorOthersOVH serves as the web hosting provider for zenithassurances.com. OVH is a French SAS with capital of 10,069,020 euros, headquartered at 2 rue Kellermann, 59100 Roubaix, France.

Scale indicators2 records

Recent moves1 record

Expansion highlights3 records

Market position

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/france_zenith
• Facebookfacebook.com/AssuranceZenith
• LinkedInlinkedin.com/company/zenithassurance

Revenue estimate

Valuation estimate

Number of profiles

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 Zenith Insurance