Assurinco

What Assurinco does

Assurinco is a French insurance brokerage (courtier) operating as the commercial brand of SARL Cabinet Chaubet Courtage, headquartered in Toulouse with additional commercial offices in Paris and Lyon and a national delegate network. Founded in 1992 (with the Assurinco brand created in 2013) and family-owned by the Chaubet family, the firm intermediates €60M in annual insurance premiums across six specialty verticals — Tourism, Real Estate, Construction, Enterprise, Collective employee benefits, and Credit — serving mid-market professional clients such as tour operators, property administrators, real estate promoters, and construction firms, plus a 2024-launched consumer GLI (unpaid-rent insurance) line for individual landlords. The firm is regulated as an ORIAS-registered broker (07 001 894) under ACPR supervision and holds specialist authorization from the Chambre des Notaires for Garantie Financière d'Achèvement.

The underlying technology stack is a brokerage platform with a professional client extranet (extranet.cabinetchaubet.com), web services and white-label site options for partner agencies, and dedicated self-service estimator subdomains for Dommage Ouvrage (dommage-ouvrage.assurinco.com) and GFA (gfa.assurinco.com), including a digital "Compte Centralisateur" workflow. A digitalized loan-insurance delegation process supports the Assurinco Crédit line, and the standalone GLI consumer product is distributed via a white-label partnership with Groupe Solly Azar on glica.sollyazarpro.com. Hosting runs on OVH infrastructure; no public API, SDK or AI/ML capabilities are disclosed.

Assurinco's business model is commission-based brokerage: it places premiums with multiple carrier partners ("Ne dépendre d'aucun assureur") and earns transaction fees, plus recurring managed-services revenue from ongoing administration of GFA, dommage ouvrage and collective (Santé/Prévoyance/Retraite) schemes. Pricing is quote-based for B2B lines; the individual GLI product is the only one with publicly disclosed pricing components (€25 dossier certification fee, capped monthly rent coverage). GTM is a hybrid of enterprise field sales (3 regional offices, 6 commercial delegates, dedicated phone lines per vertical) and inbound inside-sales via the website and online estimators. The firm employs ~70 collaborators, ranks Top 30 nationally among ~14,000 French brokers (27th of 23,260 per L'Argus de l'Assurance, 31/12/2018), and publicly commits to a 95% indemnification rate with 5 working-day claims processing.

Name

Assurinco

Legal name

SARL Cabinet Chaubet Courtage

Website

https://assurinco.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Assurinco is a French multi-vertical insurance brokerage (Top 30 nationally) intermediating €60M in annual premiums across tourism, real estate, construction, enterprise, collective, and credit lines for mid-market professional clients and individual landlords.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Insurance brokerage services
• Professional liability insurance
• Construction insurance programs
• Collective employee benefits
• Loan insurance intermediation

Headquarters

HQ city

Toulouse

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions on premiums: Assurinco operates as a courtier (broker) intermediating between clients and insurance companies, earning commissions on the 60M€ of premiums placed annually with partner insurers across tourism, real estate, construction, enterprise, and collective lines.
2. Loan brokerage (assurance de prêts and crédit intermediation): Intermediation with French and European banks and financial institutions for personal/professional loans and associated insurance products. Revenue from bank commissions and insurance placement.
3. GLI (Garantie Loyers Impayés) fees and certification revenue: Per-application tenant dossier certification fee (€25) plus commissions on individual landlord unpaid-rent insurance policies distributed via Solly Azar.
4. Management and ongoing servicing of insurance contracts: Recurring management of GFA, dommage ouvrage, and ongoing collective (health/prévoyance/retraite) schemes for clients, including renewals, claims management, and administrative services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Assurinco is a French insurance brokerage (courtier) intermediating between clients and multiple insurer partners across six specialty verticals: tourism, real estate, construction, enterprise, collective employee benefits, and loans/credit. The firm earns commissions by placing approximately 60 million EUR of annual premiums with partner insurers, providing tailored multi-risk programs, mandatory coverages (RC décennale, dommage ouvrage, GFA), and ongoing contract management. It also offers a standalone consumer GLI (unpaid rent) product underwritten with Groupe Solly Azar.

Product overview

Assurinco is a French insurance brokerage (courtier) marketed as the commercial brand of SARL Cabinet Chaubet Courtage, organised as a single integrated brokerage platform plus six specialty insurance lines delivered as modules rather than as separate products. The platform connects clients to multiple insurer partners via web services, extranet and dedicated sites. Its portfolio comprises Assurance Tourisme (with Protection de vos clients, Protection de votre agence and Protection du dirigeant modules), Assurance Immobilier (Multirisque Immeubles/Bureaux, Loyers Impayés, Protection juridique, DO Syndic, Garantie des revenus, Charges impayées and Autres garanties), Assurance Construction (Responsabilité civile et décennale, BTP décennale hors décennale, Responsabilité civile promoteur et maître d'ouvrage, Dommage ouvrage, Tous risques chantier, Garantie financière d'achèvement, Protection des biens, Protection flotte and Protection dirigeant), Assurance Entreprise (Protection de votre activité, Protection des biens, Protection flotte ou transports and Protection dirigeant), Assurance Collective (Santé, Prévoyance, Retraite and Passifs Sociaux), and Assurances & Crédits (Crédits, Assurances de prêts, Protection de la famille and Protection du patrimoine professionnel). The standalone Assurance Loyers Impayés GLI for individual landlords is a consumer-facing extension underwritten by Groupe Solly Azar SAS, and dedicated online estimators (Dommage Ouvrage and GFA) are provided on subdomains as digital entry points into the construction module.

Differentiator

Problem solved

Functional benefit

Brands

• Assurinco Crédit: Crédit brokerage activity launched in 2022 to help clients secure loans through bank partners (résidence principale, investissement immobilier, financement d'études, etc.).
• Assurinco Assurances Collectives

Products and services

• Assurance Tourisme Specialist professional insurance line for tour operators, travel agencies, pure players (online travel), group organizers, and coach operators, providing professional liability, client insurance products, cyber risk, and dirigeant protection.
• Assurance Immobilier Specialist insurance line for property administrators, syndicates, property managers, and landlords, covering multi-risk buildings/offices, unpaid rent, unpaid charges, legal protection, DO Syndic, and income protection.
• Assurance Construction Specialist construction insurance line for developers, construction firms, design offices, architects, and project managers, covering dommage ouvrage, RC décennale, RC promoteur/maître d'ouvrage, tous risques chantier, GFA, fleet, and dirigeant protection.
• Assurance Entreprise Multi-sector business insurance line for production, manufacturing, B2B services, consulting, and consumer-goods distribution, covering operational protection (cyber, RC professionnelle, RC produit), property, fleet/transport, and executive protection.
• Assurance Collective Collective employee benefits offering for company directors, HR, and finance leaders, providing complementary health (Santé), providence (Prévoyance), retirement (Retraite), and end-of-career indemnity (Passifs Sociaux) schemes.
• Assurances & Crédits Loan-brokerage and loan-insurance offer for individuals and businesses, including mortgages (primary/secondary residence, rental investment), loan insurance delegation/substitution, family protection, and professional wealth protection.
• Assurance Loyers Impayés (GLI Particuliers) Standalone unpaid-rent insurance product for individual landlords, covering monthly rent up to 3,500 EUR, contentieux/expulsion costs up to 5,000 EUR, exclusive squat guarantee up to 12 months, and deterioration cover up to 10,000 EUR; 100% tax-deductible under Article 31 CGI.

Quantifiable outcome

• 95% indemnification rate with 5 working day claims processing for complete dossiers
• +3 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core, historical and minor.

• Groupe Solly Azar SAScoreChannel Partner/ Reseller/ DistributorUnderwriting and managing partner for Assurinco's GLI (Garantie Loyers Impayés) product for individual landlords. Product is 'souscrit et géré' by Groupe Solly Azar SAS. The online subscription portal runs on glica.sollyazarpro.com (Solly Azar's white-label platform), enabling individual landlords to obtain quotes and subscribe directly online.
• OVH SAScoreTechnology or IntegrationHosting infrastructure provider for Assurinco websites. OVH SAS (RCS Roubaix-Tourcoing 424 761 419) hosts both www.assurinco.com and gfa.assurinco.com. Mentioned in legal notices across multiple source pages.
• Assurances Nationales / PHOXhistoricalStrategic or Co-development PartnerHistorical partnership agreement signed in 1991 with the PHOX photography groupement under the name 'Assurances Nationales'. Established the foundations of the brokerage's national network. No longer referenced as an active partnership in current materials.
• Bastien BlanquéminorGTM or Marketing PartnerSponsorship of the French Padel champion (Toulouse-based). Visibility via Padel Magazine (https://padelmagazine.fr/categorie/bastien-blanque/). Sponsorship is part of Assurinco's commitment to local sports figures.
• Tennis Club SalvetainminorGTM or Marketing PartnerLong-standing sponsorship of the local tennis club (https://club.fft.fr/tennisclubsalvetain/) supporting youth sports activities.
• OANE Dream (Matthieu Sapin)minorGTM or Marketing PartnerSponsorship of sailor Matthieu Sapin's OANE Dream project for the 2023 Mini Transat sailing race (https://www.linkedin.com/showcase/oane-dream/).
• Fondation Toulouse Cancer SantéminorGTM or Marketing PartnerBeneficiary charity of Assurinco's participation in the Course des Lumières (November 2022 night race against cancer). All event profits are donated to the foundation.
• La BatirunminorGTM or Marketing PartnerCharity sports event (10km race in Senegal) in which Assurinco teams participate both running and helping build a school during the trip (https://www.batirun.com/).

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Marsh France: French arm of Marsh McLennan, one of the world's largest insurance brokers. Overlaps with Assurinco on enterprise risk and insurance brokerage, though operating at significantly greater scale with multinational client base.
• Aon France: French subsidiary of Aon plc, global insurance and reinsurance brokerage leader. Comparable to Assurinco in offering multi-line professional insurance intermediation, but with international scale, broader risk consulting capabilities, and far larger premium volumes.
• WTW France (ex Gras Savoye): French operations of WTW (formerly Gras Savoye), a leading French-rooted insurance broker. Directly comparable as a French multi-specialty broker with enterprise and mid-market clients, but operating at a much larger scale than Assurinco.
• April Group: Large French insurance brokerage and insurtech holding with broad product lines including credit, health, protection and mobility insurance. Comparable as a French brokerage incumbent serving individuals and professionals, but at substantially greater scale than Assurinco.

Direct peers

• SPVie Assurances: French insurance broker serving professionals, entrepreneurs and SMEs with multi-specialty coverages including construction, real estate and enterprise. Closely matches Assurinco's vertical coverage and mid-market positioning in France.
• Diot-Siaci: Major French insurance brokerage group serving large enterprises and SMEs. Comparable in its courtier model and French domestic focus, though broader in scope and significantly larger in premium volume than Assurinco.
• Bessé: French independent insurance and reinsurance broker specialising in enterprise risk management for mid-market and large corporates. Comparable to Assurinco in its brokerage DNA, French B2B focus, and multi-specialty coverage, though operating at a larger scale.
• Verlingue: French mid-market insurance broker (courtier) serving enterprise and professional clients across multiple verticals. Highly comparable to Assurinco's brokerage model, specialisation in complex professional risks, and reliance on multi-insurer intermediation across regional France.

Regional players

• Filhet-Allard: French family-owned insurance brokerage group with strong presence in southwestern France. Comparable to Assurinco in its family ownership, French regional broker model, and multi-specialty brokerage DNA, with comparable size and heritage.

Others

• Groupe Solly Azar: French insurance broker and carrier partner that underwrites and manages Assurinco's standalone GLI product through its glica platform. Comparable as a French insurance intermediary with a specialty GLI offering, and a strategic distribution partner for Assurinco's consumer-facing line.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/assurinco

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Assurinco