Sagesse

What Sagesse does

Sagesse SAS is a French insurance brokerage network founded in 1987 and headquartered in Toulouse, operating as a wholly-owned entity within Groupe Assurances Gestion Services (formed in 2018 through the merger of SAGESSE and AMI3F groups). The company distributes a comprehensive portfolio of 23 core insurance products through more than 80 affiliated agencies across metropolitan France, covering both personal lines (auto, motorcycle, home, supplementary health, legal protection, life accident cover, borrower insurance) and professional lines (decennial liability, professional liability, vehicle fleets, cyber risk, executive health, collective health, retirement, and D&O). Its technology footprint is limited to standard broker infrastructure: an Extranet (acces.sagesse.fr) for affiliated agencies and a client portal (espaceclient.sagesse.fr) for policy management, with no proprietary AI or underwriting platform disclosed.

The business model is commission-based brokerage: Sagesse acts as intermediary between clients and a panel of more than 25 insurance company partners including Allianz, AXA, Generali, MMA, AIG, ERGO, Mutuelle des Motards, and UGIP, earning transaction commissions on policies placed. Go-to-market is sales-led and relies on face-to-face advisory relationships at the local affiliated agency level, supplemented by website quote requests, email newsletters, social media content, and an exclusive purchasing-advantages partnership with DYNABUY (1,600+ partner brands). Pricing is quote-based and not publicly disclosed.

Sagesse is positioned among the top 15 insurance brokers nationally in France, with leadership including founder Jean-Louis Bibal, General Director Pascal Balard, and Deputy General Director Romain Bibal. Ownership is private, family/management-controlled within Groupe Assurances Gestion Services, with no disclosed external institutional or PE/VC funding. Growth has been driven organically via regional agency acquisition, exemplified by the 2026 transmission of Mistral Assurances Services in Béziers and absorption of Synergie Courtage, and lateral expansion into adjacent credit brokerage via subsidiary SAGESSE réseau crédit.

Name

Sagesse

Legal name

SAGESSE SAS

Website

https://sagesse.fr

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Sagesse is a French insurance brokerage network founded in 1987 in Toulouse, distributing 23 personal and professional insurance lines through 80+ affiliated agencies across metropolitan France via partnerships with 25+ insurance companies.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance coverage
• Professional liability insurance
• Insurance broker network

Headquarters

HQ city

Toulouse

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, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: SAGESSE generates revenue through commissions paid by insurance companies for policies placed through its network of affiliated brokers. As an insurance broker network, SAGESSE acts as intermediary between clients and insurers, earning commissions from insurers for bringing them business.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Sagesse operates a national insurance brokerage network in France, distributing a portfolio of 23+ insurance products sourced from over 25 partner insurance companies (Allianz, AXA, Generali, MMA, AIG, ERGO, etc.) through more than 80 affiliated local broker agencies. The company serves both individual clients (auto, home, health, legal protection, life accident, borrower insurance) and professional/business clients (decennial liability, professional liability, fleet vehicles, cyber risk, multi-risk coverage, health and retirement benefits for employees and executives). Revenue is generated through commissions paid by insurance companies for policies placed through the Sagesse network.

Product overview

Sagesse is a national network of insurance brokers serving both professionals and individuals. The offering consists of a comprehensive portfolio of 23 core insurance products organized into two main segments: professional insurance (including RC décennale, RC professionnelle, fleet vehicles, cyber risk, health, and legal protection) and personal insurance (including auto, home, health, legal protection, and loan insurance). The products are distributed through a network of over 80 affiliated agencies and brokers across France. Additionally, Sagesse offers supplementary services including a DYNABUY purchasing advantages program with negotiated rates from over 1,600 retailers.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Décennale (Decennial Liability Insurance) Decennial liability insurance for construction professionals covering damages affecting the solidity of construction work for ten years after reception. For gros œuvre and second œuvre construction professionals.
• RC Professionnelle (Professional Liability Insurance) Professional liability insurance covering damages caused to third parties in the course of professional activity, including faults, errors, omissions, and contractual breaches. For professionals across sectors.
• Flotte de véhicules (Fleet Vehicle Insurance) Fleet vehicle insurance starting from 4 vehicles, offering simplified management and economies of scale with no designated driver requirement. For businesses operating vehicle fleets.
• Véhicule du dirigeant (Executive Vehicle Insurance) Executive vehicle insurance for company cars, available in three tiers (liability, comfort, and all-risk) with customizable options. For company directors and executives.
• Protection juridique professionnelle (Legal Protection for Professionals) Legal protection insurance for professionals covering disputes with clients, suppliers, labor tribunals, administrative and tax matters, with coverage up to €20,000 per year. For self-employed professionals and businesses.
• Multirisque professionnelle (Professional Multi-Risk Insurance) Professional multi-risk insurance covering movable and immovable business assets against fire, theft, natural disasters, water damage, and vandalism. For SMEs and professional businesses.
• Multirisque industrielle (Industrial Multi-Risk Insurance) Industrial multi-risk insurance for manufacturing companies covering damage to production tools, including machines, lost clients, defective products, and business interruption. For industrial manufacturers.
• Transport de marchandises (Goods Transport Insurance) Goods transport insurance covering materials and merchandise during transport, including liability, environmental responsibility, and physical damage. For logistics and transport businesses.
• Assurance cyber risques (Cyber Risk Insurance) Cyber risk insurance covering cyber attacks, including identification costs, specialist intervention fees, legal support, and post-attack management. For businesses of all sizes exposed to cyber threats.
• Santé individuelle du dirigeant (Individual Executive Health Insurance) Individual health insurance for business executives providing supplementary coverage for medical expenses including hospitalization, natural medicine, optics, dental, and hearing aids. For company directors and executives.
• Santé collective (Collective Employee Health Insurance) Collective health insurance for company employees, supplementing social security coverage with hospitalization, natural medicine, optics, and dental benefits. For businesses providing employee benefits.
• RCMS (Directors and Officers Liability Insurance) Directors and Officers liability insurance covering defense costs and damages when executives are implicated for faults in the exercise of their duties. For company directors and officers.
• Prévoyance et indemnités journalières (Providence and Daily Allowances) Providence and daily allowance insurance providing financial security through coverage for death, disability, hospitalization, and loss of income. For self-employed professionals and businesses.
• Retraite (Retirement Insurance) Retirement insurance allowing professionals to build supplementary pension income for a decent living standard after retirement. For self-employed professionals.
• Assurance automobile (Auto Insurance) Auto insurance for all driver profiles (good drivers, with bonus/malus, young drivers, experienced drivers), covering liability, driver protection, theft, fire, vandalism, and natural disasters. For individual consumers.
• Assurance moto (Motorcycle Insurance) Two-wheeler insurance for all profiles including scooters, mopeds, motorcycles, adapted to driving experience and vehicle condition. For individual consumers.
• Assurance multirisque habitation (Homeowners Multi-Risk Insurance) Homeowners multi-risk insurance covering liability, fire, theft, water damage, climate events, natural disasters, and terrorism for all housing types. For individual homeowners and tenants.
• Assurance propriétaire non occupant (Non-Occupant Landlord Insurance) Non-occupant landlord insurance covering rental properties during vacancy periods and supplementing tenant insurance. For individual property owners who do not occupy their rental property.
• Assurance complémentaire santé (Supplementary Health Insurance) Supplementary health insurance covering expenses not reimbursed by social security, including hospitalization, optics, dental, and hearing aids. For individual consumers.
• Assurance protection juridique pour les particuliers (Personal Legal Protection Insurance) Personal legal protection insurance covering disputes in private life including consumption, vacation, health, succession, identity theft, vehicles, and housing. For individual consumers.
• Assurance VSP (License-Free Vehicle Insurance) Insurance for license-free vehicles (voiturettes) providing similar coverage to standard auto insurance for all driver profiles. For individual consumers of microcars/voiturettes.
• Assurance garanties accidents de la vie (Life Accident Insurance) Life accident insurance covering domestic accidents, natural disasters, aggression, professional injuries, children's activities, and internet risks. For individual consumers and families.
• Assurance emprunteur (Borrower Insurance) Loan insurance covering mortgage-related risks including death, loss of autonomy, disability, and unemployment with various reimbursement options. For individual mortgage borrowers.
• DYNABUY Avantages (Purchasing Advantages Program) Purchasing advantages program offering exclusive benefits including 25% average savings on bills, negotiated rates with 1,600+ national retailers for private and business expenses. Available to SAGESSE clients through the DYNABUY partnership.

Quantifiable outcome

• Positioned among top 15 insurance brokers nationally
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• AllianzcoreOthersMajor European insurance company operating as a key partner within the SAGESSE network of insurance providers.
• AXAcoreOthersLeading global insurance company operating as a partner within the SAGESSE network of insurance providers.
• GeneralicoreOthersMajor international insurance group operating as a partner within the SAGESSE network of insurance providers.
• MMAcoreOthersFrench insurance company operating as a partner within the SAGESSE network of insurance providers.
• AIGcoreOthersAmerican multinational insurance corporation operating as a partner within the SAGESSE network of insurance providers.
• ERGOminorOthersGerman insurance group operating as a partner within the SAGESSE network of insurance providers.
• Mutuelle des MotardsminorOthersFrench motorcycle insurer mutual operating as a partner within the SAGESSE network of insurance providers.
• UGIPminorOthersInsurance company operating as a partner within the SAGESSE network of insurance providers.
• DYNABUYminorGTM or Marketing PartnerPurchasing advantages program partner offering SAGESSE clients access to exclusive discounts and benefits from over 1600 partner brands. Includes private advantages for individuals and professional purchasing benefits for businesses.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• April Group: April is a leading French insurance brokerage group with multi-line personal and professional coverage, distributed via a network of partner brokers and agencies. Directly comparable business model to SAGESSE and a benchmark for top-tier French broker networks.
• Henner: Henner is a French insurance broker specialized in group health, prévoyance, and individual coverage, distributed via a network of brokers and digital tools. Comparable to SAGESSE's professional health and protection lines and network-based distribution.
• Assu 2000: Assu 2000 is a French insurance broker network specializing in auto, moto, and personal lines for individuals, with agency-based distribution. Comparable to SAGESSE's personal insurance retail motion and use of multi-carrier placement.
• Verlingue: Verlingue is a French insurance and reinsurance broker serving corporates, professionals, and individuals through regional offices. Comparable to SAGESSE in its multi-carrier intermediary model and focus on professional and personal insurance lines.
• Alptis Assurances: Alptis is a French insurance intermediary distributing personal and professional coverage (health, property, auto, savings) through a network of partner advisors. Highly comparable to SAGESSE in GTM motion and product breadth.

Broad incumbents

• Matmut: Matmut is a French mutual insurance company offering personal and professional coverage through its own agency network. Comparable distribution model and mid-market French customer base, but Matmut is also a carrier whereas SAGESSE is a pure intermediary.
• Siaci Saint Honoré (Diot-Siaci): Siaci Saint Honoré is one of France's largest insurance and HR services brokers, much larger than SAGESSE, serving large corporates with multi-line coverage. Comparable in product coverage but operates at significantly larger scale and is a potential acquirer/partner.
• Crédit Agricole Assurances: Crédit Agricole Assurances is the bancassurance arm of Crédit Agricole, distributing personal and professional insurance products through the bank's network. An incumbent distribution competitor with overlapping products and vast geographic reach.

Others

• Mon courtier énergie / Groupe INFO (broker adjacency): Mon courtier énergie is a French broker network adjacent to insurance — multi-product intermediation with a network of partner advisors. Compares to SAGESSE as a network/intermediation model rather than a direct product overlap.

Emerging players

• Lyanne Courtage: Lyanne is a French digital-first insurance broker specializing in professional liability, cyber, and construction insurance (RC décennale), competing directly with SAGESSE's specialty lines but with a more digital/tech-enabled delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Sagesse.Courtage.en.Assurances
• LinkedInlinkedin.com/company/sagesse---courtage-en-assurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries15 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 Sagesse