Cabinet Watine

What Cabinet Watine does

Cabinet Watine is a privately held French insurance brokerage founded in 2001 and headquartered at 3 rue François Ponsard, Paris 16th arrondissement, operating under the consumer-facing brand "SOS RC PRO Décennale." The firm is registered with ORIAS (07 006 975, SIRET 429 387 632 00012, APE 6622Z) and is led by founder Jean-Luc Watine. It specializes exclusively in professional liability insurance (RC Pro) and decennial guarantee coverage, distributed through a direct sales-led model with free initial consultations and 24-hour quote turnaround.

The product portfolio comprises approximately 35 specialized insurance lines organized into five pillars: Assurance RC Pro (general professional liability), Garantie RC Décennale (mandatory ten-year construction guarantee), Risques Spéciaux (rope access, asbestos removal, crane operation, cyber, environmental), Assurance Internationale (USA/Canada, cross-border, expatriate), and Assurance Dirigeant d'Entreprise (executive liability, key person, legal protection). Underwriting capacity is anchored by a Liberty Mutual partnership for RC Pro and financial guarantee coverage. The technology stack is minimal — a content-driven website (sos-rc-pro.fr) with online quote forms, SEO-structured product pages, and an editorial blog ("Gazette"); there is no public API, no app, and no proprietary underwriting or AI platform.

Revenue is generated through brokerage commissions on placed policies. The customer base is a long-tail of SMBs and individual professionals across construction (artisans, architects, engineers), IT and digital services (consultants, game designers, software developers), regulated professions (crowdfunding, RGPD subcontractors, diagnosticians), and international/expatriate segments. Go-to-market relies on organic search, content marketing, and direct phone/email consultation rather than paid acquisition or intermediary agents. No headcount, revenue, or external funding has been disclosed.

Name

Cabinet Watine

Legal name

Cabinet Watine

Website

https://sos-rc-pro.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Cabinet Watine is a Paris-based French insurance brokerage founded in 2001, specializing in professional liability (RC Pro) and decennial guarantee coverage for SMBs and individual professionals across construction, IT, consulting, and high-risk trades, earning commissions on placed policies through direct consultation and a content-driven website.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Surety & Bond Brokerage (FSAEADAI)

Keywords

• Professional liability insurance
• Decennial guarantee insurance
• Insurance brokerage services
• RC Pro coverage
• Construction insurance specialist

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Cabinet Watine operates as an insurance broker (courtier d'assurance) earning commissions from insurance policy placements with partner insurance companies. They represent clients in obtaining quotes from multiple insurance carriers and earn brokerage fees on placed policies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Cabinet Watine is a French insurance brokerage firm (courtier d'assurance) that intermediates between clients and insurance carriers to place professional liability (RC Pro) and ten-year decennial guarantee (RC Décennale) policies. The firm sources quotes from multiple insurance carriers and specializes in complex and high-risk professions including construction artisans, IT consultants, rope access workers, asbestos removal specialists, and international consultants. Operating under the SOS RC PRO Décennale brand since 2001, the company provides tailored coverage and direct broker consultation rather than standardized off-the-shelf products.

Product overview

Cabinet Watine operates as an insurance brokerage firm offering a comprehensive portfolio of professional liability insurance products under the SOS RC PRO Décennale brand. The core offering includes Assurance RC Pro (professional liability insurance) and Garantie RC Décennale (ten-year guarantee insurance for construction professionals), supplemented by specialized products for IT, marketing, consulting, and high-risk professions. The company structures its portfolio across several categories: (1) RC Pro policies for various professions including IT consultants, game designers, environmental experts, security consultants, and international consultants; (2) RC Décennale for construction professionals including architects, artisans (electricians, plumbers, carpenters, roofers), and technical study offices; (3) Risques Spéciaux covering rope access workers, asbestos removal, and crane operators; (4) International insurance for cross-border operations and expatriates; (5) Business owner insurance including executive liability and key person coverage; and (6) Legal protection as a supplementary coverage. The portfolio also includes specialized offerings for diagnosticians, forestry operators, certification bodies, and freight forwarders. All products are distributed through direct consultation with the broker, with online quote requests available via the website.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance RC Pro Professional liability insurance covering damages caused to third parties in the course of professional activities, available with or without ten-year guarantee for construction professionals.
• Garantie RC Décennale Ten-year guarantee insurance mandatory for construction professionals, covering structural defects and major works for ten years following project completion.
• RC Pro Informatique

Quantifiable outcome

• Quote turnaround within 24 hours
• +1 more outcomes

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Liberty MutualcoreOthersLiberty Mutual serves as the primary insurance carrier for Cabinet Watine's RC Pro and financial guarantee coverage. The insurer provides policy backing under reference numbers MRCSBRO202203FR00000000041399A00 for both RC Pro and Financial Guarantee coverage.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Verspieren: Independent French insurance broker specializing in corporate and professional liability lines. Comparable niche focus on complex RC Pro placements and specialty risks for French SMBs and professions.
• SPVIE Assurances: French insurance broker serving construction trades and artisans with decennale and RC Pro coverage. Closely comparable to Cabinet Watine's core BTP artisan focus.
• AcommeAssure: Online French insurance broker focused on RC Pro and decennale for small businesses and construction professionals. Directly comparable in product focus, with a more digital-led distribution model.
• Alptis Assurances: French insurance intermediary focused on health, protection, and professional liability for self-employed professionals and SMBs. Highly comparable to Cabinet Watine's RC Pro and dirigeant offerings in target customer and product mix.
• Assureurs Pros: French online brokerage specializing in RC Pro and decennale insurance for SMBs and self-employed professionals. Closely comparable in target customer, product scope, and distribution model.

Broad incumbents

• Henner: French insurance broker specializing in health, protection, and professional liability for executives, professionals, and companies. Overlaps with Cabinet Watine's dirigeant and executive liability product lines.
• Marsh France: Global broker with French operations covering professional liability, construction, cyber, and international risk. Comparable product breadth but with a much larger enterprise client base than Cabinet Watine.
• Siaci Saint Honoré: Large French insurance broker and risk advisor serving mid-market and enterprise clients with professional liability, construction, and international coverages. Overlaps with Cabinet Watine on decennale and RC Pro distribution but at significantly larger scale.
• Willis Towers Watson France: Global advisory and brokerage firm with French operations covering professional liability, construction risk, and cyber. Overlaps with Cabinet Watine on specialty placements but operates primarily at enterprise scale.
• April Assurances: Major French insurance broker covering health, property, casualty, and professional liability for individuals and businesses. Comparable on professional liability distribution but at materially larger scale and broader scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/JLWatine

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Cabinet Watine