3A Assurances
3A Assurances is a privately-held French insurance agency and brokerage founded in 1923, serving individuals and businesses across three locations in the Ain department near Lyon through MMA agency and multi-carrier brokerage channels.
- Company typePrivate
- Founded1923
- HeadquartersChâtillon-sur-chalaronne, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What 3A Assurances does
3A Assurances is a privately-held French insurance agency and brokerage founded in 1923, headquartered in Châtillon-sur-Chalaronne in the Ain department of the Auvergne-Rhône-Alpes region. The firm operates three physical agency locations (Châtillon-sur-Chalaronne, Pont d'Ain, and Ambérieu en Bugey) serving individuals and businesses in the territory near Lyon. It is structured as a SARL with €324,000 in stated capital, registered under RCS Bourg en Bresse, and is supervised by ACPR and registered with ORIAS as a French insurance intermediary. The company is led by three associated partners: Vianney ESCHBACH, Olivier CASSAN, and David MORAND.
The firm operates a dual-brand model: 3A Assurances functions as a historical general agent for MMA, while 3A Horizon, created in 2023, operates as a multi-carrier brokerage accessing AXA, Generali, Allianz, Groupama, and other French insurers. The product portfolio spans personal lines (property, auto, health, life) and eight commercial verticals including industrial risks, agricultural and wine domains, construction and real estate, merchants and liberal professions, aeronautics and pleasure craft, associations and leisure centers, professional/business insurance, and cybersecurity insurance. Pricing is quote-based, determined by individual client risk profiles and carrier selection, with annual billing cadence.
The business model is commission-based, earning revenue on premiums written through both the MMA general agency mandate and the brokerage channel. Distribution is relationship-driven, relying on physical agency presence, dedicated advisor follow-up, referral networks through CJD membership, and inbound leads via the my3a.fr website and LinkedIn. No revenue, headcount growth, funding activity, or M&A is disclosed, and the firm shows no signs of technological differentiation beyond standard insurance industry tooling.
3A Assurances firmographics
Firmographics- Name
- 3A Assurances
- Legal name
- 3A Assurances
- Website
- https://mon-assurance.com
- Company type
- Private
- Founded year
- 1923
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 3A Assurances is a privately-held French insurance agency and brokerage founded in 1923, serving individuals and businesses across three locations in the Ain department near Lyon through MMA agency and multi-carrier brokerage channels.
- Ownership category
- akta.pro rank
3A Assurances industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
Keywords
Where 3A Assurances is headquartered
LocationHeadquarters
- HQ city
- Châtillon-sur-chalaronne
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
3A Assurances business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Insurance Brokerage and Agency Commissions: Revenue generated through commissions from insurance product sales as both an MMA general agent and independent broker. The company earns commissions on insurance policies placed with MMA and other insurance carriers (AXA, Generali, Allianz, Groupama, etc.) based on premiums written.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individual insurance products - tailored pricing based on risk assessment |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
3A Assurances product offering
Product offeringCore offering
3A Assurances is an independent insurance agency and brokerage operating as a general agent for MMA and (via subsidiary 3A Horizon) as a multi-carrier broker distributing AXA, Generali, Allianz, and Groupama products. The company delivers personalized insurance solutions across eight specialized professional domains (industrial risks, agricultural/wine domains, construction/real estate, tradespeople/liberal professions, aeronautics/pleasure craft, associations/leisure centers) plus personal insurance lines (property, life/health, cyber) to individuals and businesses in the Ain department.
Product overview
3A Assurances operates as a dual-brand insurance brokerage platform comprising 3A Assurances (the core MMA general agency brand with over 100 years of history) and 3A Horizon (a newer subsidiary dedicated to multi-company brokerage). The platform offers two main customer segments: professional insurance covering 8 specialized domains (Industrial Risks, Agricultural/Wine Domains, Construction/Real Estate, Tradespeople/Liberal Professions, Aeronautics/Boating, Associations/Leisure Centers, Personal Insurance, and Professional/Business Insurance), and individual/personal insurance including property, personal risk, and coverage solutions. The company acts as an insurance broker providing access to multiple insurance providers (AXA, Generali, Allianz, Groupama, MMA) combined with personalized advisory services.
Differentiator
Problem solved
Functional benefit
Products and services
- 3A Horizon Multi-Carrier Brokerage
- Industrial Risks Insurance (Risques industriels)
- Agricultural and Wine Domain Insurance (Domaines agricoles et viticoles)
- Construction and Real Estate Insurance (Construction et immobilier)
- Tradespeople and Liberal Professions Insurance (Commerçants et professions libérales)
- Aeronautics and Pleasure Craft Insurance (Aéronautique et plaisance)
- Associations and Leisure Centers Insurance (Associations et centres de loisirs)
- Personal Insurance (Assurance de personnes)
- Professional Insurance (Assurance professionnelle)
- Property Insurance (Assurance biens)
- Cybersecurity Insurance (Cybersécurité)
Quantifiable outcome
- 100+ years of insurance expertise available to clients
- +1 more outcomes
Companies that use 3A Assurances
Customer profileNamed customers2 records
Segments8 records
Ideal customer profiles3 records
3A Assurances technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
3A Assurances partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- MMA (MUTUELLE DES MOTARDS)coreHistorical general agency mandate providing exclusive representation for MMA insurance products, with access to MMA's network of approved repair shops offering preferential rates for policyholders.
- AXAminorInsurance carrier partner accessible through the company's brokerage services, offering additional market options for clients.
- GeneraliminorInsurance carrier partner accessible through the company's brokerage services, offering additional market options for clients.
- AllianzminorInsurance carrier partner accessible through the company's brokerage services, offering additional market options for clients.
- GroupamaminorInsurance carrier partner accessible through the company's brokerage services, offering additional market options for clients.
- Les Entreprises s'engagentminorNational initiative promoting corporate social responsibility. 3A Assurances is a member, demonstrating commitment to sustainable business practices.
- CJD (Centre des Jeunes Dirigeants)minorProfessional network of young business leaders. 3A Assurances is a member, providing networking and professional development opportunities.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
3A Assurances competitors and assessment
Company assessmentDirect peers
- Diot-Siaci: Leading French insurance broker with strong corporate and SME focus. Comparable in providing multi-carrier advisory and risk management services to professional clients in France.
- Verspieren: Independent French insurance broker offering multi-carrier solutions for individuals and businesses. Comparable multi-line agency/brokerage model targeting similar SME and personal client segments in France.
- SPVie Assurances: French insurance broker focused on professionals, craftspeople, and liberal professions. Comparable to 3A Assurances in serving tradespeople and small businesses with tailored commercial coverage.
- Henner: French insurance broker with strong individual and group benefits expertise. Comparable brokerage model serving both individuals and businesses through multi-carrier distribution.
- Verlingue: French corporate insurance broker serving mid-market and enterprise clients with risk advisory and brokerage services. Comparable professional-lines focus and multi-carrier model.
- April Group: Major French insurance brokerage serving individuals and professionals across personal and commercial lines. Comparable to 3A Assurances in multi-line brokerage model and French market focus, though at significantly larger scale.
Broad incumbents
- Marsh France: Global insurance broker with established French operations serving mid-market and large enterprise clients. Operates in the same brokerage space with multi-carrier capabilities but at much larger scale and broader portfolio.
- Aon France: Global insurance and reinsurance broker with substantial French presence. Overlaps with 3A Assurances in providing brokerage and risk advisory to commercial clients, but at enterprise scale with broader specialty offerings.
Others
- Groupama: Major French mutual insurer listed as a carrier partner for 3A Assurances. While a carrier rather than broker, it competes for the same end-clients through its own regional agencies, particularly in rural and agricultural segments.
- MMA (Mutuelle des Motards): French mutual insurance company and the historical general agency mandate partner of 3A Assurances. While currently a partner/carrier rather than direct competitor, MMA's own agency network competes for the same regional personal-lines clients.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
3A Assurances social profiles
Digital presence3A Assurances compliance and trust
Trust signalCompliance2 records
3A Assurances financial estimates
Financial estimateRevenue estimate
Valuation estimate
3A Assurances leadership team
Management profileNumber of profiles
Profiles3 records
3A Assurances funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
3A Assurances M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 3A Assurances
What does 3A Assurances do?
3A Assurances is an independent insurance agency and brokerage operating as a general agent for MMA and (via subsidiary 3A Horizon) as a multi-carrier broker distributing AXA, Generali, Allianz, and Groupama products. The company delivers personalized insurance solutions across eight specialized professional domains (industrial risks, agricultural/wine domains, construction/real estate, tradespeople/liberal professions, aeronautics/pleasure craft, associations/leisure centers) plus personal insurance lines (property, life/health, cyber) to individuals and businesses in the Ain department.
Is 3A Assurances a public or private company?
3A Assurances is a private company. It is classified as management employee owned and is currently operating.
When was 3A Assurances founded?
3A Assurances was founded in 1923. It employs 11 to 50 people.
Where is 3A Assurances based?
3A Assurances is headquartered in Châtillon-sur-chalaronne, France, in the Europe region.
How does 3A Assurances make money?
One revenue line is on record: insurance Brokerage and Agency Commissions.
Who are 3A Assurances's main competitors?
Direct peers on record are Diot-Siaci, Verspieren, SPVie Assurances, Henner, Verlingue and April Group. Broad incumbents are Marsh France and Aon France. Others are Groupama and MMA (Mutuelle des Motards).
Does 3A Assurances have an API?
No public API is recorded for 3A Assurances.
What industry is 3A Assurances in?
3A Assurances's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 5242 and its SIC code is 6411.