CLC Assurances

What CLC Assurances does

CLC Assurances is an independent insurance broker (courtier en assurances) founded in 1989 and headquartered at 1 rue René Francart, Reims, France. Operating with 1–10 employees, the firm acts as an intermediary between business clients and insurance carriers, advising on, placing, and managing commercial and personal insurance policies. The company targets French businesses of all sizes, both domestically and internationally, through a consultative advisory model rather than self-service or digital channels. CLC Assurances is privately held, with no disclosed parent, institutional investors, or external funding.

The firm's product portfolio is organized into two service pillars. "Assurer les biens" (protecting assets) covers professional liability, property damage, business interruption, vehicle fleets, goods in transit, Décennale (mandatory ten-year construction liability), and Dommage ouvrage building insurance. "Protéger les personnes" (protecting people) covers supplementary health, provident/death-and-disability, retirement, employee savings plans (PEE), key person insurance, mortgage/borrower insurance, and career-end indemnity. The firm works with 17+ named carriers spanning major French, European, and global insurers, including AXA, Allianz, Generali, AIG, Chubb, Hiscox, QBE, Groupama, Helvetia, MMA, April, and Albingia. Its four-step service methodology (Comprendre, Conseiller, Négocier, Gérer) emphasizes needs analysis, coverage advisory, carrier negotiation, and ongoing policy/claims management.

Revenue is generated exclusively through commissions paid by insurance carriers for placed business; pricing is not publicly disclosed and is customized per client. The go-to-market is sales-led and direct, with a website contact form and LinkedIn/Facebook pages serving as top-of-funnel lead sources. There is no proprietary technology platform, no mobile application, no disclosed APIs, and no AI/ML capabilities — the offering is a pure human-advisory service. The firm has no disclosed M&A, funding rounds, awards, or regulatory actions in the input data.

Name

CLC Assurances

Legal name

CLC Assurances

Website

https://clc-assurances.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

CLC Assurances is a privately held, independent French insurance broker founded in 1989 in Reims, advising businesses on commercial and personal insurance lines and placing coverage with 17+ major French and international carriers via a consultative advisory model.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

Keywords

• Commercial insurance brokerage
• Professional liability insurance
• Business insurance advisory
• Employee benefits insurance
• Construction decennial insurance

Headquarters

HQ city

Reims

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

Revenue model

1. Insurance Brokerage Commissions: CLC Assurances generates revenue through commissions paid by insurance companies for placing business with them. As an independent broker, they receive commissions from multiple insurance providers (Hiscox, QBE, MMA, Generali, Allianz, AXA, April, Albingia, AIG, Abeille Assurances, CHUBB, CNP Assurances, CFDP, Entoria, GGVIE, Groupama, Helvetia) based on policies placed.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CLC Assurances is an independent insurance broker acting as an intermediary between business policyholders and insurance providers, offering tailored commercial insurance solutions in France and internationally. The company distributes property and liability insurance (professional liability, property damage, business interruption, fleet, transit goods, Décennale, Dommage ouvrage) and personal protection products (supplementary health, provident, retirement, employee savings, key person, borrower insurance, career-end indemnities), working with 18+ partner insurers to advise businesses, negotiate terms, and manage policies.

Product overview

CLC Assurances is an independent insurance broker serving as an intermediary between policyholders and insurers. The company offers a comprehensive portfolio of insurance products organized into two main categories: property and liability insurance (Assurer les biens) covering professional liability, property damage, business interruption, vehicle fleets, transit goods, ten-year liability (décennale), and building damage insurance; and personal protection insurance (Protéger les personnes) including supplementary health, provident/death & disability, retirement/pension, employee savings plans, key person insurance, mortgage insurance, and career-end compensation. The company operates through four core service pillars: understanding client business challenges, advising on precise coverage needs, negotiating optimal terms and pricing, and providing ongoing management and advocacy.

Differentiator

Problem solved

Functional benefit

Products and services

• Responsabilité Civile Professionnelle (Professional Liability Insurance) Professional liability insurance covering legal obligations arising from professional activities, errors, or negligence. Designed for businesses and professionals who need to protect themselves against claims tied to their professional services.
• Dommages aux biens (Property Damage Insurance) Property damage insurance protecting businesses against losses to physical assets including buildings, equipment, and inventory. Targeted at companies that need to safeguard their tangible operating assets.
• Perte d'exploitation (Business Interruption Insurance) Business interruption insurance covering loss of income and operating expenses during periods when operations are halted due to covered damages. For businesses exposed to revenue loss from property or operational incidents.
• Flotte de véhicules (Fleet Vehicle Insurance) Fleet vehicle insurance providing comprehensive coverage for company-owned vehicle collections. Designed for businesses operating multiple commercial vehicles.
• Marchandises transportées (Goods in Transit Insurance) Goods in transit insurance covering merchandise and cargo during transportation against loss, damage, or theft. For businesses shipping or transporting goods.
• Décennale (Ten-Year Construction Liability Insurance) Ten-year liability insurance (assurance décennale) covering construction and renovation professionals for major structural defects over a ten-year period. Required by French law for construction-sector professionals.
• Dommage ouvrage (Building Damage Insurance) Building damage insurance (dommage ouvrage) providing mandatory pre-construction coverage for structural defects in construction projects, ensuring rapid repair funding without awaiting liability determination. Required by French law for construction project owners.
• Complémentaire Santé (Supplementary Health Insurance) Supplementary health insurance (mutuelle) providing additional coverage for medical expenses beyond basic French social security. For businesses offering employee health benefits and individuals seeking enhanced medical coverage.
• Prévoyance (Provident/Death and Disability Insurance) Provident insurance covering death, disability, and inability to work for employees and business owners. For businesses providing employee welfare protection and business owners seeking personal income protection.
• Retraite (Retirement/Pension Insurance) Pension and retirement planning solutions helping individuals and businesses prepare for retirement. For businesses establishing employee pension arrangements and individuals planning retirement income.
• Plan d'Epargne Entreprise (PEE - Employee Savings Plan) Employee savings plan (PEE) enabling employees to save a portion of their earnings with tax advantages. For businesses seeking to provide tax-advantaged employee savings and retention benefits.
• Garantie Homme clé (Key Person Insurance) Key person insurance protecting businesses against financial losses from the death or incapacity of essential employees. For businesses dependent on key individuals whose loss would create material financial impact.
• Assurance emprunteur (Borrower/Mortgage Insurance) Mortgage insurance covering loan repayment obligations in case of death, disability, or unemployment of the borrower. For businesses and individuals taking out loans requiring insurance coverage.
• Indemnité de fin de carrière (Career-End Compensation Insurance) Career-end compensation insurance covering retirement indemnities owed to employees upon departure. For businesses that need to pre-fund statutory retirement indemnity obligations.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core.

• HiscoxcoreOthersHiscox is an international specialist insurer. As a partner of CLC Assurances, Hiscox provides insurance products that CLC Assurances offers to their business clients, including professional liability and specialty insurance solutions.
• QBEcoreOthersQBE is a global insurer operating in more than 120 countries. QBE supplies commercial insurance products through CLC Assurances to business clients.
• MMAcoreOthersMMA is a French insurance company offering property and casualty insurance. MMA provides insurance coverage options available to CLC Assurances clients.
• GeneralicoreOthersGenerali is a major international insurance company. As a partner, Generali supplies various insurance products including property, liability, and employee benefits coverage for CLC Assurances business clients.
• AllianzcoreOthersAllianz is one of the world's leading insurance companies. Allianz provides insurance products and coverage options through the CLC Assurances broker network.
• AXAcoreOthersAXA is a global insurance company and one of the largest in France. AXA supplies insurance coverage products available to CLC Assurances clients.
• AprilcoreOthersApril is a French insurance broker and insurer offering specialized insurance solutions. April provides coverage options through CLC Assurances.
• AlbingiacoreOthersAlbingia is a French mutual insurance company. Albingia supplies insurance products available to business clients through CLC Assurances.
• AIGcoreOthersAIG is a multinational insurance corporation. AIG provides commercial insurance products including professional liability and property coverage through CLC Assurances.
• Abeille AssurancescoreOthersAbeille Assurances is a French insurance company. Abeille provides insurance coverage options for business clients via CLC Assurances.
• CHUBBcoreOthersChubb is a global provider of insurance products including commercial property, casualty, and specialty insurance. Chubb supplies coverage through the CLC Assurances broker network.
• CNP AssurancescoreOthersCNP Assurances is a French insurance company specializing in personal protection and financial insurance products. CNP provides employee benefits and personal insurance coverage available to CLC Assurances clients.
• CFDPcoreOthersCFDP is a French insurance company. CFDP supplies insurance products through CLC Assurances to business clients.
• EntoriacoreOthersEntoria is an insurance company in France. Entoria provides coverage options for business clients through the CLC Assurances broker relationship.
• GGVIEcoreOthersGGVIE is a French insurance company. GGVIE supplies insurance products available to CLC Assurances business clients.
• GroupamacoreOthersGroupama is a major French insurance group. Groupama provides property, casualty, and agricultural insurance products through the CLC Assurances partnership.
• HelvetiacoreOthersHelvetia is a Swiss insurance company operating across Europe. Helvetia supplies insurance coverage options for business clients via CLC Assurances.

Recent moves3 records

Expansion highlights3 records

Direct peers

• Verspieren: Verspieren is a French family-owned independent insurance broker providing commercial insurance and risk advisory to businesses. Highly comparable independent broker model with multi-carrier placement across P&C and employee benefits lines.
• SPVie Assurances: SPVie Assurances is a French insurance broker focused on construction industry professionals, particularly Décennale and related coverages. Highly comparable to CLC Assurances' specialty in mandatory French construction insurance.
• Diot-Siaci: Diot-Siaci is one of France's largest independent insurance brokers serving mid-market and enterprise clients with P&C, employee benefits, and specialty lines. Comparable business model and target customer profile to CLC Assurances, but at much larger scale with international reach.
• Bessé: Bessé is a French independent insurance broker specializing in commercial lines and employee benefits for mid-market companies. Shares the same independent brokerage model, multi-carrier access, and B2B advisory approach as CLC Assurances.
• Verlingue: Verlingue is a French independent commercial insurance broker serving mid-market and enterprise clients with P&C and employee benefits, operating from multiple regional offices. Comparable to CLC Assurances in target market and product breadth, but at materially larger scale.
• April Group: April is a French insurance broker and insurer listed among CLC Assurances' carrier partners. Both serve French businesses with multi-line P&C and employee benefits brokerage, with April operating at significantly larger scale and broader geographic footprint across France.

Others

• Albingia: Albingia is a French mutual insurance company listed among CLC Assurances' carrier partners, focused on construction and SME commercial insurance. While Albingia underwrites risk rather than brokers, the direct relationship illustrates the carrier counterparty space in which CLC operates.

Broad incumbents

• Aon France: Aon is a global professional services firm providing insurance brokerage, risk management, and HR consulting across France. Operates as a broad incumbent serving enterprise clients across P&C, employee benefits, and specialty risks with capabilities well beyond CLC Assurances' scope.
• Willis Towers Watson France: WTW is a global advisory, brokerage, and solutions company operating in France with insurance brokerage, risk management, and employee benefits consulting. Competes with CLC Assurances for mid-market and enterprise accounts but provides significantly broader capabilities including actuarial and HR advisory.
• Marsh France: Marsh is a global insurance brokerage and risk advisory leader with a substantial French presence serving enterprise and mid-market clients across all commercial insurance lines. Competes with CLC Assurances for larger accounts but offers broader capabilities including reinsurance, claims advocacy, and risk consulting.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/clcassurances
• LinkedInlinkedin.com/company/clcassurances

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 CLC Assurances