Lloyd Assurances

What Lloyd Assurances does

Lloyd Assurances (Société Tunisienne d'Assurances LLOYD TUNISIEN) is a privately held Tunisian multi-branch insurance company founded in 1945 and headquartered in Les Berges du Lac 2, Tunis. Operating as a société anonyme with 51–100 employees and 45,000,000 TND in share capital, the company underwrites both personal lines (automobile, home multi-risk, travel, individual accident, pleasure craft) and commercial lines (professional multi-risk and civil liability for artisans, merchants, healthcare professionals, and liberal professions). Lloyd generates revenue primarily through recurring insurance premiums distributed across an annual billing cadence, with quote-based pricing for all products.

The company's distribution model is hybrid: a nationwide physical agency network and telephone contact center (with documented service-level commitments of sub-10-second phone response and under-3-day claim reimbursement) are paired with a digital self-service platform offering online quotes for all major product lines. Core technology consists of a web-based quote and subscription platform integrated with third-party assistance providers — GA (Générale Assistance) for automotive towing and replacement vehicles through Lloyd Mobilité packs, and AFRCOSIAM (a MAPFRE Group company) for global travel medical assistance and repatriation. The company does not disclose proprietary AI/ML capabilities; its competitive differentiation rests on brand heritage, agency reach, third-party-validated service quality (IPSOS 'Élu Service Client de l'Année 2026'), and bundled assistance services rather than algorithmic underwriting or claims automation.

Lloyd's go-to-market combines direct-to-consumer digital and field-agent channels with B2B2C partnerships (notably the CCITF chamber of commerce for French-Tunisian enterprises) and event-driven marketing through cultural and sports sponsorships including SiccaJazz, Djerba Music Land, and international women's tennis tournaments. Customer segments span individual consumers (the primary segment) and small-to-mid-sized professionals, with no named enterprise anchors and no exposure to a single dominant account. Governance transitioned in July 2025 with Karim Ghelala assuming the Directeur Général role from Yazid Sellaouti, who became Vice-Président.

Name

Lloyd Assurances

Legal name

Société Tunisienne d'Assurances LLOYD TUNISIEN

Website

https://lloyd.com.tn

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

51–100 employees

Short description

Lloyd Assurances is a privately held Tunisian multi-branch insurer founded in 1945, offering automobile, home, travel, personal accident, pleasure craft, and professional liability coverage to individual consumers and small-to-mid-sized professionals through a nationwide agency network and digital self-service platform.

Ownership category

akta.pro rank

Product category

Multi-Branch Insurance

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

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

Keywords

• Auto insurance
• Home insurance
• Travel insurance
• Professional liability insurance
• Personal accident insurance

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Lloyd Assurances generates revenue through the collection of recurring insurance premiums across multiple branches including automobile, travel, home (multi-risques habitation), individual accident, pleasure craft, professional multi-risk, and civil liability insurance. Policies are underwritten for both individual consumers (particuliers) and professionals (artisans, liberal professions, healthcare professionals). The revenue model is subscription/recurring in nature, with annual or multi-year contract structures. Additional services such as assistance packages (Lloyd Mobilité, Master Pack, Premium Pack) and vehicle replacement programs generate incremental premium income.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Lloyd Assurances is a Tunisian multi-branch insurance company that underwrites and distributes personal and commercial insurance policies. Its core offerings include automobile insurance (with three coverage tiers: Classique, Tierce Collision, Tous Risques), travel insurance, multi-risk home insurance (multi-risques habitation), individual accident insurance, pleasure craft (boat) insurance, and professional lines (multi-risk professional and civil liability) targeting artisans, merchants, healthcare professionals, and liberal professions. Revenue is generated through recurring annual insurance premiums billed across these multiple lines.

Product overview

Lloyd Assurances is a Tunisian multi-branch insurance company founded in 1945, offering a comprehensive portfolio of insurance products for both individuals (particuliers) and professionals. For individuals, the core offerings include: Assurance Automobile (automobile insurance with Classique, Tierce collision, and Tous Risques tiers), Assurance Voyage (travel insurance with medical coverage and repatriation), Assurance Multi-Risques Habitation (home insurance), Assurance Individuelle Accident (personal accident coverage), and Assurance Plaisance (boat/yacht insurance). For professionals, the company provides Assurance Responsabilité Civile Professionnelle and Assurance Multi-Risques Professionnelle (MRP) targeting artisans, traders, healthcare professionals, and liberal professions. The product ecosystem includes add-on modules such as LLOYD Mobilité (automobile assistance with replacement vehicle packages), and Assistance Automobile/Voyage services. The company operates as a Société Tunisienne d'Assurances "LLOYD TUNISIEN" with a capital of 45,000,000 Tunisian Dinars, headquartered at Les Berges du Lac 2, Tunis.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Automobile Lloyd

Quantifiable outcome

• Telephone response time: less than 10 seconds
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered major, minor, notable and core.

• SiccaJazz FestivalmajorGTM or Marketing Partner · 20 April 2026Lloyd Assurances serves as the principal sponsor/mécène of the 11th edition of the SiccaJazz by LLOYD festival (April 30 – May 3, 2026) at Kasbah du Kef. This is a named title sponsorship relationship, reflecting the company's long-term commitment to cultural patronage and regional development.
• Association 'La Vie des Malades du Cancer'minorOthers · 23 October 2025Partnership with the Association 'La Vie des Malades du Cancer' for breast cancer screening activities during Breast Cancer Action Month (Octobre Rose) 2025. Ten doctors, gynecologists, and midwives provided individual screening consultations for Lloyd Assurances female employees.
• Djerba Music Land FestivalmajorGTM or Marketing Partner · 23 July 2025Lloyd Assurances was the official partner of the 10th anniversary edition of Djerba Music Land (July 31 – August 3, 2025). The company leveraged this partnership to connect with Tunisia's youth demographic, modernize its brand image, and reinforce its position as an active cultural actor.
• MEDIBAT 2025 (Salon Méditerranéen du Bâtiment)notableGTM or Marketing Partner · 30 May 2025Lloyd Assurances participated in the 18th MEDIBAT Mediterranean Building Fair (May 21–24, 2025, Sfax), which gathered 300+ exhibitors from the Mediterranean and Maghreb regions. The commercial team conducted B2B meetings with building and construction sector professionals across three forums: Entrepreneuriat, Scientifique, and Economique Tuniso-Algéro-Libyen.
• CCITF (Chambre de Commerce et d'Industrie Tuniso-Française)coreGTM or Marketing Partner · 25 April 2025Lloyd Assurances renewed its strategic partnership with CCITF for 2025, aiming to multiply joint actions to support business digital transformation, stimulate innovation, and drive sustainable growth. The partnership targets the French-Tunisian business ecosystem, offering tailored insurance solutions and reinforcing Lloyd's B2B positioning among CCITF member companies.
• SiccaJazz FestivalmajorGTM or Marketing Partner · 25 April 2025In 2025, Lloyd Assurances sponsored the 10th edition of SiccaJazz (April 30 – May 4, 2025) at Kasbah du Kef, with the event branded 'SiccaJazz by LLOYD'. This partnership established the company's role as a cultural actor supporting local heritage and the economic/touristic development of the Kef region.
• Mimosa Women's Tour W50 (International Tennis)notableGTM or Marketing Partner · 12 January 2025Lloyd Assurances was the official partner of the Mimosa Women's Tour W50, an ITF- and FTT-sanctioned international women's tennis tournament held January 12–26, 2025 at the Tennis Club de l'Avenir Sportif de La Marsa. The event featured Top 200 players (week 1) and Top 100 players (week 2).
• Jasmin Open 2024 (International Women's Tennis)notableGTM or Marketing Partner · 23 August 2024Lloyd Assurances participated as a Gold Sponsor of the 3rd Jasmin Open 2024, an international women's tennis tournament held September 9–15, 2024 in Monastir, Tunisia, supporting sports tourism in the country.
• Djerba Music Land FestivalmajorGTM or Marketing Partner · 31 July 2024Lloyd Assurances was the platinum sponsor of Djerba Music Land 2024, one of the Mediterranean's leading electro music festivals held in Djerba, Tunisia.
• W35 La Marsa International Tennis TournamentminorGTM or Marketing Partner · 6 June 2024Lloyd Assurances served as sponsor of the W35 La Marsa 2024 international tennis tournament, supporting women's tennis in Tunisia and reinforcing the company's commitment to sports development.
• Forum du Codéveloppement Industriel 2024minorGTM or Marketing Partner · 6 June 2024Lloyd Assurances was a sponsor of the 3rd Forum du Codéveloppement Industriel 2024, held June 6–7, 2024 at the Sheraton Tunis Hotel, targeting industrial development stakeholders.
• AFRCOSIAM (MAPFRE Group) — Travel AssistancecoreTechnology or IntegrationAFRCOSIAM (a MAPFRE Group company) provides Lloyd Assurances travel assistance services including medical expense coverage, hospitalization support, medication delivery, and repatriation services for Lloyd's travel insurance policyholders. Contact: [email protected].
• GA (Générale Assistance) — Automotive Assistance NetworkcoreTechnology or IntegrationGA (Générale Assistance) provides the automotive assistance and repair network for Lloyd Assurances' Lloyd Mobilité pack programs. Under these packs, policyholders receive towing services and replacement vehicles through the GA garage network, with the Master Pack providing 15 days of replacement vehicle access and Premium Pack providing 30 days plus home service.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LLOYDASSURANCESTN
• LinkedInlinkedin.com/company/lloyd-assurances
• Instagraminstagram.com/lloydassurancestn

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 Lloyd Assurances