LXF Assurances

What LXF Assurances does

LXF Assurances is a privately held French insurance brokerage and MMA (Covéa group) general agency founded on April 1, 2021, by Dirigeant Frédéric LACORE and headquartered at 31 rue Henri Barbusse, Valence, in the Drôme department. The firm operates four physical agencies across Valence (headquarters and the Victor Hugo individuals desk), La Voulte-sur-Rhône, and Crest, with international coverage delivered through the International Network of Insurance (INI) partnership spanning 140+ countries. It is structured as a SARL unipersonnelle with €475,000 in stated share capital (RCS Romans B 532 904 620; ORIAS N° 20009448) and is 100% founder-owned with no external investors or subsidiaries.

The company delivers B2B and B2C insurance distribution across four product pillars: (1) Responsabilité Civile covering exploitation, professional, decennial, directors, pollution, and product liability; (2) Dommages & Perte d'Exploitation including property, business interruption, construction (D.O, T.R.C, C.N.R), machine breakdown, IT, fleet, transport, and cyber-risk; (3) Assurances Affinitaires for warranty extensions and consumer goods (mobile, phone, computer, camera); and (4) Assurances Collectives & RH covering health, prévoyance, retirement, key-person, and severance. Service modules include Audit & Risk Prevention Advisory and a dedicated Service Sinistres (claims) desk. Technology is limited to a customer Extranet portal (extensions.lxf-assurances.fr) for warranty extensions; there is no proprietary AI, model, or data platform disclosed.

Revenue is generated entirely on a commission basis from premiums placed as both an MMA general agent (Covéa group) and an independent insurance broker (courtier en assurances); pricing is quote-based, annually billed, and tailored via a Plan Global d'Assurances (PGA) audit. The go-to-market is relationship-led through dedicated account managers and face-to-face consultation, targeting French PME & ETI professional clients with cross-sell to their employees and families. The team is mid-sized (named headcount of ~25 across Entreprises & Pro, Sinistres, Particuliers, Comptabilité, and Construction services) with average tenure of 15 years in professional insurance.

Name

LXF Assurances

Legal name

LXF Assurances

Website

https://lxf-assurances.fr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

LXF Assurances is a privately held French insurance brokerage and MMA general agency operating four offices in the Drôme department (Valence, La Voulte-sur-Rhône, Crest), serving French PME & ETI professionals, enterprises, and individuals with liability, property, collective, and affinity insurance products distributed via a Plan Global d'Assurances model.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351)

akta.pro primary industry

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

akta.pro secondary industry

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)

Keywords

• Insurance brokerage services
• Business liability insurance
• Property damage coverage
• Collective insurance solutions
• Claims management services

Headquarters

HQ city

Valence

HQ country

France

HQ region

Europe

Offices4 records

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 Commission Revenue: As an MMA general agent (agent général MMA) and insurance broker (courtier en assurances), LXF Assurances earns commissions on insurance premiums placed with insurance companies. They manage insurance premiums including liability, damages, and collective insurance products for businesses, as well as affinity insurance products (mobile, phone, computer, camera, etc.)

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

LXF Assurances is a French insurance brokerage and MMA general agency that designs, places, and manages insurance programs for businesses, professionals, and individuals. Core offerings include Civil Liability (RC), Property Damage and Business Interruption (Dommages et Perte d'Exploitation), Affinity Insurance (warranty extensions, consumer electronics), and Collective/HR Insurance (health, provident, retirement, key person). Services are delivered via dedicated account managers, in-house claims management, and risk audit advisory.

Product overview

LXF Assurances is an MMA general agent and insurance broker offering a comprehensive portfolio of insurance products and services for professionals, businesses, and individuals in France. The core offerings include Civil Liability Insurance (RC) covering exploitation, professional, decennial, directors, pollution, and product liability; Damage & Loss of Operating Income insurance for property, fire, theft, natural disasters, construction, machine breakdown, IT risks, fleet vehicles, and cyber-risk; Affinity Insurance for warranty extensions and consumer goods (mobile, electronics); and Collective Insurance & HR services including health, provident, retirement, and key person coverage. These products are complemented by specialized Audit & Risk Prevention Advisory services and a dedicated Claims Management (Sinistres) service module.

Differentiator

Problem solved

Functional benefit

Products and services

• Responsabilité Civile (RC) / Civil Liability Insurance Civil liability insurance covering professionals and businesses, including RC Exploitation (pre-delivery), RC Professionnelle, RC Décennale, RC Dirigeants, RC Pollution, and RC Produits. Protects against material, immaterial, and bodily damages caused to third parties. Targeted at PME/ETI, liberal professionals, merchants, and industrial clients.
• Dommages et Perte d'Exploitation (Property Damage & Business Interruption Insurance) Property and business interruption insurance covering fire, theft, natural events, construction insurance (D.O, T.R.C, C.N.R), machine breakdown, IT risks, vehicle fleet, transport, and cyber-risk. Designed for businesses needing protection against operational losses and physical asset damage.
• Assurances Collectives & RH (Collective Insurance & HR Solutions) Group insurance and HR solutions including health (santé), provident/benefits (prévoyance), supplementary retirement, key person insurance, assistance/repatriation, asset management, majority manager coverage, end-of-career compensation, and severance pay. For business clients covering their employees.
• Assurances Affinitaires (Affinity Insurance & Warranty Extensions) Affinity insurance covering warranty extensions, financial loss, goods and services, and accessories and consumer goods including mobile phones, cameras, and computers. Available to both professional clients (e.g., photographers) and individuals, with the Extranet portal enabling warranty extensions online.
• Audit & Risk Prevention Advisory Risk assessment and prevention consulting service providing customized audits of business activities, buildings, equipment, processes, and risk mapping to develop tailored insurance programs. Offered to professional and enterprise clients as a standalone advisory service.
• Sinistres Management (Claims Management Service) Dedicated claims management service handling all types of insurance claims for professionals and individuals, with a team of claims specialists defending client interests. Operates as a standalone service line with its own department head and handlers.

Quantifiable outcome

• Average 15 years of professional insurance experience per team member
• +1 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered minor, primary and core.

• SeinFormerCancerminorOthers · 1 October 2024Drôme-based breast cancer awareness and support association. LXF Assurances and their dirigeants actively support this charity during October Rose (Breast Cancer Awareness Month) and throughout the year.
• Vaincre la mucoviscidose (Cystic Fibrosis Foundation)minorOthers · 1 May 2024Five team members including dirigeant Frédéric LACORE participated in Trail Des Troglodytes charity run to support cystic fibrosis research. Partnership demonstrates company's commitment to community engagement.
• MMA (Mutuelle des Motards Assurances)primaryChannel Partner/ Reseller/ Distributor · 1 January 2021LXF Assurances operates as an MMA general agent (agent général MMA), distributing MMA insurance products through their agency network in Valence, La Voulte-sur-Rhône, and Crest. MMA is part of the Covéa group, one of France's largest mutual insurance groups.
• International Network of Insurance (INI)coreTechnology or IntegrationINI provides international insurance coverage network enabling LXF Assurances to accompany their business clients' international development in more than 140 countries worldwide.
• Challenges.frminorGTM or Marketing PartnerLXF Assurances and dirigeant Frédéric LACORE featured in Challenges.fr's Le Talk Entreprise interview series, providing media visibility and credibility as insurance experts.
• O2SwitchminorOthersWebsite hosting provider for lxf-assurances.fr. O2Switch is a French web hosting company based in Clermont-Ferrand.

Scale indicators8 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Filhet-Allard: Independent French insurance broker with a strong B2B and professional-risk franchise, including construction and corporate specialty lines. Comparable as a multi-line independent broker targeting PME and ETI clients.
• Diot-Siaci: Major French insurance broker (Diot merged with Siaci Saint Honoré) serving enterprises and professionals with multi-line insurance and risk advisory. Comparable business model — independent broker with B2B focus — though at materially larger scale.
• Verspieren: Independent French insurance broker specializing in construction, professional liability, and enterprise risks. Comparable due to similar specialty focus (including decennial) and B2B brokerage model.
• Verlingue: France-based insurance brokerage focused on professional and enterprise clients (PME, ETI, large accounts). Comparable because both are independent brokers serving B2B clients with multi-line plans, although Verlingue is significantly larger and operates nationally.
• SPVIE Assurances: Independent French insurance broker serving professionals and SMEs with multi-product offerings. Comparable due to similar B2B brokerage model and SME / professional client focus.

Broad incumbents

• Aliansante / Santé Allianz: Major French insurer with significant presence in professional liability and corporate insurance. Comparable as a large incumbent provider in the same lines of business LXF Assurances brokers.
• Aon France: Global insurance and reinsurance brokerage with a French presence serving large enterprises on professional liability and specialty lines. Comparable on offerings but operates at far larger scale and serves enterprise tier.
• Marsh France: Global broker's French entity, operating broadly across enterprise risk, P&C, and specialty lines. Comparable as a broker for professional and enterprise clients, but as a much larger incumbent with national and international scale.
• AXA France: One of France's largest insurers, heavily present in professional, construction, and enterprise insurance. Comparable as a major carrier/competitor in the same risk categories LXF Assurances serves.

Others

• MMA (Covéa): French mutual insurer (Covéa group) for which LXF Assurances acts as a general agent. Comparable as a key partner and carrier source; not a direct competitor but the principal upstream supplier of LXF's product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/lxf-assurances
• Facebookfacebook.com/LXFAssurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 LXF Assurances