INSURED Services
INSURED Services is a French wholesale insurance broker (Toulouse, founded 2015) distributing digitalized Property & Casualty products through B2C/B2B brokers and PropTech APIs, administering 120,000+ policies for 1,500+ professional clients as a subsidiary of the ALPTIS Group.
- Company typePrivate
- Founded2015
- HeadquartersToulouse, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What INSURED Services does
INSURED Services is a French wholesale insurance broker (courtier grossiste) headquartered in Toulouse, founded in 2015 and operating as a SAS under ACPR supervision with ORIAS registration (14 000 256). The company specializes in digitalized Property & Casualty (IARD) insurance products distributed exclusively through intermediary channels rather than directly to end consumers. Its core product family comprises Insured Rent (unpaid rent guarantee / GLI), Insured Lease (non-owner occupied / PNO), Insured Home (multi-risk home), and Insured Building (multi-risk building), supplemented by the IZY LOC tenant file certification service. The company administers 120,000+ policies and serves 1,500+ professional clients across France and Europe.
The technology stack is built around a proprietary API platform designed for PropTech embedding, a 100% digitalized quote and policy management platform (services.insured.fr), and an integrated partner onboarding portal (partenaire.insured.fr). The company describes itself as leveraging AI alongside APIs and open banking to power digitized workflows, and holds ISO 9001 certification with GDPR compliance. Product development occurs in direct collaboration with insurance carriers (Allianz, Seyna, with AXA also visible in partner logos), enabling co-designed bespoke products for niche verticals such as student housing (with Studapart) and trusted-community rentals (with Gens de Confiance).
INSURED Services operates a commission- and management-fee-based revenue model across three distribution channels: B2C brokers serving individual landlords, B2B brokers serving professional real estate investors and property managers, and PropTech companies accessing insurance products via API integration. Since December 2023, the company has been a subsidiary of the ALPTIS Group, a diversified French insurance, prevention, and financing conglomerate comprising 12 entities. The team is approximately 30 collaborators, all based in Toulouse.
INSURED Services firmographics
Firmographics- Name
- INSURED Services
- Legal name
- INSURED Services S.A.S
- Website
- https://insured.fr
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- INSURED Services is a French wholesale insurance broker (Toulouse, founded 2015) distributing digitalized Property & Casualty products through B2C/B2B brokers and PropTech APIs, administering 120,000+ policies for 1,500+ professional clients as a subsidiary of the ALPTIS Group.
- Ownership category
- akta.pro rank
INSURED Services industry classification
Industry- Product category
- Insurance Brokerage (Property & Casualty)
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where INSURED Services is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
INSURED Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Distribution Commissions: INSURED Services earns commissions for distributing and managing insurance products as a wholesale broker. The company is remunerated based on commissions and management fees for insurance distribution and contract management activities.
- Policy Management Fees: Revenue generated from managing insurance policies on behalf of insurer partners, including administrative services, claims handling support, and ongoing client management.
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
INSURED Services product offering
Product offeringCore offering
INSURED Services is a digital wholesale broker (courtier grossiste) that designs, distributes, and manages property & casualty (IARD) insurance products for individual landlords and real estate professionals. It delivers its offerings through a network of partner brokers and via proprietary APIs embedded into PropTech platforms, administering over 120,000 policies across France and Europe.
Product overview
INSURED Services is a digital wholesale broker platform for P&C (IARD) insurance, offering a portfolio of named insurance products under the Insured brand family. The core product line includes Insured Rent (unpaid rent guarantee), Insured Lease (non-owner occupied property), Insured Home (multi-risk home), and Insured Building (multi-risk building), primarily targeting professional real estate clients and individual landlords through broker distribution. The Insured Pro platform provides brokers with portfolio management and quote generation tools. Additionally, the company offers API-based PropTech solutions enabling custom insurance product development for technology partners, including co-designed guarantees such as GLI and GAR products with partners like Allianz, Gens de Confiance, Studapart, and Seyna. The IZY LOC certification service adds tenant file verification to the product ecosystem.
Differentiator
Problem solved
Functional benefit
Products and services
- Insured Rent (Garantie Loyers Impayés / GLI) Guarantee for unpaid rents (GLI) designed for professional real estate clients, protecting landlords against tenant default on rent payments.
- Insured Lease (Propriétaire Non Occupant / PNO) Non-Owner Occupied insurance (PNO) protecting property owners' assets when properties are vacant or rented out.
- Insured Home (Multirisque Habitation) Multi-risk home insurance covering residential properties and providing comprehensive protection for homeowners and their tenants.
- Insured Building (Multirisque Immeuble) Multi-risk building insurance protecting all buildings including common areas and liability risks related to property management.
- Insured Pro (Broker Platform) Broker platform for managing client portfolios and generating precise quotes quickly, allowing brokers to compare insurance offerings and propose tailored solutions to clients.
- Gens de Confiance GLI (with Allianz) Custom unpaid rent guarantee co-designed with Allianz specifically for the Gens de Confiance community, protecting landlords while facilitating access to housing for carefully vetted tenants.
- Studapart GAR (with Seyna) Reservation Cancellation Guarantee (Garantie Annulation Réservation) created with Studapart and Seyna, enabling students to book with confidence and landlords to secure their income even in case of unexpected cancellations.
- Studapart GLI (Student Housing) Unpaid rent guarantee specifically designed for the student housing market, developed with Studapart to address the unique needs of student landlords and tenants.
Quantifiable outcome
- 120,000+ policies administered across France and Europe
- +3 more outcomes
Companies that use INSURED Services
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
INSURED Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
INSURED Services partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- ALPTIS GroupcoreINSURED Services has been part of the ALPTIS Group since December 2023. ALPTIS is an independent, collaborative, responsible, and solidarity-based insurance group consisting of 12 entities, 4 activities, and 1 training center. The Group operates in prevention, insurance, and financing domains, with a mission to accompany and protect life journeys.
- AllianzflagshipPartnership with Allianz insurance company for co-designing and distributing property insurance products, including the Garantie Loyers Impayés (GLI) specifically developed for Gens de Confiance platform users.
- SeynacoreStrategic partner in insurance product development, notably collaborating on the Garantie Annulation Réservation (GAR) product with Studapart for student housing.
- StudapartflagshipPropTech partner for student housing solutions. Co-developed specialized GLI for student rentals and Garantie Annulation Réservation (GAR) product. Studapart integrates INSURED Services insurance products into their student housing platform.
- Gens de ConfiancecoreCommunity platform partner for trusted rentals. Co-designed customized GLI product with Allianz specifically for the Gens de Confiance community, protecting property owners while facilitating access to housing through verified community members.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
INSURED Services competitors and assessment
Company assessmentEmerging players
- Wakam: European embedded insurance and B2B2X insurance provider enabling partners to white-label insurance products via APIs. Directly comparable as an embedded-insurance platform targeting partner/PropTech-like distribution.
- Luko: French digital-first home insurance provider targeting landlords and tenants. Comparable in digitizing home/property insurance and serving similar end-customer segments (landlords, renters) in France.
- Wefox: European digital insurance broker combining proprietary technology with broker distribution. Comparable in digitizing the broker-distribution model and expanding insurance access via technology-led intermediation.
- Getsafe: European digital/embedded insurance provider offering white-label and partner-distributed products. Comparable in API-first embedded insurance distribution targeting platform partners.
Regional players
- Assurland: French insurance comparison and brokerage platform with partner distribution. Comparable as a France-focused digital insurance intermediary, though positioned more towards consumer comparison than wholesale brokerage.
Direct peers
- LeLynx: French online insurance comparison and brokerage aggregator. Comparable in digital insurance distribution and intermediation with a partner-channel approach to serving end customers.
- Solly Azar: French wholesale insurance broker (courtier grossiste) distributing personal and professional lines through broker networks. Highly comparable as a fellow wholesale broker operating in the French intermediary insurance market.
- CEGEMA: French insurance broker group serving brokers and corporate clients. Comparable as a French insurance intermediary focused on distribution partnerships and B2B brokerage services.
Broad incumbents
- Hiscox: Specialty insurer and broker serving professional and property risks including landlord and property-related lines. Comparable in specializing in property and small-commercial insurance and supporting distribution partners.
- April Group: Established French insurance brokerage and wholesale distributor with broad product lines and partner-network distribution. Comparable in broker/distributor role, though significantly larger and more diversified than INSURED Services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
INSURED Services social profiles
Digital presenceINSURED Services compliance and trust
Trust signalCompliance4 records
INSURED Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
INSURED Services leadership team
Management profileNumber of profiles
Profiles1 record
INSURED Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
INSURED Services 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 INSURED Services
What does INSURED Services do?
INSURED Services is a digital wholesale broker (courtier grossiste) that designs, distributes, and manages property & casualty (IARD) insurance products for individual landlords and real estate professionals. It delivers its offerings through a network of partner brokers and via proprietary APIs embedded into PropTech platforms, administering over 120,000 policies across France and Europe.
Is INSURED Services a public or private company?
INSURED Services is a private company. It is classified as corporate owned and is currently operating.
When was INSURED Services founded?
INSURED Services was founded in 2015. It employs 11 to 50 people.
Where is INSURED Services based?
INSURED Services is headquartered in Toulouse, France, in the Europe region.
How does INSURED Services make money?
Two revenue lines are on record. Insurance Distribution Commissions are the primary driver. The others are policy Management Fees.
Who are INSURED Services's main competitors?
Emerging players on record are Wakam, Luko, Wefox and Getsafe. Assurland is listed as a regional player. Direct peers are LeLynx, Solly Azar and CEGEMA. Broad incumbents are Hiscox and April Group.
Does INSURED Services have an API?
Yes. INSURED Services offers proprietary APIs for PropTech solutions. These APIs are designed for custom integration with partner systems and existing tools. The API solutions are built in direct collaboration with insurance companies and adapted to specific requirements. Documentation can be downloaded via the PropTech page after providing professional email address. Developer documentation is at www.insured.fr/proptech.
What industry is INSURED Services in?
INSURED Services's product category is Insurance Brokerage (Property & Casualty). Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 52421 and its SIC code is 6411.