AIAC

What AIAC does

AIAC is a French multi-specialist insurance brokerage firm (SA aiac) headquartered at 14 rue de Clichy, Paris, operating under ORIAS registration N° 07 005 935 and ACPR supervision. Founded over a century ago (variously dated 1919 or 1920), the company serves businesses, condominiums, sports organizations, and employee groups across five specialist domains: Construction, Sport & Events, Immeuble (real estate/condominium), Entreprise (corporate), and Collectives (group health/prévoyance/retirement). Its product catalog spans approximately 15+ insurance lines, including mandatory construction coverage (décennale, Dommages-Ouvrage, TRC), multirisque immeuble, PNO, RC professionnelle, fleet, cyber, and group health.

The business model is a traditional brokerage commission model: AIAC places risks with French insurers and earns commissions, plus quittancement (premium processing) fees. Distribution is sales-led and channel-driven: clients reach AIAC via phone and website contact forms, and a wholesale broker (courtier grossiste) channel was added through the 2024-2025 acquisition of BA Assurances (Nogent-sur-Marne). The firm employs 11-50 staff organized into Direction, Experts Métier, and Responsables de Service, with dedicated Directeurs Associés per vertical.

In 2023, AIAC generated approximately €8 million in revenue. The acquisition of BA Assurances (€800K revenue) brings the group toward a €10 million revenue target, expands AIAC into complex real estate risks (aggravated risks, buildings under peril orders), and repositions it as a wholesale broker serving both end-clients and partner brokers. The firm is privately held, self-funded (share capital €306,000), and shows no technology or AI platform — its competitive position rests on regulatory licensing, century-old brand trust, specialist sector expertise, and direct insurer relationships.

Name

AIAC

Legal name

SA aiac

Website

https://aiac.fr

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

AIAC is a French multi-specialist insurance brokerage serving enterprises, condominiums, sports organizations, and employee groups across five verticals (Construction, Sport, Immeuble, Entreprise, Collectives), placing risks and earning commissions from French insurers.

Ownership category

akta.pro rank

Headquarters

HQ city

Clichy

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Insurance brokerage commissions: AIAC earns commissions (commissions) from insurance companies for placing risks and managing insurance policies. The company also charges quittancement fees (fees for processing premium payments).
2. Risk placement and policy management: AIAC places insurance risks with French insurance companies and provides ongoing policy management services, earning commissions from insurers.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

AIAC is a multi-specialist insurance brokerage firm (cabinet de courtage d'assurances) serving French businesses and groups across five specialist domains: Construction, Sport & Events, Immeuble (real estate/condominiums), Entreprise (corporate), and Collectives (employee benefits). The firm places insurance risks with French insurers, provides ongoing policy management, and handles claims management through delegated authority. AIAC also operates as a wholesale broker following its 2024 acquisition of BA Assurances.

Product overview

AIAC is a multi-specialist insurance brokerage firm serving enterprises and groupings in the French market since over a century. The company operates across five core business lines: Construction (assurance construction), Sport & Events (assurance sport), Immeuble (property/building insurance), Entreprise (business insurance), and Collectives (group insurance). Within these domains, AIAC offers specialized products including assurance décennale, multirisque immeuble, Tous Risques Chantier (TRC), assurance dommages-ouvrage, RC PRO, assurance copropriété, assurance PNO, assurance flotte automobile, assurance santé collective, prévoyance, and garanti loyers impayés. The company recently expanded through acquisition of BA Assurances, positioning itself as a wholesale broker for complex property risks.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Construction Insurance products for the construction industry covering contractors, property developers, architects, and building companies. Includes décennale (10-year warranty), multirisque, Tous Risques Chantier (TRC), and Dommages-Ouvrage coverage. Designed for maîtres d'ouvrage, maîtres d'oeuvre, and entrepreneurs needing to insure their works and cover their responsibilities.
• Assurance Sport & Évènements Insurance solutions for sports and event organizations including federations, clubs, organizers, and sports professionals. Covers civil liability, property, team protection, and event cancellation. Designed for sports federations, clubs (amateur and professional), organizers, practitioners, licensees, officials, and health professionals in sports.
• Assurance Immeuble Property insurance for condominiums and buildings including multirisque immeuble (MRI), assurance copropriété, and coverage for syndic and property management companies. Designed to secure the assets of condominium managers (syndics) and their mandants.
• Assurance Entreprise Business insurance covering RC PRO (professional liability), flotte automobile (vehicle fleets), transport insurance, cyber & fraud protection, and merchandise in transit. Designed to protect business balance sheets, assets, and responsibilities.
• Assurance Collectives Group insurance products including complémentaire santé (supplementary health), prévoyance (provident insurance for death/disability/incapacity), and retraite complémentaire (supplementary retirement) for companies and organizations. Designed to valorize HR policies through employee benefits.
• Courtier Grossiste (Wholesale Brokerage) Wholesale insurance brokerage service providing partner brokers (courtiers partenaires) with placement capacity for complex risks including aggravated risks (risques aggravés) and buildings under peril orders. Launched as a strategic expansion following the BA Assurances acquisition in 2024.

Quantifiable outcome

• 18% reduction in annual premium achieved for a 80-lot condominium in Lyon through contract audit and renegotiation

Named customers7 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• BA AssurancescoreStrategic or Co-development Partner · 1 September 2024AIAC acquired BA Assurances (based in Nogent-sur-Marne, founded 2011) to consolidate its position in the Île-de-France insurance market and expand into complex real estate risks, including aggravated risks (risques aggravés) and buildings under peril orders. BA Assurances generated €800K revenue; combined entity targets €10M revenue.
• ASCORAminorStrategic or Co-development PartnerAIAC partnered with ASCORA, a brokerage specialized in unpaid rent guarantees (GLI - Garantie Loyers Impayés), to offer competitive solutions to property managers for their rental portfolios. This partnership enhances AIAC's offering in the Immeuble domain.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bessé: Bessé is an independent French insurance and reinsurance broker serving mid-market and enterprise clients across P&C, construction, transport, and benefits. Directly comparable to AIAC in size range and multi-specialist French-market focus.
• SPVIE Assurances: SPVIE is a French multi-specialist insurance broker active in construction, enterprise, real estate, and collective benefits. Comparable to AIAC as a mid-sized multi-specialist French broker with similar vertical segmentation.
• Diot-SIACI: Diot-SIACI is one of the largest French-headquartered insurance brokers, offering multi-specialist coverage across enterprise, construction, real estate, and employee benefits. It is the most direct head-to-head mid-large competitor to AIAC in the French multi-specialist brokerage segment.
• Verspieren: Verspieren is a major independent French insurance broker with multi-specialist offerings across construction, real estate, enterprise, and sport/event risks. Closely comparable to AIAC's multi-specialist positioning and French SME/mid-market focus.
• Filhet-Allard: Filhet-Allard is a French multi-specialist insurance broker covering enterprise, construction, real estate, and individual lines. Comparable to AIAC in serving French mid-market clients with a multi-vertical, relationship-led brokerage model.

Regional players

• Alptis Assurances: Alptis is a French insurance broker/distributor focused on individuals, professionals, and small businesses. It is comparable to AIAC as a French multi-line broker, though with greater emphasis on individual/SME lines and a mutual association structure.

Broad incumbents

• Willis Towers Watson (WTW) France: WTW is a major global advisory and broking firm active in France across P&C, employee benefits, and risk management. Directly comparable to AIAC in serving enterprise and collective benefits clients, though at a much larger scale.
• Aon France: Aon is a leading global insurance and reinsurance broker with a substantial French presence. It competes with AIAC in the enterprise and risk-management segment, but offers a much broader portfolio including reinsurance broking and human capital consulting.
• Marsh France: Marsh is a global insurance broker and risk advisor with a large French operation. It is comparable to AIAC as a multi-line commercial and corporate insurance broker serving enterprises, but operates at vastly greater scale and breadth.
• Gras Savoye (now WTW): Gras Savoye, historically a leading French insurance broker, was acquired by WTW. It is comparable to AIAC as a historic French multi-specialist broker, now operating as part of a global platform but still a relevant French-market reference point.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/aiaccourtage
• LinkedInlinkedin.com/company/aiac
• Xx.com/chodement

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 AIAC