GFA Caraïbes

Name

GFA Caraïbes

Legal name

GFA Caraïbes

Website

https://gfacaraibes.fr

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Carriers and Related Activities (524), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (52421)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Property casualty insurance
• Health insurance products
• Life insurance savings
• Professional liability insurance
• Commercial auto insurance

Headquarters

HQ city

Fort-de-France

HQ country

Martinique

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Property & Casualty: Core revenue from property and casualty insurance policies including auto, home, pleasure craft, and multi-risk insurance for individuals and professionals. Revenue generated through recurring premium payments on insurance contracts.
2. Health Insurance Premiums: Revenue from complementary health insurance (individuelle and collective/enterprise) including La Santé Caraïbes and La Santé Entreprise products. Generates recurring premiums from both individual and business customers.
3. Life Insurance / Savings Products: Revenue from life insurance and savings products including Generali Vie Platinium and retirement plans. These products generate premium income and potentially administrative/subscription fees.
4. Professional Insurance Products: Revenue from commercial policies including 100% Pro multi-risk, professional liability, auto fleet, and construction insurance (BTP). Targets small businesses and professionals in Antilles-Guyane.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

GFA Caraïbes is a regional insurance company in the French Antilles and Guyane that underwrites and distributes personal lines (auto, home, health, life, civil liability, funeral) and professional lines (multi-risk professional, corporate health, fleet auto, construction/BTP, professional civil liability) insurance products. Operating as a subsidiary of Generali France, the company distributes through its own advice centers (Espace Conseil), general agents, partner garages, and a digital customer portal, serving individuals, professionals, and small businesses across Martinique, Guadeloupe, and Guyane.

Product overview

GFA Caraïbes is a local insurance company operating in Martinique, Guadeloupe, and Guyane as a subsidiary of Generali France. The company offers a comprehensive portfolio of insurance products organized into personal insurance (auto, home, boat, health, life insurance, pension/retirement, civil liability, funeral insurance) and business/professional insurance (professional auto, multi-risk business insurance, corporate health, construction insurance, auto fleet). Key products include L'Auto GFA, Multirisque Habitation, Assurance Plaisance, La Santé Caraïbes, La Santé Entreprise (with G1-G5 formulas), L'Épargne Generali Platinium, and various professional multi-risk solutions like 100% PRO Artisans-Commerçants. The portfolio is distributed through direct agency branches, partner agencies, and an online client portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• NAGICOcoreStrategic or Co-development Partner · 14 August 2025GFA Caraïbes and NAGICO finalized their partnership agreement in damage insurance for the Antilles and Guyane market. Following exclusive negotiations announced earlier in 2025, the agreement was signed on August 14. This partnership consolidates GFA Caraïbes' property insurance activities in the region.
• SMABTPcoreStrategic or Co-development PartnerIn partnership with SMABTP, GFA Caraïbes offers specialized insurance solutions for the construction sector (BTP - Bâtiments et Travaux Publics) in Antilles-Guyane. SMABTP is a mutual insurance company specializing in construction risks.
• Generali FrancecoreOthersGFA Caraïbes is a subsidiary (filiale) of Generali France, part of the Generali Group. Generali is a leading European insurance group, registered in the Italian insurance groups registry under number 026.
• PIRAC (Plateforme d'Intervention Régionale en Amérique et aux Caraïbes)minorOthersPIRAC received a €13,000 donation from GFA Caraïbes for Saint-Vincent disaster relief. PIRAC was created in 2005 and ensures the link with the Red Cross during natural disasters in the Caribbean region.
• Surprise West IndiesminorOthersGFA Caraïbes has supported the Surprise West Indies sailing association for over 20 years, sponsoring water sports at a high level. The team has won multiple Melges 24 competitions.
• Women in Tech FranceminorGTM or Marketing PartnerGFA Caraïbes co-organized the Martinickathon 2025 innovation hackathon with Women in Tech France NGO. The 2-day event brought together 50 students and 10 mentors to develop innovative solutions for Martinique.
• ONG (Martinickathon)minorGTM or Marketing PartnerGFA Caraïbes co-organized the Martinickathon 2025 with a local NGO, focusing on youth innovation for Martinique's development. Event hosted 50 students and 10 mentors over 2 days.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Matmut: Large French mutual insurer with personal auto, home, and health offerings; comparable business model and customer base to GFA Caraïbes, with growing presence in French overseas territories.
• CNP Assurances: Leading French life and personal-risk insurer with deep presence in group health and protection products; competes with GFA Caraïbes's Generali-partnered life/savings and collective health offerings (La Santé Entreprise) for the same employer customers.
• Generali France: Direct parent company of GFA Caraïbes and the French operating arm of the Generali Group; offers the same personal and commercial P&C, health, and life insurance products that GFA Caraïbes distributes locally, with overlapping product architecture and reinsurance.
• Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole distributing P&C, health, and life insurance through banking channels across France and overseas territories; competing with GFA Caraïbes especially for individual savings and personal-lines products.
• Allianz France: French arm of global insurer Allianz offering comprehensive personal and commercial lines; competes with GFA Caraïbes across multiple product categories with broader geographic reach and digital capabilities.
• MACIF: Major French mutual insurer offering auto, home, health, and life insurance; operates in overseas territories and competes with GFA Caraïbes for the same French Caribbean personal-lines customers through multi-channel distribution.

Regional players

• SMABTP: French mutual insurer specialized in construction (BTP) risks that partners with GFA Caraïbes to serve the Antilles-Guyane BTP sector; comparable product focus and Caribbean presence but primarily metropolitan-French in orientation.

Direct peers

• NAGICO: Caribbean-focused insurer that entered a strategic partnership with GFA Caraïbes in 2025 to consolidate damage insurance in the Antilles-Guyane market; directly comparable regional property/casualty carrier serving overlapping Caribbean territories.
• AXA Antilles: Caribbean operations of AXA France offering auto, home, health, and life insurance to individuals and businesses across the French West Indies; competes head-to-head with GFA Caraïbes in the same geographic footprint with overlapping multi-line products.
• Groupama Antilles-Guyane: Regional arm of French mutual insurer Groupama serving Martinique, Guadeloupe, and Guyane; directly competes with GFA Caraïbes in personal auto, home, and health insurance for individuals and professionals in the same French Caribbean territories.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/gfa_caraibes
• Facebookfacebook.com/GFACaraibes
• LinkedInlinkedin.com/company/gfa-caraibes
• Instagraminstagram.com/gfacaraibes

Compliance1 record

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 GFA Caraïbes