Alternative Courtage

What Alternative Courtage does

Alternative Courtage (legal entity AlterNative Courtage SAS) is a French independent insurance broker founded in 2015 by Pascal JOULIN and headquartered at 11 rue Charles Durand, 18000 Bourges, in the Centre-Val de Loire region. The firm is registered with Orias under n° 15001631 and operates as a courtier indépendant, meaning it is not tied to any specific insurer and earns commissions from carriers for placing contracts. It is structured as an SAS with €50,000 in share capital, is privately held and founder-controlled, and operates with approximately 15 staff.

The company serves French public and parapublic sector employers across three primary verticals: the Territorial Public Function (communes, departmental councils, intercommunal structures, public housing offices, public land agencies, Centres Départementaux de Gestion de la Fonction Publique), the Hospital Public Function (Centres Hospitaliers), and parapublic employers (including MSA). Its product portfolio consists of three core lines: Complémentaire Santé (complementary health insurance with configurable reimbursement levels), Complémentaire Prévoyance (provident insurance covering salary maintenance, disability, death, and education annuities), and Assurance Statutaire (statutory insurance protecting employers against financial risk from employee absences). Delivery combines on-site presentations, permanent sessions across client sites, customized HR-procedure-aligned workflows, and a digital client portal (Agence en Ligne at alternative-courtage-agenceenligne.com). Customer outcomes cited are over 4,500 employers and 100,000+ protected individuals.

Revenue is generated through recurring brokerage commissions on placed social protection contracts, with pricing tailored per employer (1 to 12,000 agents) and billed annually. Go-to-market is enterprise field sales into public-sector procurement cycles, supported by on-site consultation, customized communication materials, and professional-network referrals. The company reports no disclosed revenue, no funding rounds, no M&A, and no parent ownership; the short company description also references mortgage loan services, though this line is not substantiated in the detailed product data.

Name

Alternative Courtage

Legal name

AlterNative Courtage

Website

https://alternative-courtage.fr

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

French independent insurance broker founded in 2015 in Bourges, placing complementary health, provident, and statutory insurance contracts for over 4,500 public and parapublic sector employers covering 100,000+ individuals, earning recurring carrier commissions via a field-sales and digital-portal model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Insurance brokerage
• Social protection
• Complementary health insurance
• Provident insurance
• Statutory insurance

Headquarters

HQ city

Bourges

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker registered with Orias, AlterNative Courtage earns commissions from insurance providers for placing social protection contracts (health insurance, provident fund, statutory insurance) with public and parapublic employers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Alternative Courtage is an independent insurance broker that places and manages social protection contracts (complementary health insurance, provident insurance, and statutory insurance) for public and parapublic sector employers in France. The firm provides needs analysis, insurer sourcing, contract design, regulatory compliance guidance, ongoing contract management, and employee communication support, with a complementary online agency platform for digital contract administration.

Product overview

AlterNative Courtage is an independent insurance broker offering a portfolio of complementary health insurance (Complémentaire Santé), provident insurance (Complémentaire Prévoyance), and statutory insurance (Assurance Statutaire) products for public and parapublic sector employers. The company serves over 4,500 employers protecting more than 100,000 individuals through an online agency platform (Agence en Ligne). Their offerings are structured around three core product lines: health coverage, provident coverage, and statutory coverage, with support services including contract management, regulatory compliance guidance, and employee communication assistance.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over 4,500 employers and 100,000+ individuals protected

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Henner: French independent broker historically specialized in group health and prévoyance solutions for organizations, including public and parapublic employers — directly comparable in core products and in serving employer-sponsored social protection mandates.
• Malakoff Humanis: Major French social-protection group operating in the paritarisme-regulated sector, providing health, prévoyance and retirement coverage for public-sector and parapublic employer workforces — adjacent direct competitor in employer-sponsored social protection.
• Verspieren: Independent French insurance broker with a long-standing social-protection and employee-benefits practice serving public and corporate employers. Closely comparable in product mix (santé, prévoyance, statutaire) and in independent broker positioning, though significantly larger than AlterNative Courtage.
• Siaci Saint Honoré: Major French insurance broker with a dedicated social-protection division covering health, prévoyance and statutory insurance for corporations and public-sector institutions — overlapping directly on product suite and enterprise/mid-market clientele, but at far greater scale.
• Klesia: French social-protection group focused on health, prévoyance and retirement for regulated sectors including public-service employers — directly comparable in niche and in employer-sponsored coverage lines.
• Relyens: European mutual-like actor focused on social protection and risk management for healthcare and public-sector employers, covering health, prévoyance and statutory risks — directly comparable in target customers and core product lines.
• April Group: French insurance broker and distributor specializing in health, prévoyance and personal-insurance products for individuals and small/mid-sized businesses — overlapping on core brokerage products though more skewed to individual and SMB accounts than AlterNative Courtage.

Broad incumbents

• Marsh: French operations of Marsh, the global insurance broker, with risk and employee-benefits practices serving public-sector and large-employer clients — broad incumbent whose tenders overlap with the larger end of AlterNative Courtage's addressable market.
• Aon France: French arm of global broker Aon, offering risk, reinsurance and health & benefits brokerage including to public-sector clients — broad incumbent competing for the same large tenders, but with a much wider portfolio and global scale.
• WTW (Willis Towers Watson): Global advisory and brokerage firm with a French practice in group health, prévoyance and risk solutions for corporate and public-sector employers — broad incumbent with overlapping capabilities though not focused on the French public-sector mid-market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/alternativecourtage
• LinkedInlinkedin.com/company/alternative-courtage

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Alternative Courtage