What Eleo Assurances does

Eleo Assurances is a French insurance brokerage firm (SAS) founded in 2007 and headquartered in Aix-en-Provence, operating under ORIAS registration n° 07 025 559 and ACPR supervision. The firm sells itself as an embedded risk management partner rather than a transactional broker, organized around a five-stage methodology — Analyze, Elaborate, Negotiate, Adapt, Defend — that combines prevention, self-insurance retention, and insurance transfer into bespoke multi-line programs for French businesses of all sizes and sectors.

The product portfolio spans three competency poles: enterprise risk protection (12 lines including multi-risk property, business interruption, civil and D&O liability, fleet and mission auto, goods-in-transit, all-risk construction and decennial liability, key person, and cyber); employee protection (collective provident and supplementary health); and VIP personal lines for business owners (home, auto, loan, and self-employed health). The firm does not operate a proprietary technology platform; client-facing digital tools are outsourced to delegated third-party administrators GFP and Génération for health and provident claims.

The business model is a consultative, sales-led brokerage targeting French enterprises and their employees, with headquarters-based advisory serving clients distributed across national territory and select international exposures. Revenue is generated through carrier commissions embedded in premiums, management fees for delegated services, and disclosed advisory honoraria, with all pricing bespoke and no standardized tiers. Distribution operates exclusively through direct advisory sales, supported by an independence positioning (no capital ties to insurers) and access to a panel of 20+ carriers spanning major groups, mutuals, provident institutions, and specialty insurers, with a stated minimum of three insurer consultations per client tender.

Name

Eleo Assurances

Legal name

ELEO ASSURANCES

Website

https://eleo-assurances.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Eleo Assurances is a French insurance brokerage firm headquartered in Aix-en-Provence that designs bespoke multi-line risk management and insurance programs for French businesses of all sizes, drawing on a 20+ insurer partner panel and a five-stage advisory methodology spanning enterprise, employee, and personal coverage.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Commercial insurance brokerage
• Enterprise risk management
• Business insurance solutions
• Employee benefits insurance
• Corporate liability coverage

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance distribution commissions: Eleo Assurances earns commissions (included within insurance premiums) from insurance companies and wholesale brokers for distributing insurance products to clients. This is the primary revenue stream for the brokerage.
2. Management fees for delegated services: Fees charged when insurers or wholesale brokers delegate claims management or administrative functions to Eleo Assurances under service agreements. These fees supplement commission income.
3. Advisory and honorarium fees: Fees charged to clients for advisory services, with amounts disclosed to the client prior to signing insurance contracts. These fees do not negatively affect service quality or the broker's obligation to act in the client's best interest.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Eleo Assurances is an independent French insurance brokerage firm that advises businesses and places commercial insurance contracts across property, liability, fleet, construction, cyber, employee benefits, and personal lines. It operates a five-stage risk management methodology (Analyze, Elaborate, Negotiate, Adapt, Defend) combining prevention, self-insurance retention, and insurance transfer, consulting a minimum of three insurers per client request through its panel of 20+ insurance partners.

Product overview

Eleo Assurances operates as a unified insurance brokerage platform offering a comprehensive portfolio of 16 distinct insurance products organized across three core competency areas. The core business protection offerings include multi-risk insurance (Multirisque), business interruption (Perte d'exploitation), civil liability, directors' liability (RCMS), fleet and mission auto insurance, goods-in-transit coverage, construction all-risk and ten-year liability policies, key person insurance, and cyber risk protection. The employee protection division provides collective provident fund and supplementary health insurance managed through third-party administrators. The VIP personal insurance module extends coverage to business owners' personal assets including home, auto, and loan insurance. The platform's five-stage methodology—Analyze, Elaborate, Negotiate, Adapt, Defend—integrates these products into a holistic risk management approach combining prevention, self-insurance retention, and insurance transfer, positioning Eleo not merely as a policy distributor but as an embedded risk management function within client organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Multirisque (Multi-Risk Insurance) Comprehensive multi-risk insurance covering damage to buildings, production equipment, IT systems, and merchandise stock against fire, explosions, water damage, storms, vandalism, and natural disasters. Built for businesses across all sectors and sizes.
• Perte d'exploitation (Business Interruption Insurance) Insurance coverage for loss of gross margin and financial losses following destruction of production facilities, covering the period needed to rebuild and restore normal operations.
• Responsabilité civile (Civil Liability Insurance) Coverage for damages caused to third parties including bodily injury, property damage, and intangible damages. Includes operating liability (RC exploitation), employer liability, professional liability, and post-delivery liability.
• Responsabilité civile dirigeant (Directors & Officers Liability Insurance) Coverage for management liability including legal defense costs and financial consequences of management faults, covering negligence, regulatory violations, and breaches of company statutes.
• Flotte automobile (Fleet Insurance) Comprehensive vehicle fleet insurance covering company vehicles including commercial vehicles, executive vehicles, utility vehicles, trucks, and handling equipment with mandatory liability plus optional coverage.
• Auto mission (Mission Auto Insurance) Insurance coverage for employees' personal vehicles used occasionally for professional missions, covering third-party liability, all-risk damages, theft, fire, natural disasters, glass breakage, and driver protection.
• Marchandises transportées (Goods in Transit Insurance) Insurance coverage for goods during transport, indemnifying actual value rather than limited carrier liability. Covers 'all risks' or FAP SAUF (characterized accidents, theft, fire, natural catastrophes).
• Tous Risques Chantier (All-Risk Construction Insurance) Coverage for damages to construction works during the building period, including damage to final or provisional structures, materials, and equipment on site.
• Responsabilité décennale (Ten-Year Liability Insurance) Mandatory insurance for builders covering defects appearing within 10 years affecting structural integrity or building purpose, as required by French civil law.
• Dommages ouvrage (Structural Damage Insurance) Mandatory pre-financing insurance for repair work, indemnifying construction defect repairs before recourse against constructors under ten-year warranty.
• Homme clé (Key Person Insurance) Coverage compensating businesses for loss of key personnel due to death or disability, funding replacement costs, loan repayments, and reorganization expenses.
• Cyber risque (Cyber Risk Insurance) Coverage for cybercriminal acts and IT system attacks, including damage to infrastructure, data integrity breaches, liability for third-party damage, and extortion. Includes expert services, legal support, and crisis communication assistance.
• Prévoyance Collective (Collective Provident Insurance) Collective insurance covering death, disability, and work stoppage risks. Provides capital to beneficiaries, invalidity income, and daily allowances supplementing social security payments. Claims managed via delegated administrators GFP and Génération.
• Complémentaire santé (Supplementary Health Insurance) Customized complementary health coverage supplementing national health insurance. Covers hospitalization, dental, optical, and can include alternative medicine and new dental/optical techniques. Designed for companies with 15+ employees based on demographic analysis and collective bargaining obligations.
• Personal Insurance (Habitation, Automobile, Prêt) Personal insurance products for business owners covering their residence, vehicles, and loans, complementing their business risk coverage.
• Prévoyance/Santé TNS (Self-Employed Provident and Health) Custom insurance coverage for self-employed workers (TNS) protecting against accidents, illness, work stoppage, and disability. Includes death capital, accidental death option, spouse annuity, education annuity, and daily allowances.

Quantifiable outcome

• Companies distributing insurance via a minimum of 3 insurer consultations per client tender
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Four partnerships are on record, tiered core.

• GFP (Génération Frais de Santé)coreImplementation/ SI/ Consulting PartnerDelegated claims management partner for health and provident insurance since 2008. GFP handles day-to-day claims processing, reimbursements, and insured-facing digital tools (extranet, smartphone apps) for employees of Eleo Assurances' client companies. Recognized on the market for quality and rigor in management.
• GénérationcoreImplementation/ SI/ Consulting PartnerDelegated claims management partner for health and provident insurance since 2008. Génération handles healthcare reimbursements, third-party payer agreements, and digital services for insured employees. Known for innovation in health technology, preventive care programs, and psychosocial risk management support.
• ENDYAcoreStrategic or Co-development PartnerProfessional self-regulatory association for insurance brokers in France. Eleo Assurances is a member of ENDYA (10 rue Auber, Paris 75009), which is ACPR-approved under France's 2021 insurance broker reform (law of April 8, 2021, effective April 1, 2022). ENDYA provides ethical standards, professional development, and regulatory alignment for member brokers.
• Planète CSCA (Chambre Syndicale des Courtiers d'Assurances)coreStrategic or Co-development PartnerProfessional union representing insurance brokers in France. Eleo Assurances is a member of Planète CSCA (10 rue Auber, 75009 Paris) and adheres to its Code of Ethics approved by the national council on November 7, 2023. CSCA also operates the mediation service for member broker-client disputes.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Filhet-Allard: French family-owned insurance broker and wealth manager serving enterprises and high-net-worth individuals across P&C, life, and employee benefits. Comparable to Eleo in its independent, relationship-driven distribution model and multi-line product offering targeting French businesses and their owners.
• Alptis: French mutual insurance group offering brokerage and direct insurance products in health, prévoyance, and P&C to individuals, self-employed professionals, and small businesses. Comparable to Eleo in the French insurance intermediary market, particularly in the TNS prévoyance/santé and personal coverage segments.
• Bessé: French independent broker specializing in enterprise risk, insurance, and employee benefits for mid-cap and large French corporates. Comparable to Eleo given shared focus on bespoke B2B risk advisory, multi-insurer panel approach, and concentration on the French enterprise market.
• Verspieren: French independent insurance broker specializing in enterprise risk management, employee benefits, and P&C for mid-market and large French companies. Comparable to Eleo due to similar independent distribution model, multi-line product portfolio, and focus on bespoke risk advisory for French enterprises.
• Diot-Siaci: One of the largest French independent insurance broker groups formed via the 2023 merger of Diot and Siaci Saint Honoré. Directly comparable to Eleo as a French-headquartered independent broker offering multi-line P&C, employee benefits, and risk advisory to enterprise clients across France.
• SPB: French insurance broker and affinity distribution specialist offering insurance and assistance services through partnerships with retailers, banks, and employee benefit platforms. Comparable to Eleo as a French B2B intermediary, though with a stronger focus on affinity/embedded distribution rather than direct enterprise advisory.
• Verlingue: French independent insurance broker (part of the Groupe Adelaïde group) offering P&C, employee benefits, and retirement solutions to French SMEs and mid-market companies. Comparable to Eleo in customer segment (French businesses), independent intermediary model, and multi-line advisory approach.

Broad incumbents

• Marsh France: French subsidiary of Marsh McLennan, the world's largest insurance broker. Operates broadly across enterprise risk, reinsurance, and consulting in France, serving many of the same enterprise segments Eleo targets but at significantly larger scale with global capability.
• WTW France: French subsidiary of Willis Towers Watson, a global advisory and brokerage firm. Competes with Eleo in the French enterprise brokerage market across P&C, employee benefits, and risk advisory, but with substantially broader international and consulting capabilities.
• Aon France: French operations of global broker Aon, providing risk management, insurance brokerage, and HR consulting to French enterprises. Competes with Eleo for enterprise brokerage mandates but offers a much broader portfolio including reinsurance brokerage and capital advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AssurancesEleo
• Facebookfacebook.com/ea1503
• LinkedInlinkedin.com/company/eleo-assurances

Compliance7 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 Eleo Assurances