Generali France

What Generali France does

Generali France is the French operating subsidiary of Assicurazioni Generali S.p.A., the Italian-founded global insurance group established in 1831 and publicly listed on the Milan Stock Exchange. The company serves approximately 8 million customers in France, split between more than 7 million individual households (Particuliers) and nearly 1 million professionals and businesses (Professionnels & Entreprises), making it one of the leading multi-line insurers in the French market. The French franchise is delivered through multiple legal entities — Generali France SA, Generali Vie, Generali IARD, and Generali Retraite — all headquartered in Paris.

The product portfolio spans the full insurance and financial services value chain. For individuals, Generali France offers home (Assurance Habitation), auto (Assurance Auto), pet, senior health (Complémentaire Santé Senior), personal accident, life insurance (Assurance Vie), and savings and retirement products (PER, épargne retraite). For professionals and businesses, the portfolio includes multi-risk business insurance, professional liability, cyber risk insurance, fleet auto, group health (Complémentaire Santé), and employee savings schemes. Specialized sub-brands include ARTE Generali for art insurance and Helmett Sport for equestrian insurance covering 650,000+ licensed riders. Distribution relies on a network of more than 800 agents across France, complemented by digital self-service channels (generali.fr website, Mon Generali mobile app on iOS/Android), and fintech distribution via the eToro partnership.

The underlying technology platform increasingly leverages Microsoft Azure OpenAI and Microsoft Copilot Studio, with more than 50 intelligent AI agents deployed across claims processing, marketing, and customer service operations, externally validated by the Dataiku 2025 Frontrunner Award in the Agentic AI & Governance category. The revenue model is based on recurring subscription premiums across P&C, health, savings/retirement, and pet lines. The company is executing a multi-year Boost 2027 strategic plan, evidenced by its March 2026 minority investment in AI6 Technologies, the January 2025 BPCE joint venture to create Europe's largest asset manager by revenue, and broad ecosystem partnerships with Microsoft, Dataiku, and eToro.

Name

Generali France

Legal name

Generali France

Website

https://generali.fr

Company type

Private

Founded year

1831

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Generali France is the French insurance subsidiary of Assicurazioni Generali S.p.A., serving 8 million customers across P&C, health, life, savings, and retirement lines through 800+ agents and digital channels in France.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Large Commercial Package (National Accounts) (FSAJAFAC), Traditional Long-Term Care (LTC) Insurance (FSAIAJAA), General Liability Insurance (FSAJAMAE)

Keywords

• Property casualty insurance
• Health insurance
• Life insurance
• Retirement savings plans
• Commercial insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance: Auto, habitation (home), boat, and professional business insurance products generating recurring premiums.
2. Health & Protection Insurance: Supplementary health insurance (complémentaire santé), accident protection (prévoyance), dependency, death, and funeral insurance.
3. Savings & Retirement Products: Life insurance (assurance vie), pension/retirement savings (épargne retraite), individual retirement savings plans (PER), and employee savings schemes (épargne salariale).
4. Pet Insurance: Insurance products for dogs, cats, and horses through partnership with Fédération Française d'Équitation.
5. Insurance Distribution Partnership: Partnership with eToro to offer insurance products in France, expanding distribution reach through fintech platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Generali France is a multi-line insurance provider selling personal and commercial insurance products and savings/retirement solutions to French individuals and businesses. Its core offerings include auto, home, health, life, pet, personal accident, mortgage credit, and multi-risk professional insurance, plus retirement savings plans and employee benefits. Products are distributed through a network of more than 800 agents and digital channels including the generali.fr website and the Mon Generali mobile app.

Product overview

Generali France operates as a comprehensive insurance and financial services provider offering a broad portfolio of products across personal and professional segments. For individuals (particuliers), the core offerings include home insurance (Assurance Habitation), auto insurance (Assurance Auto), supplemental health insurance (Complémentaire Santé Senior), life insurance (Assurance Vie), pet insurance (Assurance Chien et Chat), credit insurance (Assurance Prêt Immobilier), and personal accident coverage (Garantie des Accidents de la Vie). For professionals and businesses (Professionnels & Entreprises), the portfolio spans multi-risk business insurance (Assurance Multirisque Professionnelle), professional liability (Responsabilité Civile Professionnelle), cyber risk insurance, fleet insurance, group health coverage (Complémentaire Santé Professionnelle), retirement savings plans (Plan d'Épargne Retraite), and employee savings (Épargne Salariale). The company also operates specialized sub-brands including ARTE Generali for art insurance and offers digital services through its Mon Generali mobile application. The overall offering functions as a unified multi-line insurance platform with both individual and commercial products distributed through a network of over 800 agents.

Differentiator

Problem solved

Functional benefit

Brands

• ARTE Generali: Entity dedicated to art collection insurance, offering specialized protection and assistance solutions for art collectors
• Helmett Sport
• L'Équité

Products and services

• Assurance Habitation (Home Insurance) Home insurance coverage protecting against damages to property and belongings, including liability coverage for French households.
• Assurance Auto (Auto Insurance) Vehicle insurance covering liability, damages, and optional coverage for drivers and passengers.
• Complémentaire Santé Senior (Senior Supplemental Health Insurance) Supplemental health insurance designed for seniors, covering medical expenses not reimbursed by the French national health insurance, offered with 6 guarantee formulas.
• Assurance Vie (Life Insurance) Life insurance and savings product offering investment options with death benefit protection for individuals.
• Assurance Chien et Chat (Dog and Cat Insurance) Pet insurance coverage for dogs and cats, covering veterinary expenses and related costs.
• Assurance Prêt Immobilier (Mortgage Credit Insurance) Credit insurance protecting borrowers against death, disability, and unemployment, covering outstanding mortgage balances.
• Garantie des Accidents de la Vie (Personal Accident Guarantee) Personal accident insurance covering injuries occurring in daily life, providing compensation for damages.
• Prévoyance Famille (Family Protection Insurance) Family protection insurance offering death, disability, and related benefits for individuals and their families.
• Assurance Dépendance (Dependency Insurance) Long-term care insurance providing coverage in the event of loss of autonomy.
• Assurance Décès (Death Benefit Insurance) Death benefit insurance paying a lump sum to designated beneficiaries upon the policyholder's death.
• Assurance Obsèques (Funeral Insurance) Funeral insurance covering end-of-life arrangements and related expenses for the policyholder's family.
• Assurance Bateau de Plaisance (Pleasure Boat Insurance) Insurance coverage for pleasure boats and watercraft for individual owners.
• Assurance Cheval (Horse Insurance via FFE Licence) Horse insurance offered through the Fédération Française d'Équitation licence program covering licensed riders and equestrian activities.
• Épargne Retraite (Retirement Savings) Tax-advantaged retirement savings products for individuals building retirement income.
• Assurance Multirisque Professionnelle (Multi-Risk Business Insurance) Multi-risk business insurance covering property, liability, and operational risks for professionals and small businesses.
• Responsabilité Civile Professionnelle (Professional Liability Insurance) Professional liability insurance protecting businesses against claims from clients or third parties for damages caused in the course of professional activities.
• Assurance Cyber Risques (Cyber Risk Insurance) Cyber risk insurance covering data breaches, cyber attacks, and related operational and reputational damages for businesses.
• Assurance Homme Clé (Key Person Insurance) Insurance protecting businesses against the financial impact of losing a key individual to death or disability.
• Assurance Associés (Partner Protection Insurance) Insurance covering business partners against the financial consequences of death or disability of an associate.
• Complémentaire Santé Professionnelle (Group Health Insurance for Businesses) Group health insurance for businesses covering employee medical expenses and providing mandatory health coverage.
• Prévoyance Professionnelle (Business Protection Insurance) Protection insurance products for businesses covering death, disability, and related employee benefits.
• Plan d'Épargne Retraite (PER) Retirement savings plan offering tax advantages for individuals and professionals to build retirement income.
• Épargne Salariale (Employee Savings) Employee savings plans allowing companies to share profits with employees through collective investment vehicles.
• Complémentaire Santé Obligatoire (Mandatory Company Health Coverage) Mandatory employer-provided complementary health insurance for employees under French company obligations.
• Assurance Auto Professionnelle (Professional Auto Insurance) Auto insurance products designed for professional drivers and business vehicle use.
• Assurance Flotte Automobile (Fleet Insurance) Fleet insurance for businesses covering multiple vehicles under a single policy with consolidated coverage and management.
• ARTE Generali (Art Insurance) Specialized insurance entity of the Generali Group offering expert protection and assistance solutions for private art collectors, leveraging AI tools such as 'My Art Markets Trends' for market analysis.
• Mon Generali (Mobile Application) Mobile application allowing customers to manage contracts, declare claims, and access services 24/7, available on iOS and Android.

Quantifiable outcome

• 8 million insured customers trust Generali France
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core, minor and major.

• AI6 TechnologiescoreTechnology or Integration · 1 March 2026AI6 Technologies, an insurtech specializing in risk prevention and claims resolution optimization, raised nearly 4 million euros with participation from Generali France and SOCADIF Capital investissement. Generali intends to integrate AI6's solutions into its service chain to enhance operational performance, climate risk prevention, and claims processing efficiency as part of its Boost 2027 strategic plan.
• MicrosoftcoreTechnology or Integration · 1 February 2026Generali France built more than 50 intelligent agents using Microsoft Copilot Studio and Azure OpenAI to transform operations across claims processing, marketing, and customer service, demonstrating advanced AI adoption in the insurance sector.
• eTorominorChannel Partner/ Reseller/ Distributor · 1 May 2025eToro partnered with Generali to offer insurance products in France, leveraging the fintech platform's user base for insurance distribution.
• BPCEcoreStrategic or Co-development Partner · 1 January 2025BPCE and Generali announced their project to create Europe's largest asset manager by revenue, a global premier player, combining their asset management capabilities.
• Music Festivals (Rock en Seine, We Love Green, Les Inrocks)minorGTM or Marketing Partner · 1 January 2024Generali France partnered with major music festivals to promote prevention messages to festival-goers through interactive experiences covering health, safety, and environmental topics.
• Fédération Française d'Équitation (FFE)majorGTM or Marketing Partner · 1 January 2023Partnership since 1999 supporting equestrian sports development and rider protection. Generali sponsors the Open de France since 2002, the world's largest equestrian gathering with 2,100 clubs and 15,000 riders.
• Les Coqs FestifsminorGTM or Marketing Partner · 1 January 2023Partnership with Les Coqs Festifs, a LGBTQI+-friendly Parisian rugby club, illustrating Generali's commitment to diversity and social cohesion through sport.
• The Human Safety NetminorGTM or Marketing Partner · 1 January 2022Generali foundation helping vulnerable people, housed in the historic Procuratie Vecchie buildings in Venice, part of the Group's social responsibility initiatives.
• Helmett Sport (Subsidiary of Generali France)majorOthers · 1 January 2002Helmett Sport advises and insures equestrian riders covering nearly 650,000 licensed riders, numerous clubs, horse owners, and prestigious events including the Generali Open de France.
• Museums (Musée Jacquemart-André, Louvre, Grand Palais)minorGTM or Marketing Partner · 1 January 1997Cultural patronage of Italian art exhibitions in France including major exhibitions at Musée Jacquemart-André (Galerie Borghèse, Primitifs Italiens), Louvre (Donatello to Michelangelo sculptures), and restoration of Saint-Marc statue at Notre-Dame.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Matmut: Matmut is a French mutual insurer providing personal auto, home, health, and prévoyance products, directly competing with Generali France for individual and small-business customers across France.
• AXA France: AXA's French subsidiary is the largest multi-line insurer in France, offering the same breadth of personal and commercial P&C, health, life, and savings products through a comparable agent and digital distribution model, making it the most direct competitive comparison for Generali France.
• SwissLife France: SwissLife France focuses on life insurance, retirement savings, health, and P&C for individuals and professionals, directly competing with Generali France in life, health, and wealth-protection products.
• Allianz France: Allianz's French subsidiary offers a similarly comprehensive P&C, life, and health insurance portfolio to individuals and businesses, distributed through agents, brokers, and direct channels, positioning it as a head-to-head global-group competitor within France.
• Crédit Agricole Assurances: Crédit Agricole Assurances distributes personal and commercial insurance, savings, and retirement products through the Crédit Agricole banking network in France, with overlapping product lines (home, auto, health, life, retirement) and a comparable multi-segment customer base.
• Société Générale Insurance: Société Générale's insurance subsidiary (Sogécap and Antarius) distributes life insurance, retirement, and personal protection products through Société Générale's retail bank in France, directly competing with Generali France in life and savings distribution.
• CNP Assurances: CNP Assurances is one of France's largest personal insurance carriers, with strong positions in life insurance, retirement savings, and group health/protection, making it a direct competitor in Generali France's life, savings, and prévoyance lines.
• BNP Paribas Cardif: Cardif is the insurance arm of BNP Paribas, distributing savings, protection, and credit insurance products in France through the BNP Paribas banking network, with overlapping customer segments and product structures to Generali France's life, health, and creditor lines.
• La Banque Postale Assurances: La Banque Postale Assurances (CNP partnership-driven) distributes personal insurance, health, and retirement products through the La Banque Postale network in France, competing directly with Generali France in bancassurance-led personal lines.
• Covéa: Covéa is the mutual insurance group behind MAAF, MMA, and GMF, offering multi-line personal and commercial insurance in France through an agent and mutual-based model that competes directly with Generali France across P&C and protection lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/generalifrance
• YouTubeyoutube.com/user/generalifrance
• Facebookfacebook.com/GeneraliFrance
• LinkedInlinkedin.com/company/generali-france
• Instagraminstagram.com/generalifrance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Generali France