CGA Conseils et Gestion en Assurances SA

What CGA Conseils et Gestion en Assurances SA does

CGA Conseils et Gestion en Assurances SA is an independent insurance brokerage and risk management advisory firm headquartered in Geneva, Switzerland, founded in 1995 and operating as a société anonyme under Swiss law. The company serves three primary business segments — property owners and real estate managers (2,000 insured buildings, CHF 10 billion portfolio, 25 régies immobilières partnerships), corporate enterprises (700 client companies), and pension funds (300 caisses de pension) — across Suisse Romande and, via the Trust Risk Control network, 180 countries internationally. CGA operates as a stipulating broker (courtier stipulateur), meaning it assumes full professional liability for errors and omissions, with CHF 5M of coverage and FINMA non-linked intermediary authorization (n° F01096002).

The firm's core technology is its proprietary product portfolio: CASAnova (all-risk building insurance including fire, water, earthquake, terrorism, and rent guarantee), PREVOR (occupational second-pillar pension insurance), ROUKY.CH (unpaid rent coverage), and TRILOGIA (non-standard risks). These branded offerings are distributed directly by CGA's sales force and managed through the Brokinweb client portal. Revenue is generated almost entirely through recurring insurance brokerage commissions paid by carriers, not fees billed directly to clients.

CGA has expanded modestly through M&A (ASSERCO joined the group in 2022) and infrastructure investments including a minority stake in EcoHub SA, a Swiss broker-insurer information exchange platform. With 24 employees, the company remains a regional boutique competing on independence, proprietary products, certified advisory talent, and regulatory-grade professional liability coverage rather than scale.

Name

CGA Conseils et Gestion en Assurances SA

Legal name

CGA Conseils et Gestion en Assurances SA

Website

https://cgaconseils.ch

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

CGA Conseils et Gestion en Assurances SA is an independent Geneva-based insurance brokerage serving real estate owners (2,000 buildings, CHF 10B portfolio), 700 corporates, and 300 pension funds in Suisse Romande, distributing proprietary products (CASAnova, PREVOR, ROUKY.CH, TRILOGIA) and operating as a stipulating broker with FINMA authorization.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Commercial Property Insurance (FSAJACAE)

Keywords

• Insurance brokerage services
• Business insurance advisory
• Real estate insurance
• Pension fund management
• Risk management consulting

Headquarters

HQ city

Genève, GE

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: CGA earns commissions from insurance companies for placing and managing insurance policies for clients. As an independent broker, they work with multiple insurers to negotiate optimal conditions.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

CGA Conseils et Gestion en Assurances SA is an independent insurance brokerage firm in Geneva that advises businesses, real estate owners, and pension funds on insurance needs and manages their coverage portfolios. The firm places insurance contracts with multiple carriers, handles claims management, and develops proprietary insurance products (CASAnova for buildings, PREVOR for pensions, ROUKY.CH for unpaid rents, TRILOGIA for non-standard risks) to address coverage gaps unavailable in the standard market.

Product overview

CGA Conseils et Gestion en Assurances SA operates as an independent insurance brokerage firm in Geneva, Switzerland, founded in 1995. The company offers a portfolio of proprietary insurance products including CASAnova™ (building insurance), PREVORTM (pension fund management), ROUKY.CH (unpaid rent insurance), and TRILOGIA.CH (special risk coverage). The core offering is complemented by comprehensive brokerage services for businesses, real estate properties, and pension funds, with international coverage capabilities through the Trust Risk Control network.

Differentiator

Problem solved

Functional benefit

Products and services

• CASAnova Building Insurance Proprietary all-risk building insurance product developed by CGA offering comprehensive coverage including fire, water damage, building deterioration, glass breakage, special risks (earthquake, terrorism, interior disturbances, bedbugs), and civil liability. Includes optional rent guarantee insurance. Designed for property owners and property management companies managing large building portfolios.
• PREVOR Second Pillar Insurance Proprietary pension solution for occupational benefits (BVG/LPP) created by CGA to address gaps in traditional second pillar coverage. Designed for pension funds (caisses de pension) and corporate clients seeking optimized occupational benefit solutions.
• ROUKY.CH Unpaid Rent Insurance Custom insurance solution for unpaid rents created by CGA to address risks not covered by existing contracts. Designed for landlords and property owners exposed to tenant default risk.
• TRILOGIA Insurance Products Proprietary insurance product line created by CGA for non-traditional coverage needs that are not normally covered by traditional insurers. Designed for clients with unique or specialty risk profiles.
• Insurance Brokerage Services Comprehensive insurance advisory and management services for real estate properties, businesses, and pension funds, including risk identification, contract optimization, claims management, and international coverage through the Trust Risk Control network across 180 countries. CGA acts as a stipulating broker (courtier stipulateur), assuming full responsibility for errors and omissions.

Quantifiable outcome

• 10 billion CHF real estate portfolio managed with 2,000 insured buildings and partnerships with 25 property management companies
• +1 more outcomes

Named customers3 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

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Trust Risk Control (TRC)coreStrategic or Co-development PartnerInternational brokerage network membership enabling CGA to mandate regional partners in 180 countries with coordinated reporting and follow-up. TRC distinguishes itself through its independence, quality infrastructure, and ability to manage all insurance branches internationally.
• FINMA (Financial Market Supervisory Authority)coreOthersRegulatory authorization as non-linked insurance intermediary (n° FINMA F01096002) ensuring compliance with Swiss financial market regulations and client protection standards.
• OAR (Organisme d'Autorégulation)coreOthersSelf-regulatory organization membership (intermediary financial n° 2334) for Swiss financial intermediaries.
• ACA (Association des Courtiers en Assurances)coreStrategic or Co-development PartnerFounding member and committee member. Active participation in promoting ethical principles of the profession and engagement in professional training.
• EFICERT (European Financial Certification Organisation)minorOthersEuropean certification organization for insurance intermediaries. Multiple CGA staff members hold EFICERT accreditation.
• AsSERCOminorStrategic or Co-development PartnerAsSERCO joined the CGA GROUP in 2022, expanding the group's capabilities and team.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Lockton: World's largest independent (privately held, non-carrier-aligned) insurance brokerage, with strong commercial property and specialty practices — the closest philosophical and operational analogue to CGA's independent broker positioning.
• Howden: Independent, employee-owned international insurance broker with a specialty and commercial property focus across Europe; a direct peer in being independent, specialty-driven, and European-headquartered.

Emerging players

• Acrisure: Tech-enabled, rapidly consolidating global insurance brokerage built largely through roll-ups of regional independents; relevant as both a potential acquirer of firms like CGA and as a competitor leveraging technology and scale.

Regional players

• Vaudoise Assurances: Swiss mutual insurer and broker active in Suisse Romande with property, corporate, and pension offerings; comparable as a regional player in the same Western Swiss market where CGA operates, though vertically integrated as a carrier.
• Helvetia Insurance: Swiss-headquartered composite insurer with strong property, corporate, and occupational pension (BVG/LPP) lines — competes with CGA for the same Swiss corporate and pension fund clients, especially in Suisse Romande.
• Groupe Mutuel: Swiss mutual group providing insurance and pension products across Suisse Romande — operates in the same regional market and overlaps with CGA's corporate and pension fund client base.

Broad incumbents

• Aon: Global insurance and reinsurance brokerage powerhouse offering commercial lines, risk advisory, and pension/benefits consulting across 120+ countries — the natural large-scale competitor for any independent broker serving mid-market and enterprise Swiss clients.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm combining insurance brokerage with actuarial and pension consulting — overlapping directly with CGA's pension fund (caisses de pension) and corporate risk practices.
• Marsh: World's largest insurance broker and risk advisor, with deep specialty and commercial property practices serving multinationals; directly comparable as the global benchmark CGA is differentiated against.
• Arthur J. Gallagher & Co. Large global insurance brokerage with a stated focus on mid-market and specialty commercial lines, including property — comparable in client segment (mid-market property owners and corporates) even though at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cga-conseils
• Instagraminstagram.com/cga_conseils

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 CGA Conseils et Gestion en Assurances SA