Courtage Général d'Assurances

What Courtage Général d'Assurances does

Courtage Général d'Assurances is a privately held French insurance brokerage (legal entity SAS COURTAGE GENERAL D'ASSURANCES, registered in Nanterre, SIRET 818 792 723 000 12) operating from Boulogne-Billancourt with a secondary administrative establishment in Camarsac. Founded approximately in 2000 and active for around 24 years, the firm operates as an independent intermediary placing policies through 40 partnered insurance carriers and holds membership in SOFRACO, described as the first network of French brokers, which the firm uses to access collective group resources while preserving operational autonomy.

The firm runs a sales-led, consultation-driven distribution model that relies on direct outreach, website-driven quote requests, and phone contact to convert prospects. Its product portfolio covers roughly 20 categories across two horizontal segments. For individuals, offerings include mortgage (emprunt immobilier) insurance, multirisque habitation (MRH), non-occupant owner (PNO), life/retirement/savings (assurance vie, retraite, épargne), auto/motorcycle/boat, individual prévoyance, individual health mutuelle, dommage ouvrage construction insurance, and travel/student/expatriate cover. For businesses and professionals, the firm places group health (santé collective), collective prévoyance, professional liability (RC pro), key person cover (Homme Clé), director unemployment protection (GSC), employee savings plans (PEE/PERCO, intéressement, participation), retirement solutions under Madelin/Article 39/82/83, end-of-career and severance provisions, legal protection, and expatriate employee/business travel cover.

Commercially, the firm earns transaction-fee commissions from insurers on placed business; pricing is not publicly disclosed and is tailored per client. The technology stack is described as 'Not disclosed' with no proprietary features, no mobile app, no public API/SDK, and a Joomla-based corporate website. Regulatory credentials include ORIAS registration (16001867), CNIL registration (2126550 v 0), and mandatory Responsabilité Civile Professionnelle coverage with CNA HYALIN (policy FN5664-D137) under articles L512-6, R512-14, and A512-4 of the French Insurance Code.

Name

Courtage Général d'Assurances

Legal name

SAS COURTAGE GENERAL D'ASSURANCES

Website

https://courtage-general-assurances.fr

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Courtage Général d'Assurances is a privately held French independent insurance brokerage in Boulogne-Billancourt that places personal and business insurance across 40 carrier partners, serving individuals and SMEs via direct consultation under the SOFRACO broker network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Surety & Bond Brokerage (FSAEADAI)

Keywords

• Insurance brokerage services
• Commercial insurance solutions
• Personal insurance coverage
• Group health insurance
• Insurance advisory services

Headquarters

HQ city

Boulogne-Billancourt

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, Others

Revenue model

1. Insurance Brokerage Commissions: The company acts as an insurance broker earning commissions from partnered insurance companies. As a member of the SOFRACO network, Courtage Général d'Assurances accesses multiple carriers to provide tailored insurance solutions, earning commissions or fees from insurers for policies placed.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Courtage Général d'Assurances is an independent French insurance brokerage that advises, audits, and places insurance coverage on behalf of clients by leveraging relationships with 40 partner insurance companies. It serves both individual clients (auto, home, mortgage, life/savings, health, prévoyance, travel) and businesses/professionals (group health, collective prévoyance, professional liability, key person, director unemployment, employee savings, retirement schemes, legal protection) through separate advisory and placement services.

Product overview

Courtage Général d'Assurances is an independent insurance brokerage firm operating as a unified service offering rather than a platform architecture. The company provides insurance brokerage services across two primary segments—professionals/enterprises and individuals—leveraging relationships with 40 partner insurance companies. For enterprises, the portfolio includes group health insurance, collective prévoyance, professional liability, key person insurance, director unemployment protection (GSC), employee savings plans (PEE-PERCO), retirement solutions (Madelin, Articles 39, 82, 83), severance provisions, and expatriate coverage. For individuals, offerings encompass mortgage insurance, home insurance (MRH), non-occupant owner insurance (PNO), life and retirement savings, auto/motorcycle/boat insurance, personal prévoyance, health insurance, construction damage insurance (Dommage ouvrage), and travel/student/expatriate coverage. The company's value proposition centers on providing multiple insurance solutions from diverse carriers through independent advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance de prêt immobilier (Mortgage Insurance) Mortgage insurance covering borrower death, disability, and incapacity risks for real estate financing, placed with partner carriers for individual borrowers.
• Multirisque habitation (MRH) - Multi-risk Home Insurance Comprehensive home insurance covering property damage, liability, and related risks for homeowners and tenants, placed across partner carriers.
• Propriétaire Non Occupant (PNO) - Non-Occupant Owner Insurance Insurance covering liability and property risks for landlords who do not occupy their rental property, placed with partner carriers.
• Assurance vie, retraite, épargne (Life Insurance, Retirement, and Savings) Life insurance, retirement planning, and savings products for long-term financial security, placed with partner carriers for individual clients.
• Assurance auto, moto, bateau (Auto, Motorcycle, and Boat Insurance) Vehicle and watercraft insurance covering automobiles, motorcycles, and boats, placed across partner carriers for individual clients.
• Garantie de prévoyance (Personal Prévoyance Coverage) Personal accident and prévoyance coverage protecting individuals against life-changing events, placed with partner carriers.
• Mutuelle individuelle (Individual Health Insurance) Individual health insurance providing medical expense coverage, placed with partner carriers for individual clients.
• Dommage ouvrage (Construction Damage Insurance) Construction damage insurance mandatory for builders covering structural defects, placed with partner carriers for individual clients.
• Voyages, étudiants, expatriés (Travel, Student, and Expatriate Insurance) Specialized insurance for travelers, students, and expatriates covering international coverage needs, placed with partner carriers.
• Santé collective (Group Health Insurance) Group health insurance for businesses covering employees' medical expenses, placed with partner carriers for companies and professionals.
• Prévoyance collective (Collective Prévoyance) Collective prévoyance and death/disability coverage for employees, placed with partner carriers for businesses and professionals.
• Responsabilité civile professionnelle (Professional Liability Insurance / RC Pro) Professional liability insurance protecting businesses against third-party claims arising from professional activity, placed with partner carriers.
• Garantie Homme Clé (Key Person Insurance) Key person insurance protecting businesses against financial loss from death or incapacity of critical employees, placed with partner carriers.
• Chômage du dirigeant / GSC (Director Unemployment Protection) Director unemployment protection insurance (Garantie Sociale du Chef d'entreprise) covering business leaders against involuntary income loss, placed with partner carriers.
• Épargne salariale (PEE-PERCO, intéressement, participation) (Employee Savings Plans) Employee savings plans including PEE, PERCO, profit-sharing (intéressement), and employee participation schemes, placed with partner carriers for businesses.
• Retraite Madelin / Article 39 / Article 82 (Retirement Solutions for Self-Employed and Executives) Retirement solutions for self-employed professionals under the Madelin regime and executive retirement plans under Articles 39 and 82, placed with partner carriers.
• Retraite collective Article 83 (Collective Article 83 Retirement Plan) Collective retirement plan under Article 83 for employees with mandatory contributions, placed with partner carriers for businesses.
• Indemnités de fin de carrière et de licenciement (End-of-Career and Severance Pay Solutions) End-of-career and severance pay insurance solutions for managing employee departure obligations, placed with partner carriers.
• Protection juridique (Legal Protection Insurance) Legal protection insurance covering legal fees and assistance for businesses and professionals, placed with partner carriers.
• Salariés expatriés, voyages (Expatriate Employees and Business Travel Insurance) Insurance solutions for expatriate employees and business travel coverage, placed with partner carriers for businesses.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• SOFRACOcoreChannel Partner/ Reseller/ DistributorMembre du premier réseau de courtiers Français SOFRACO. The company leverages SOFRACO network membership for group benefits while maintaining operational autonomy. This membership enables access to network resources and collective purchasing power.
• 40 Insurance Companies (Partner Insurers)coreOthersThe cabinet works with 40 insurance company partners to provide diverse coverage options to clients. This multi-partner approach enables tailored solutions across all insurance needs, from personal lines to business coverage.
• CNA HYALINminorOthersProfessional liability insurance (Responsabilité Civile Professionnelle) provider for Courtage Général d'Assurances, policy number FN5664-D137, as required by French insurance regulations.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Verspieren: Independent French insurance broker with multi-line personal and commercial offerings. Closely comparable business model — independent broker working through a network of insurer partners to serve individuals, professionals, and enterprises — making it the closest mid-sized direct equivalent to CGA.
• Henner: Independent French broker specializing in health, prévoyance, and employee benefits, with international mobility and expatriate coverage. Directly overlaps with CGA's collective health, expatriate, and prévoyance practices.
• SPVIE Assurances: French insurance broker specializing in professional liability and group/individual health, prévoyance, and retirement. Comparable focus on serving liberal professionals and SMEs in France.
• Verlingue: Independent French insurance broker providing multi-line solutions to companies, professionals, and individuals, with practices across P&C, health, prévoyance, and retirement. Closely matched in size, scope, and target segments to CGA.
• SIACI Saint Honoré: French insurance and benefits broker focused on enterprises and professionals, with strong practices in collective health, prévoyance, retirement, and executive benefits. Directly comparable on the professional/enterprise side of CGA's book.
• April Group: French insurance broker and distributor offering multi-line personal and commercial coverage including health, prévoyance, mobility, and property. Comparable multi-channel broking model serving both individuals and businesses in France.

Broad incumbents

• Marsh: Global insurance broker and risk advisor (a Marsh McLennan business) with major operations across France. Competes directly with CGA on multi-line intermediation for French enterprises and high-net-worth individuals, but operates at vastly larger scale across all lines of business.
• Aon: Global professional services firm with a substantial French insurance brokerage and risk advisory practice. Overlaps with CGA across commercial P&C, professional liability, health & benefits, and risk advisory, serving both enterprise and mid-market clients in France.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with French operations (incorporating legacy Gras Savoye). Directly comparable multi-line broker competing for the same French enterprise, professional, and individual intermediation wallet.

Regional players

• COGEP: French multi-disciplinary group combining accounting, legal, and insurance brokerage for SMEs and individuals across regional France. Comparable on enterprise/professional intermediation though with broader non-insurance service lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/courtage-g%C3%A9n%C3%A9ral-d'assurances

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 Courtage Général d'Assurances