Courtier en assurance

What Courtier en assurance does

Courtier Assurance Marseille, operating under the legal entity SASU TAMEL, is an independent insurance brokerage (courtier en assurance) headquartered in Marseille, France, and registered with ORIAS under number 20002674. The firm serves both individual consumers (Particuliers) and professionals (Professionnels, auto-entrepreneurs, TPE/PME) across a broad catalog of more than 60 insurance products spanning personal lines (auto, moto/scooter/quad, home, health, prévoyance, travel, pet) and professional lines (RC Pro variants for real estate, IT, consulting, paramedical, marketing; decennial and dommages ouvrage; multi-risk commercial; fleet; cyber; director liability). Distribution combines four physical agencies across four Marseille arrondissements with an online quote and subscription platform and telephone-assisted sales.

The underlying technology is a standard insurance comparison and brokerage website (courtierassurancemarseille.fr) that aggregates quotes from partner carriers — notably APRIL, Groupama Gan Vie, PROBAT, Altima/NetVox, APRIL Marine, APRIL Moto, April International, and Zéphir Assur'Scolaire — and offers up to 20 offers on a single page. The platform supports online subscription for certain products, ongoing policy management, and exposure of regulatory credentials (ORIAS n°20002674). There is no proprietary AI/ML stack, no public or partner API, and no mobile application operated by the brokerage; ancillary digital services such as boat financing or mobile payment terminals (MyPOS GO) are referral partnerships rather than owned technology.

The business model is commission-based brokerage supplemented by standardised per-transaction management fees. The primary revenue stream is commissions paid by partner insurers for policies placed through the brokerage; the secondary stream consists of brokerage management fees of €19.90 TTC per subscription, €14.90 TTC per policy amendment, and €14.90 TTC per cancellation. Customer acquisition is sales-led, combining organic SEO, Google My Business presence, blog/educational content, telephone support, and walk-in traffic to the four physical branches. The firm is a single-shareholder SASU with no disclosed institutional capital, no parent company, no subsidiaries, and no external funding, operating exclusively within the Marseille market.

Name

Courtier en assurance

Legal name

SASU TAMEL

Website

https://courtierassurancemarseille.fr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Courtier Assurance Marseille (SASU TAMEL) is an independent multi-carrier insurance brokerage in Marseille, France, comparing up to 20 offers from partners such as APRIL, Groupama Gan Vie, and PROBAT, and serving individuals and small businesses across auto, home, health, and professional liability lines through four physical agencies and an online platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAN

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAEADAJ

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Insurance brokerage services
• Multi-product insurance comparison
• Professional liability insurance
• Motor and vehicle insurance
• Health and provident insurance

Headquarters

HQ city

Marseille

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Brokerage Commissions: Courtier earns commissions from insurance companies for placing policies. Revenue is derived from commissions on insurance contracts underwritten through partner insurers.
2. Management Act Fees: Fees charged for specific administrative acts: subscription fees (19.90€ TTC), amendment fees (14.90€ TTC), and cancellation fees (14.90€ TTC). These are one-time fees per transaction.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Courtier en assurance operates as an independent insurance brokerage firm based in Marseille, France, intermediating insurance contracts between customers and multiple partner insurers including APRIL, Groupama Gan Vie, PROBAT, and Altima Assurances. The firm compares up to 20 insurance offers on a single platform and distributes personal lines (auto, moto, habitation, santé, prévoyance, emprunteur) as well as professional lines (RC Pro, multirisque pro, décennale, flotte automobile, cyber risks). It serves both individual consumers and business clients through 4 physical agencies across Marseille and a complementary online platform with telephone-assisted sales.

Product overview

Courtier Assurance Marseille is a multi-product insurance brokerage platform offering a comprehensive portfolio of insurance products across personal and commercial lines. The platform operates as a comparison and brokerage service, offering products from multiple insurance partners including APRIL, Groupama Gan Vie, and PROBAT. The core offering spans auto/motor insurance (Assurance Auto, Moto, Collection vehicles), property insurance (Habitation, PNO, Dommages Ouvrage), professional liability insurance (RC Pro variants for real estate, IT, healthcare, wellness sectors), health and provident insurance, travel insurance, and specialty coverage for boats and sports. Supplementary services include loan insurance, fleet management, cyber risk coverage, and ancillary services such as mobile payment terminals (TPE Mobile MyPOS GO). The platform serves both individual consumers and businesses through an online platform with 4 physical agency locations in Marseille, featuring fee-based brokerage services for subscription, amendments, and cancellations.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Assurance Auto) Car insurance offering multiple coverage levels including options for young drivers, seniors, and drivers with difficult histories, distributed through partner insurers.
• Premium Auto Insurance (Assurance Auto Premium) High-end vehicle insurance for experienced drivers aged 28 and above covering vehicles up to €200,000, including VIP assistance and concierge services.
• No-License Auto Insurance (Assurance Auto Sans Permis) Vehicle insurance for drivers without a valid license, with suspended licenses, or with poor driving records.
• Motorcycle Insurance (Assurance Moto) Motorcycle and scooter insurance with modular subscription options, covering vehicles from 125cc starting from €1 per month, provided through APRIL Moto.
• Quad and SSV Insurance (Assurance Quad) Quad and side-by-side vehicle insurance covering 50cc models from age 14 and all quad models and buggies up to €26,000.
• Electric Scooter Insurance (Assurance Trottinette Électrique) Electric scooter insurance from APRIL Moto covering users aged 18 and above for vehicles limited to 25 km/h, with Solo and Family formulas.
• Collection Motorcycle Insurance (Assurance Moto Collection) Insurance for classic motorcycles over 9 years old used for leisure and collection purposes, with no geographic or kilometer limitations.
• Collection Car Insurance (Assurance Auto Collection) Insurance for classic cars over 9 years old used for leisure, offering vehicle loan flexibility and no designated driver requirements.
• Motorhome Insurance (Assurance Camping Car) Insurance for motorhomes and converted vans with 24/7 assistance, theft coverage, driver protection, and three formula options.
• Boat Insurance (Assurance Bateau) Complete boat insurance including multirisque coverage, liability, equipment protection, water sports coverage, and 24/7 assistance via APRIL Marine app.
• Jet-Ski Insurance (Assurance Jet-Ski) Complete jet-ski and water sports insurance covering driver, passengers, equipment, and optional towed activity coverage.
• Boat Financing (Financement Bateau) Boat financing through LOA (Lease with Option to Buy) or pleasure credit with 50% VAT reduction on new boats over 5 meters.
• Home Insurance (Assurance Habitation MRH) Homeowners and tenants insurance covering primary and secondary residences up to 12 rooms.
• Non-Occupant Owner Insurance (PNO) Landlord insurance for non-occupying property owners with no deductible on claims, up to 12 months loss of rent coverage, and legal protection.
• Building Damage Insurance (Dommages Ouvrage) Building insurance from PROBAT covering construction or renovation of individual homes for 10 years against structural defects, for projects costing €30,000 to €500,000.
• Ten-Year Professional Liability Insurance (RC Décennale) Mandatory decennial liability insurance for construction professionals including artisans, engineers, pool builders, and waterproofing specialists, provided by PROBAT.
• Real Estate Professional Liability (RC Pro Agent Immobilier) Professional liability insurance for real estate agencies covering financial consequences of professional errors, negligence, or omissions.
• Finance and Wealth Professional Liability (RC Pro Finance & Patrimoine) Professional liability insurance for financial advisors and wealth managers covering civil liability, financial guarantees, and director liability.
• Consulting Professional Liability (RC Pro Conseil) Professional liability insurance for consulting professionals starting from €390/year with online subscription up to €1 million coverage.
• IT Professional Liability (RC Pro Informatique) IT professional liability insurance covering consequences of errors, faults, or omissions including data loss, virus transmission, and performance issues.
• Paramedical Professional Liability (RC Pro Paramédicales) Professional liability insurance for paramedical professions meeting Fourcade law requirements, starting from €160/year.
• Marketing and Communication Professional Liability (RC Pro Marketing et Communication) Professional liability insurance for marketing and communication professionals covering copyright, image rights, and privacy violations.
• Wellness Professional Liability (RC Pro Bien-être) Professional liability insurance for wellness practitioners starting from €280/year, covering up to 5 activities and 10 practitioners.
• Traders Multi-Risk Insurance (Multirisque Commerçants Modulo Pro) Business multi-risk insurance for traders covering civil liability, professional property, and client-confided goods with customizable options.
• Office Multi-Risk Insurance (Multirisque Bureaux) Multi-office professional insurance covering professional premises, contents, and civil liability with 24/7 damage assistance.
• Cycle Delivery Professional Liability (RC Pro Livraison Cyclo) Professional liability insurance for cycle delivery services covering restaurants and service deliveries, with attractive rates for fleets up to 20 vehicles.
• Fleet Automobile Insurance (Assurance Flotte Automobile) Fleet automobile insurance for businesses with 4+ vehicles covering light vehicles, motorcycles, trucks, trailers, and construction equipment, provided by Altima Assurances/NetVox.
• Public Goods Transporters Insurance (TPM) Public goods transporters insurance covering traditional, refrigerated, tank, exceptional transport, and moving companies for fleets up to 100 vehicles.
• Public Passenger Transport Insurance (TPV) Public passenger transport insurance complementing mandatory civil liability with driver, vehicle, and passenger assistance options.
• Own-Account Transport Insurance (TPPC) Own-account transport insurance for businesses delivering goods with their own vehicles, available from the 4th vehicle.
• Short-Term Vehicle Rental Insurance (LCD) Short-term vehicle rental insurance allowing companies to group light vehicles under one contract from 5 vehicles.
• Cyber Risk Insurance (Assurance Cyber Pro) Cyber risk insurance (APRIL Cyber Pro) covering financial consequences of cyber attacks, data loss, and business interruption for businesses.
• Directors and Officers Liability Insurance (RC des Dirigeants) Directors and officers liability insurance covering legal defense costs and damages for company leaders with turnover under €10 million.
• Loan Insurance (Assurance de Prêt) Loan insurance from APRIL covering death, disability, and job loss risks for mortgage and personal loans, with potential savings up to €15,000.
• Individual Health Insurance (Assurance Santé Actif) Individual health insurance (APRIL Santé Actif) offering 5-level coverage with optional hospital and optical/dental supplements, including telemedicine.
• Senior Health Insurance (Assurance Santé Globale +) Health insurance specifically designed for people over 50 with 6 guarantee levels and a Comfort and Well-being option.
• Pet Health Insurance (Assurance Santé Animale) Pet health insurance covering veterinary expenses and well-being for dogs and cats.
• Professional Health Insurance (Santé PRO Premium) Professional health insurance (Santé PRO Premium by Groupama Gan Vie) with 4 guarantee levels, Madelin law eligibility, and 24/7 telemedicine.
• Professional Provident Insurance (Prévoyance Professionnelle) Professional provident insurance from APRIL with fixed indemnification, covering back and psychological pathologies with no exclusions.
• Key Person and Partners Insurance (Homme Clé et Associés) Key person and partners insurance covering business continuity and stock buyout in case of death or disability of essential personnel.
• Director Unemployment Insurance (Garantie Chômage des Dirigeants) Director unemployment insurance covering up to 21 months with immediate adhesion using SIRET number and no union membership required.
• Death and Disability Provident Insurance (Prévoyance Décès) Death and disability provident insurance (Tempo Décès APRIL) with capital from €15,000 to €1 million, exempt from succession taxes.
• Funeral Expense Insurance (Prévoyance Obsèques) Funeral expense insurance providing €2,000 to €12,000 capital to cover funeral costs and protect family members.
• Daily Life Accident Insurance (Accident de la Vie) Daily life accident insurance from APRIL covering domestic accidents, sports injuries, medical accidents, natural disasters, and assaults.
• Vacation Insurance (Assurance Vacances) Vacation insurance for trips up to 92 days for residents of France or EU under 75, with cancellation and multirisque options.
• Annual Multi-Trip Travel Insurance (Grand Voyageur) Annual multi-trip insurance for frequent travelers covering trips up to 45 days, including cancellation, medical expenses up to €150,000, and repatriation for €250/year.
• Repatriation Assistance (Assistance Rapatriement) Repatriation assistance for short trips covering medical expenses up to €300,000 and providing visa documentation.
• Group Travel Insurance (Voyage en groupe) Group travel insurance for trips up to 31 days covering cancellation, assistance, medical expenses up to €100,000, and baggage.
• Schengen Visa Insurance (Assurance SCHENGEN) Schengen visa insurance covering stays up to 92 days, required for visa applications, provided by April International.
• School Liability Insurance (RC Scolaire) School insurance from Zéphir Assur'Scolaire covering children, students up to age 28 during school and extracurricular activities worldwide.
• E-Sport Insurance (Assurance E-Sport) E-sport insurance from APRIL International covering amateur and professional players and organizers.
• Multi-Sport Insurance (Assurance Multisport) Multi-sport insurance covering amateur and professional athletes for various sports including diving, skiing, tennis, and horseback riding.
• Brokerage Management Act Fees (Frais de courtage à l'acte de gestion) Standardized brokerage fees for administrative acts: subscription fee €19.90 TTC, amendment fee €14.90 TTC, and cancellation fee €14.90 TTC.
• Mobile Payment Terminal Service (TPE Mobile MyPOS GO) Mobile payment terminal service in partnership with TPE Carte Bancaire featuring pocket-sized design, free data SIM, and 1.69%+€0.05 transaction fees for merchants.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and secondary.

• APRILcoreTechnology or IntegrationMajor insurance partner providing auto, moto, health, professional liability, travel, and specialty insurance products through the brokerage platform. APRIL products include RC Pro, santé, prévoyance, and cyber insurance offerings.
• Groupama Gan ViecoreTechnology or IntegrationInsurance provider for professional health insurance (Santé PRO Premium) designed for business owners and self-employed workers (TNS).
• PROBATcoreTechnology or IntegrationDecennial insurance specialist providing RC Décennale products for artisans, craftsmen, and construction professionals including specific coverage for plumbers, electricians, and general contractors.
• Altima Assurances (NetVox)secondaryTechnology or IntegrationFleet automobile insurance specialist partnered with NetVox to provide commercial fleet coverage for businesses with 4-20 vehicles including light vehicles, trucks, and construction equipment.
• APRIL MarinesecondaryTechnology or IntegrationMarine and boat insurance provider offering coverage for boats, jet-skis, and water sports with 24/7 assistance and specialized services.
• APRIL MotocoreTechnology or IntegrationTwo-wheeled vehicle insurance specialist with 30+ years experience covering scooters, motorcycles, quads, and electric scooters with over 140,000 policyholders.
• April InternationalsecondaryTechnology or IntegrationInternational travel insurance provider for visa requirements, Schengen coverage, and expatriate health coverage for international stays.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• LeLynx.fr: LeLynx.fr is one of France's largest online insurance comparison platforms, aggregating offers from multiple insurers across auto, home, health and more. It is a direct comparable to Courtier Assurance Marseille's comparison model, but operates at national digital scale rather than a single-city physical footprint.
• Hyperassur: Hyperassur is a French online insurance comparison platform offering quotes across multiple lines and carriers. It competes directly with Courtier Assurance Marseille for digital comparison customers but with stronger SEO-driven traffic and a national footprint.
• Assurland: Assurland is a long-established French online insurance aggregator comparing offers across multiple carriers and lines (auto, home, health, life). Comparable to Courtier Assurance Marseille in intermediation model but with national reach and substantially larger customer acquisition volumes.
• A comme Assure: A comme Assure is a French online insurance broker specializing in RC Pro, décennale, and professional insurance, comparing multiple carriers. Direct comparable to Courtier Assurance Marseille's professional lines brokerage, particularly relevant for SME and artisan segments.
• Meilleurtaux Assurances: Meilleurtaux Assurances is the brokerage arm of the Meilleurtaux group, comparing insurance offers (auto, home, health, loan) from multiple insurers online and via advisors. Comparable business model to Courtier Assurance Marseille with both digital and advisory channels.

Broad incumbents

• Allianz France: Allianz France is a major insurer offering personal and commercial lines (auto, home, health, professional) through direct digital channels and agents. Comparable as a broad incumbent competing with regional brokers on both price and brand recognition.
• Groupama: Groupama is a major French mutual insurer operating a regional agency network across the country, including a Santé Pro product offered through Courtier Assurance Marseille. Comparable as a broad incumbent with hybrid online/agency distribution in overlapping lines (auto, home, health, professional).
• AXA France: AXA France is one of France's largest insurers with direct-to-consumer digital channels and an agency network across multiple lines (auto, home, health, professional). Comparable as a broad incumbent whose direct offerings compete with independent brokers like Courtier Assurance Marseille.
• APRIL: APRIL is one of Courtier Assurance Marseille's core carrier partners and a leading French insurance broker specializing in niche and professional lines (health, RC Pro, travel, marine, moto). As a national specialty broker, it is a broader incumbent comparable in product portfolio and target market.

Emerging players

• Magnifica Assurances: Magnifica Assurances is a smaller French online insurance broker focused on comparing offers from multiple carriers across personal and professional lines. Comparable in intermediation model but at a smaller scale and earlier growth stage, with similar online-led distribution rather than a physical agency network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/courtier-en-assurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Courtier en assurance