What Ediifice does

Ediifice is a French insurance brokerage firm (SASU) founded in 2023 and operating as a wholly-owned subsidiary of the SPVIE Assurances group, headquartered in Suresnes, Île-de-France. The firm focuses exclusively on construction and real estate insurance, serving a fragmented base of construction artisans, BTP companies, real estate professionals, property managers, and service providers with regulatory-bound coverage needs such as decennial and professional liability insurance. With approximately 7 employees and a €1,000 registered capital, Ediifice operates as a focused specialty broker rather than a generalist intermediary, and holds the ACPR and ORIAS registrations required to underwrite regulated French construction risks.

The company's core product set consists of four proprietary, co-constructed insurance products built jointly with named carriers: RCBAT+ with QBE (construction-sector professional liability), Multirisque Immeuble with CMAM (multi-risk building coverage), RC Prestataire de Service with Markel (service provider liability), and RC Agent Commercial Immobilier with AIG (real estate agent liability). These products are designed to address niche regulatory and risk-management requirements that off-the-shelf policies do not adequately cover, particularly under French decennial insurance obligations. Distribution runs through a dual-channel model — the digital self-serve "Espace Courtier" portal for standardized placements, paired with a traditional broker-partner and advisory network — backed by relationships with more than 10 insurance partners (QBE, Markel, AIG, CMAM and others).

Ediifice's revenue model is commission-based brokerage: insurers pay placement and renewal commissions on policies distributed through Ediifice, with standardized products priced from €95 to €200 per year and custom underwriting applied to larger or more complex risks. The firm does not disclose revenue, premium volume, or commission rates, and operates at sub-scale relative to the parent SPVIE Assurances group. There are no disclosed AI/ML, automation, or proprietary technology capabilities beyond the digital portal; the business is fundamentally a relationship-driven specialty broker leveraging carrier co-construction and regulatory specialization rather than a technology-led insurtech.

Name

Ediifice

Legal name

EDIIFICE

Website

https://ediifice.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Ediifice is a French specialty insurance broker (SASU subsidiary of SPVIE Assurances, founded 2023) that co-constructs construction and real estate liability products with carriers including QBE, Markel, AIG, and CMAM, serving artisans, BTP firms, real estate professionals, and service providers via a digital portal and broker network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Construction insurance brokerage
• Decennial liability insurance
• Real estate insurance
• Professional liability insurance
• Multi-risk property insurance

Headquarters

HQ city

Suresnes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Ediifice acts as an insurance broker (courtier), earning commissions from insurer partners for placing policies with clients. Revenue is derived from premiums written through the company's distribution network, including both direct digital sales and broker partner channels.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Ediifice is a specialized French insurance broker (courtier) that distributes and co-constructs proprietary insurance products for construction and real estate professionals. The company offers decennial liability, dommage-ouvrage, multi-risk property, professional liability, and unpaid rent guarantee products co-built with insurers including QBE, Markel, AIG, and CMAM, distributed through digital self-service, broker partner channels, and direct advisory sales across metropolitan France and overseas territories.

Product overview

Ediifice is a specialized insurance brokerage (courtier) focused on construction and real estate sectors, founded in 2023 as a subsidiary of SPVIE Assurances group. The company offers a comprehensive portfolio of insurance products organized around two core areas: construction insurance (including RCBAT+ decennial insurance co-built with QBE, Dommage-Ouvrage, Multirisque Professionnelle, Flotte Automobile) and real estate insurance (including Multirisque Immeuble co-built with CMAM, RC Professionnel Agent Co with AIG, and various other property-related coverages). The RC Prestataire de Service product is co-built with Markel. The company also offers specialized insurance for over 30 construction trades including electricians, plumbers, heating engineers, roofers, and building technical studies firms (BET), as well as specific coverages for photovoltaic installations, EV charging stations, and energy auditors. Ediifice operates a digital platform enabling online quotes, subscription, and certificate generation.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Décennale (RCBAT+) Mandatory decennial liability insurance for construction professionals, covering civil liability and the 10-year decennial warranty under Loi Spinetta. Co-built with QBE for construction companies with annual revenue between €500,000 and €2,500,000, with online pricing and instant quotation.
• Dommage-Ouvrage Structural damage insurance covering repair costs for defects occurring within 10 years of construction delivery, without needing to determine fault. Required by French law alongside decennial liability insurance.
• Multirisque Professionnelle Business multi-risk insurance covering professional activity, vehicles, and premises for construction companies under a single combined policy.
• Assurance Flotte Automobile Fleet vehicle insurance covering all company vehicles and drivers under a single policy for construction businesses.
• Multirisque Immeuble Building multi-risk insurance covering property damage, liability, indirect costs, and legal protection for owners, co-ownership syndicates, and property managers. Proprietary product co-built with CMAM, covering buildings from 150 m² to 10,000 m² with up to 25% commercial surface, LCI up to €19.9M, with a dedicated claims management team and 48-hour claims opening.
• RC Professionnel Agent Commercial Immobilier Professional liability insurance for commercial real estate agents, compliant with Loi Alur (March 2014), offered in partnership with AIG with two guarantee formulas: €95/year or €200/year. Includes non-consecutive immaterial damage coverage and key coverage for agents exclusive or non-exclusive to an agency.
• RC Prestataire de Service Service provider professional liability insurance covering nearly 1,000 activities across 5 families (Consulting/Service to Companies/Education/Training; Well-being; IT and Technologies; Media; Services to Persons). Co-built with Markel for auto-entrepreneurs and companies with annual revenue up to €500,000, priced at €199.95/year. Includes optional add-ons for cyber-risk, director liability, and key-person guarantee.
• Garantie Loyers Impayés Unpaid rent guarantee insurance protecting property owners against tenant default.
• RC Professionnel Promoteur Immobilier Professional liability insurance specifically designed for real estate developers covering construction project risks.
• RC Marchand de Biens Professional liability insurance for property traders who invest, renovate, and resell real estate for profit.
• RC Décennale Contractant Général Specialized decennial insurance for general contractors covering both design and execution responsibility, including subcontractor default coverage.
• RC Décennale Maître d'Œuvre Decennial insurance for construction project managers covering design, execution, and coordination responsibilities.
• Assurance BET (Bureaux d'Études Techniques) Decennial insurance for technical engineering firms covering structure, thermal, geotechnical, fluid, and envelope specialties.
• RC Décennale Entreprise Générale du Bâtiment Decennial insurance for general building contractors covering all building trades under a 'tout sauf' (all-risk except) contract structure.
• RC Décennale Photovoltaïque Specialized decennial insurance for photovoltaic/solar panel installers, including coverage for installations and grid connections, with a minimum €500,000 annual revenue requirement.
• RC Global Immo Global real estate liability insurance combining construction and real estate coverage for comprehensive property sector professionals.

Quantifiable outcome

• Quote delivery within 24-48 hours for delegated insurance offerings
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• QBEcoreStrategic or Co-development PartnerQBE is the insurer partner co-constructing the RCBAT+ proprietary decennial insurance product. RCBAT+ targets construction execution companies with annual turnover between €500,000 and €2,500,000, offering online pricing, instant quotation, and premium guarantees. This is a flagship co-developed product representing Ediifice's core construction insurance offering.
• MarkelcoreStrategic or Co-development PartnerMarkel is the US-based insurer (founded 1930, $9.8B premiums in 2021, 4,300 employees) behind Ediifice's RC Prestataire de Service product. Markel specializes in professional liability, cyber-risk, and directors & officers insurance. The partnership enables coverage for nearly 1,000 service activities across 5 sectors.
• AIGcoreStrategic or Co-development PartnerAIG (one of the three largest insurance companies globally) is the insurer partner for the RC Agent Commercial Immobilier product. AIG is described as covering 'the 3 biggest insurance companies globally'. The product offers two guarantee formulas (€95 and €200/year) for commercial real estate agents, compliant with French Loi Alur.
• CMAM (Caisse Mutuelle d'Assurances de la Mutualité)coreStrategic or Co-development PartnerCMAM is the insurer partner co-constructing the Multirisque Immeuble (Multi-Risk Property) product with Ediifice. The CMAM-backed product offers the broadest guarantees in the market with two guarantee tables (Standard and Premium), covering buildings from 150-10,000 m².
• SPVIE Assurances (Parent Group)flagshipStrategic or Co-development PartnerEdiifice was created by the will to further develop the SPVIE Assurances group's expertise in the construction and real estate insurance sector. Ronny Sebag serves as Director IARD (Non-Life Insurance) of the SPVIE Assurances group, bringing over 10 years of expertise. The group provides institutional backing, regulatory framework (ORIAS registration, ACPR oversight), and market credibility.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Alptis: French insurance broker and mutual group with broad product distribution including professional liability. Comparable as a multi-product French intermediary targeting independents, professionals, and SMEs.
• Willis Towers Watson France: French presence of global advisory and broker WTW. Comparable in offering construction, real estate, and professional liability brokerage alongside risk consulting, particularly for larger and more complex accounts.
• Verspieren: Major French independent insurance broker and risk advisor serving mid-market and enterprise clients. Comparable in providing multi-line brokerage and specialty construction/real estate coverage with both delegated and advisory distribution.
• Aon France: French operations of global broker Aon. Comparable as a major incumbent serving large construction and real estate accounts, with risk advisory capabilities that compete for the upper end of Ediifice's enterprise advisory channel.
• Marsh France: French arm of global broker Marsh. Comparable as a large incumbent competing for complex construction, real estate, and professional liability placements, particularly with enterprise and mid-market clients.
• Bessé: Independent French insurance and reinsurance broker serving mid-cap and large enterprise clients. Comparable as a specialty French broker with expertise in complex professional liability and property lines relevant to construction/real estate.
• SPVIE Assurances: Parent group of Ediifice and a broader French insurance broker. Operates across multiple insurance lines beyond construction/real estate, providing the institutional, regulatory, and insurer-relationship infrastructure that Ediifice leverages.
• Verlingue: French insurance and benefits broker with significant corporate and SME presence. Comparable as a multi-line French broker competing for construction, real estate, and professional liability accounts across similar customer segments.
• Kereis (formerly Diot-Siaci): Leading French-headquartered insurance broker with significant European footprint. Comparable as a broad-line broker with specialty expertise in construction, real estate, and professional liability lines across France.
• April Group: Large French insurance brokerage group with specialty practices including construction and professional liability. Comparable as a multi-line French broker with both delegated/digital products and advisory sales motion targeting SMEs and professionals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@Ediifice
• LinkedInlinkedin.com/company/ediifice

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Ediifice