Fondation Entrepreneurs de la Cité

What Fondation Entrepreneurs de la Cité does

Fondation Entrepreneurs de la Cité (EDLC) is a French non-profit foundation (association loi 1901, SIREN 491869418, recognized as being of public utility) headquartered in Villeurbanne, founded in 2007, that operates a solidarity-based micro-insurance model adapted from Muhammad Yunus's microcredit framework to serve French micro-entrepreneurs in their first years of activity. Its core technology is a curated insurance brokerage platform underwriting via a stack of carrier partners — WAKAM and HISCOX for professional multi-risk and liability, APRIL Partenaires as intermediary, CNP Assurances and VIA SANTÉ (AG2R LA MONDIALE) for health and prévoyance, and CFDP Assurances for legal protection — delivered through the proprietary quote platform pro.v4.app.entrepreneursdelacite.org.

The product portfolio covers professional multi-risk (home-based or with premises, three coverage tiers), professional liability, mandatory 10-year construction liability (RC Décennale), supplementary health insurance ('100% santé' responsible mutual), and income protection (ITT prévoyance paying €30/day for up to 90 days), priced 20–70% below market with tariffs identical from age 18 to 65 and average annual savings of €1,250 per entrepreneur. Distribution is exclusively through partner referral: more than 20 business-creation accompaniment networks (BGE, CCI, CMA, France Active, Adie) plus a strategic partnership with AGEFIPH that fully subsidizes premiums for disabled entrepreneurs (RQTH) for two years — a pipeline that supplies 15% of all AGEFIPH-supported business creators. Since 2007, the foundation has insured 11,741 entrepreneurs and informed 38,816, with 90% satisfaction and 87% reporting their business is well protected.

The business model is non-profit and mission-bounded: revenue combines solidarity-priced subscription premiums collected on monthly, semi-annual, or annual billing with donations and mécène support (€1,000 protects one entrepreneur for 4 years; €10,000 protects 50 for 1 year). EDLC acts as a 14-employee orchestrator rather than a risk-bearing insurer, with eligibility capped at micro-credit/NACRE/honor loan recipients or businesses under 3 years old with ≤1 employee, deliberately transitioning clients to classical insurers after a 4-year maximum solidarity window.

Name

Fondation Entrepreneurs de la Cité

Legal name

Association des Assurés Entrepreneurs de la Cité

Website

https://entrepreneursdelacite.org

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Solidarity-based French non-profit foundation offering micro-insurance (professional multi-risk, liability, health, prévoyance) at 20–70% below market rates to newly created micro-entrepreneurs, distributed exclusively through 20+ accompaniment networks and the AGEFIPH disability partnership.

Ownership category

akta.pro rank

Product category

Micro-Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Professional Firms BOP (Office/Professional) (FSAJAFAE), Contractors BOP / Artisan Package (FSAJAFAD)

Keywords

• Solidarity micro-insurance
• Professional liability coverage
• Income protection insurance
• Entrepreneur insurance solutions
• Supplementary health insurance

Headquarters

HQ city

Villeurbanne

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Micro-assurance premiums: EDLC generates revenue through solidarity-priced insurance premiums collected from micro-entrepreneurs. The model is non-profit, subsidized by foundation funding and partner sponsors. Premiums are collected on a subscription basis (monthly, semi-annual, or annual billing).
2. Donations and philanthropy: The foundation solicits donations from individuals and organizations to sustain its public-interest mission. The 'faire-un-don' page describes donation impact: €1,000 protects one entrepreneur for 4 years; €10,000 protects 50 entrepreneurs for 1 year.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Fondation Entrepreneurs de la Cité (EDLC) delivers solidarity-based micro-insurance products to French micro-entrepreneurs in their first years of activity. The portfolio covers professional multi-risk insurance (home-based and premises-based), professional liability, 10-year construction liability (RC Décennale), supplementary health ('Complémentaire santé'), and income protection (Prévoyance ITT). Products are sold at tariffs 20-70% below market rates, distributed exclusively through partner accompaniment networks (BGE, CCI, CMA, France Active, Adie) and the AGEFIPH disability partnership, with free additional services including risk prevention (Local Secur') and legal assistance.

Product overview

Fondation Entrepreneurs de la Cité operates as a solidarity-based micro-insurance platform offering affordable insurance products for micro-entrepreneurs in France. The product portfolio consists of professional multi-risk insurance (for home-based and premises-based businesses), professional liability and 10-year construction liability coverage, and health/incapacity insurance (supplementary health and income protection). The offerings are distributed through a proprietary platform (pro.v4.app.entrepreneursdelacite.org) and backed by insurance partners including WAKAM, APRIL, HISCOX, CNP Assurances, and VIA SANTÉ. Free additional services include risk assessment, webinars, and legal assistance.

Differentiator

Problem solved

Functional benefit

Products and services

• Multirisque professionnelle à domicile

Quantifiable outcome

• On average €1,250 savings per year per entrepreneur vs. market rates
• +3 more outcomes

Named customers4 records

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

Ten partnerships are on record, tiered core and minor.

• AGEFIPHcoreStrategic or Co-development Partner · 1 January 2007AGEFIPH (Association de Gestion du Fonds pour l'Insertion des Personnes Handicapées) partners with EDLC to integrate micro-insurance into its support package for recognized disabled workers (RQTH) creating businesses. AGEFIPH fully covers EDLC premiums for 2 years (all guarantees except RC Décennale). 15% of AGEFIPH-supported creators are insured by EDLC. Partnership active since 2007.
• WAKAMcoreTechnology or IntegrationWAKAM is an insurance company (SA de droit français, Paris) that underwrites EDLC's professional insurance products. EDLC leverages WAKAM's infrastructure to deliver hundreds of professional activity coverages.
• HISCOXcoreTechnology or IntegrationHISCOX SA (Luxembourg-authorized insurer, French branch in Paris) provides EDLC's professional liability and multirisque professionnelle coverage through a partnership enabling hundreds of activities to be insured.
• APRIL PartenairescoreTechnology or IntegrationAPRIL Partenaires (Fougères, Rennes) is an insurance intermediary registered with ORIAS that helps EDLC distribute and manage professional insurance products.
• CNP AssurancescoreTechnology or IntegrationCNP Assurances (Issy-les-Moulineaux, part of the Caisse des Dépôts group) is an insurance partner of EDLC, providing coverage under the group's public interest mission.
• VIA SANTÉ (AG2R LA MONDIALE)coreTechnology or IntegrationVIA SANTÉ, a member of the AG2R LA MONDIALE group (Paris), provides mutual health insurance coverage for EDLC's complementary health product.
• CFDP AssurancescoreTechnology or IntegrationCFDP Assurances (Lyon) provides free legal protection ('protection juridique') to all EDLC policyholders, included at no additional cost, covering information, legal assistance, and fee/honorary coverage up to €500 for expertise.
• UFA Allianz (La Réunion)minorChannel Partner/ Reseller/ DistributorFor La Réunion, EDLC partners with UFA Allianz to deliver multirisque professionnelle (à domicile and avec local) products at the same rates as mainland France, with direct contact for quotes through UFA Allianz.
• BGE (groupes d'accompagnement)coreStrategic or Co-development PartnerBGE is one of the primary business creation support networks that channels entrepreneurs to EDLC. EDLC is referenced alongside BGE and AGEFIPH as key partners in testimonials.
• Partner accompaniment networks (CCI, CMA, France Active, Adie)coreStrategic or Co-development PartnerEDLC operates alongside more than 20 partner accompaniment networks including Chambers of Commerce and Industry (CCI), Chambers of Trades and Crafts (CMA), France Active, and Adie. These networks identify and refer eligible entrepreneurs to EDLC's micro-insurance.

Scale indicators7 records

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• AXA France: AXA France is the dominant P&C insurer in France, offering commercial package and professional liability products overlapping with EDLC's core offerings, but serving a broader mid-market and large customer base.
• Crédit Mutuel Arkéa: Crédit Mutuel Arkéa is a French cooperative bank group with microcredit, entrepreneur support, and small business insurance products, overlapping with EDLC's mission and target audience at greater scale.
• MACIF: MACIF is a leading French mutual insurer with a strong small-business and individual customer base, sharing the solidarity/mutual positioning that underpins EDLC's identity but operating at far broader scale.
• MAIF: MAIF is a major French mutual insurer with solidarity-driven principles and a broad portfolio overlapping with EDLC's professional liability and health offerings, but serving a much wider customer base beyond micro-entrepreneurs.

Direct peers

• France Active: France Active is a nationwide network financing and accompanying entrepreneurs, particularly those creating their own jobs, sharing EDLC's target audience and complementing its mission alongside BGE-like partners.
• Initiative France: Initiative France is a national network of local associations supporting business creation through zero-interest loans and accompaniment, serving a similar early-stage entrepreneur audience as EDLC.
• Réseau Entreprendre: Réseau Entreprendre accompanies and finances business creators through local chapters, sharing EDLC's mission of supporting entrepreneurs from inception and operating through a partnership/network model.
• ADIE: ADIE (Association pour le Droit à l'Initiative Économique) provides microcredit and support to entrepreneurs excluded from traditional banking, sharing EDLC's mission of enabling entrepreneurship among underserved populations in France.
• BGE (Boutiques de Gestion): BGE is one of EDLC's primary referral partners and a leading French business creation support network, serving the same early-stage entrepreneur population and working in close operational partnership with EDLC.

Emerging players

• Alan: Alan is a digital-first health insurer targeting self-employed professionals and SMEs, directly competing with EDLC's complementary health product through a tech-led, direct-distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fondation-entrepreneurs-de-la-cit%C3%A9

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Fondation Entrepreneurs de la Cité