SAGIP COURTAGE

What SAGIP COURTAGE does

SAGIP Courtage is an independent insurance brokerage (SARL) headquartered at 83 avenue de Nice in Cagnes-sur-Mer, France, founded in 2000 by brothers Dominique and Pascal Cutajar. The firm is registered with ORIAS under n° 07 005 921 and supervised by the ACPR. It operates as a multi-carrier intermediary — declaring no exclusivity and capping exposure with any single insurer at 33% — sourcing and negotiating insurance contracts on behalf of individuals, professionals (artisans, merchants, professions libérales), and small/medium enterprises across France, with a primary physical focus on the Alpes-Maritimes region.

The company’s product portfolio spans personal lines (auto, home, supplementary health, prévoyance, civil liability, legal protection) and professional/business lines (multirisque pro, RC Pro, professional auto/fleet, cyber risks, building insurance for syndicates, professional legal protection, collective health, prévoyance, daily allowances, PER/PEE/PERCO savings). There is no proprietary technology platform, API, or AI-enabled offering; service delivery rests entirely on human advisory supported by a standard website, phone, email, office visits, and video conference.

Revenue is generated through brokerage commissions paid by insurance carriers, calculated as a percentage of premium and, for complex cases, disclosed upfront brokerage fees offset by negotiated savings. Client acquisition is overwhelmingly referral-driven (over 90% of new clients), supported by a 4.8/5 Google rating across 36 reviews and a 5-person team. The firm is family-owned with no institutional investment, no subsidiaries, and no disclosed funding history.

Name

SAGIP COURTAGE

Legal name

SAGIP SARL

Website

https://sagipcourtage.fr

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

SAGIP Courtage is an independent, ORIAS-registered French insurance brokerage (SARL) founded in 2000, advising individuals, professionals, and SMEs in the Alpes-Maritimes region and nationally via remote channels on personal, professional, and social-protection insurance products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Personal insurance advisory
• Professional liability insurance
• Corporate social protection
• Multi-risk insurance solutions

Headquarters

HQ city

Cagnes-sur-Mer

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Brokerage Commissions: In most cases, SAGIP Courtage is compensated through brokerage commissions paid by insurance companies, not by the subscriber. These commissions are calculated based on the insurance premium amount. For some complex cases, brokerage fees may be charged, always announced upfront and offset by savings achieved through negotiated guarantees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

SAGIP Courtage is an independent insurance brokerage that compares and negotiates insurance contracts from multiple French insurers on behalf of individuals, professionals, and small-to-medium businesses. The firm provides advisory, contract placement, ongoing optimization, and claims support across personal, professional, corporate, and social protection lines. Revenue is earned primarily through brokerage commissions paid by the insurers, with the brokerage service typically free to the client.

Product overview

SAGIP Courtage is an independent insurance brokerage firm operating since 2000, offering a comprehensive portfolio of insurance products and services for both individuals and professionals. The company provides personal lines coverage including auto, home, health supplementary, liability and provident, and legal protection insurance. For professionals and businesses, the portfolio encompasses multi-risk professional, professional liability (RC Pro), professional auto/fleet, cyber risk, building insurance, professional legal protection, corporate insurance, social protection solutions including provident insurance, health insurance, complementary retirement savings, permanent general expenses insurance, daily allowances, and employee savings plans. The company operates as a traditional insurance broker with no technology platform, API, or AI-enabled products.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto Vehicle insurance with tiered coverage options (third party, extended third party, or fully comprehensive) plus optional guarantees for theft, fire, glass breakage, and assistance; for individual drivers.
• Assurance Habitation Home insurance for owners, tenants, primary or secondary residences covering fire, water damage, theft, natural disasters, with included private liability and optional legal protection; for individuals and families.
• Complémentaire Santé Supplementary health insurance covering everyday care, hospitalization, dental, optical, and alternative medicine, compliant with the 100% Health basket; for individuals and families.
• Responsabilité Civile & Prévoyance Private liability and individual provident insurance covering personal injury, work stoppage, disability, and death capital for individuals and families.
• Protection Juridique Legal protection insurance covering legal fees, expert costs, and providing access to specialized lawyers for disputes related to consumption, neighbor disputes, work, and housing; for individuals.
• Assurance multirisque professionnelle Professional multi-risk insurance covering business premises, equipment, stocks, and merchandise against fire, water damage, explosion, theft, and vandalism, with included civil liability and optional loss of operation coverage; for artisans, merchants, and self-employed professionals.
• Responsabilité Civile Professionnelle (RC Pro) Professional liability insurance covering bodily, material, and immaterial damages caused to third parties in the course of professional activity, mandatory for many regulated professions; for self-employed professionals and regulated trades.
• Assurance automobile professionnelle Professional auto insurance for utility vehicles, company fleets, or company cars with extended third-party, all-risk, driver protection, and replacement vehicle options; for businesses operating vehicles.
• Assurance cyber risques Cyber risk insurance covering costs related to attacks including system restoration, crisis management, communication, loss of operation, and digital civil liability for compromised third-party data; for professionals and SMEs.
• Assurance immeuble pour professionnels & syndics Building insurance for professionals and co-ownership management companies, covering material damages to buildings and property owner or manager civil liability, tailored to the nature of occupants.
• Assurances pour les entreprises Corporate insurance solutions including multi-risk coverage, collective social protection, and director provident insurance for comprehensive business protection; for TPE/PME.
• Prévoyance professionnelle Professional provident insurance securing income and dependents in case of work stoppage, disability, permanent incapacity, or death, including death capital and disability income; for self-employed professionals and business owners.
• Plan d'épargne (individuel ou collectif) Employee savings plans including PEE, collective PERCO, or company retirement savings plans enabling long-term capital accumulation with tax and social advantages; for businesses offering employee benefits.

Quantifiable outcome

• Over 90% of new clients come through recommendations
• +2 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

Partnerships

One partnership is on record.

• Multiple French Insurance CompaniescoreOthers · 1 January 2000SAGIP Courtage works with multiple insurance companies to compare and select the best offers for clients. The company is independent and does not have exclusive contracts with any single insurer. As stated in legal mentions, SAGIP declares it does not hold more than 10% stake in any insurance company and is not held by any insurance company with more than 10% stake. They also commit to not conducting more than 33% of business with a single insurance company.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Coverty: Independent French insurance broker (Courtage multi-spécialiste) serving professionals and businesses with cyber, RC Pro, and social protection lines — directly comparable niche-broker model for SME segments.
• Finaxy Group: Independent French insurance brokerage group serving individuals, professionals, and businesses across multiple lines — closely comparable independent multi-segment broker model.
• Alptis: Independent French insurance brokerage serving individuals and professionals with personal protection, santé, prévoyance, and savings products — comparable multi-line independent broker model serving similar SME and individual segments in France.

Broad incumbents

• Henner: French insurance broker specializing in health, prévoyance, and corporate protection for businesses — directly comparable in the social-protection / collective benefits niche where SAGIP serves TPE/PME clients.
• Verspieren: Large independent French insurance brokerage providing corporate risk, employee benefits, and specialty lines — overlapping product range for the TPE/PME and professional segments SAGIP serves.
• SIACI Saint Honoré: Major French insurance broker and consulting firm offering corporate risk management and social protection — comparable in commercial brokerage and employee benefits categories.
• Bessé: Independent French insurance and reinsurance brokerage focused on mid-market and large enterprises — comparable independent broker DNA with focus on commercial/corporate risk and employee benefits.
• April: Established French insurance broker with broad multi-line offerings across personal, professional, and corporate lines — overlapping product set and target segments to SAGIP but at significantly larger national scale.

Emerging players

• Leocare: French digital insurance broker aggregating multi-carrier offerings via a mobile app — emerging digital distribution model competing with traditional brokers for self-directed, price-sensitive clients.
• Luko: French digital-native insurance platform offering simplified home and auto insurance directly to consumers — represents the digital-insurer competitive threat to traditional brokers like SAGIP in commoditized personal lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sagip-courtage

Compliance2 records

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 SAGIP COURTAGE