Labalette

What Labalette does

JP Labalette S.A.S. is a French insurance brokerage founded in 1966 by Jean Pierre Labalette and headquartered at 42 rue Washington, Paris. The firm specializes in auto insurance for high-risk driver profiles that mainstream carriers decline or price punitively — including résiliés (canceled for non-payment or alcohol/drug-related causes), malussés (drivers with bonus-malus coefficients above 1.0), young and novice drivers, taxi/VTC professionals, voiture sans permis drivers, and owners of collection/youngtimer vehicles. Its portfolio also includes temporary auto policies (2–30 days, from €35) and home insurance, distributed under the flagship SOS MALUS brand and the corporate Labalette identity.

The business operates as a brokerage (courtier d'assurances), registered with ORIAS under number 07 003 955 and supervised by ACPR, distributing policies underwritten by carriers including Allianz and Serenis Assurances, with ancillary service partnerships (Mondial Assistance, Carglass, Mondial Pare-Brise, AD, FPB). Go-to-market is hybrid: customers obtain quotes and subscribe online through jplabalette.com and sosmalus.eu, supplemented by phone-based advisor support (Monday–Friday 09:00–20:00, Saturday 09:00–16:30), an online customer portal, and content marketing around malus/résiliation topics. The reported client base exceeds 700,000 insured customers (with another source citing 100,000+ auto customers).

JP Labalette has been wholly owned by Groupe Verspieren, a diversified insurance conglomerate, since 2005, following a progressive buyout begun in the 1980s. Leadership passed from founder Jean Pierre Labalette to his son Eric Labalette in 2005, who reoriented the firm toward hyper-specialization in aggravated-risk auto coverage and digitalization, and in 2014 also took the helm of Verspieren's sister entity IPAC 64 Best Assurances. In 2024, third-generation Erwin Labalette was appointed Director General of both JP Labalette and IPAC 64, with stated focus on innovation, digitalization, and strategic expansion.

Name

Labalette

Legal name

J.P. LABALETTE S.A.S.

Website

https://jplabalette.com

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

11–50 employees

Short description

JP Labalette is a French insurance brokerage founded in 1966, wholly owned by Groupe Verspieren since 2005, specializing in auto insurance for high-risk drivers (résiliés, malussés, taxi/VTC, voiture sans permis) and serving over 700,000 individual clients in France.

Ownership category

akta.pro rank

Product category

Auto Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG)

Keywords

• Auto insurance brokerage
• High-risk driver coverage
• Malus insurance
• Resiliated driver insurance
• Classic vehicle insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Recurring insurance premiums from auto, motorcycle, home, and collection vehicle insurance policies. Revenue generated through brokerage commissions from insurance carriers (Allianz, Serenis) and policy premiums paid by customers.
2. Temporary Auto Insurance: Short-term auto insurance policies (2-30 days) starting from €35, providing additional revenue stream for occasional vehicle use coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

JP Labalette S.A.S. is a French insurance brokerage founded in 1966 that distributes auto, motorcycle, home, taxi/VTC, temporary, and collector-vehicle insurance policies. The company is specialized in serving drivers with difficult profiles — résiliés (canceled), malussés (high bonus-malus coefficient), young/novice drivers, and permit-less vehicle drivers — through its flagship SOS Malus brand and partner insurers Allianz and Serenis Assurances.

Product overview

JP Labalette is a French insurance brokerage firm founded in 1966, specializing primarily in auto insurance for high-risk drivers (those with canceled policies, malus, or driving violations). The company operates as a platform offering multiple auto insurance products including standard auto insurance, insurance for permit-free vehicles, taxi/VTC insurance, temporary insurance (2-30 days), and classic car collection insurance, plus home insurance. The portfolio is anchored by its flagship SOS MALUS brand for drivers with difficult profiles, supplemented by home insurance and collection vehicle coverage.

Differentiator

Problem solved

Functional benefit

Brands

• SOS MALUS: Specialized insurance brand for drivers with aggravated risk (malus, résilié for non-payment, alcohol/drug-related cancellations). Trademark registered by JP LABALETTE S.A.S.
• IPAC 64 Best Assurances

Products and services

• Assurance Auto

Quantifiable outcome

• 58+ years in business serving high-risk drivers
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 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 minor.

• AllianzcoreTechnology or IntegrationInsurance partner providing coverage products. Partnership with CAMAT (now Allianz, formerly AGF) established in 1985 for SOS Malus brand launch to serve aggravated-risk drivers.
• Mondial AssistancecoreTechnology or IntegrationProvides 24/7 roadside assistance and breakdown coverage for insured vehicles. Featured partner for assistance services.
• Serenis AssurancescoreTechnology or IntegrationInsurance partner company providing auto insurance products. Serves as underwriter for some Labalette policies with dedicated claims handling process.
• Mondial Pare-BriseminorChannel Partner/ Reseller/ DistributorGlass repair partner offering services for windshield and glass damage claims.
• CarglassminorChannel Partner/ Reseller/ DistributorGlass repair specialist partner for vehicle glass replacement and repair services.
• FPBminorChannel Partner/ Reseller/ DistributorAutomotive services partner providing additional coverage and repair services.
• Groupe VerspierencoreStrategic or Co-development PartnerParent company that progressively acquired JP Labalette shares from the 1980s, completing full acquisition in 2005. Eric Labalette also serves as CEO of IPAC 64 Best Assurances, another subsidiary of Groupe Verspieren.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Matmut: French mutual insurance group offering auto, home, and personal lines nationally, including coverage for higher-risk drivers. A broader incumbent competing in the same auto insurance space and overlapping on non-standard driver segments.
• Henner: French independent insurance broker specializing in personal insurance for executives, expatriates, and complex profiles. Comparable specialty brokerage model with expertise in non-standard risk placement and multi-carrier relationships.
• Allianz France: One of Labalette's core carrier partners and a major French P&C insurer offering auto and home through multiple distribution channels. Functions as both an upstream partner and a broad market competitor via its own direct and agent networks.
• Groupe Verspieren: Parent company of JP Labalette and a diversified French insurance brokerage group offering commercial and specialty brokerage across multiple lines. It is the most direct structural peer and owner, sharing brokerage DNA and serving overlapping high-risk client segments.
• April Group: French insurance brokerage and product manufacturer serving individuals and professionals, including specialty and non-standard lines. Comparable brokerage platform with multi-carrier distribution across personal lines including auto.

Emerging players

• Luko (now Hilo by Luko): French insurtech with a mission-driven, digital-first approach to home and (historically) auto insurance. Represents the emerging digital-native competitor segment pushing traditional brokers toward digital transformation.
• Leocare: French mobile-first insurtech offering auto, home, and moto insurance with instant digital subscription. Targets the same French consumer auto market with a UX-forward model, competing for younger non-standard and standard drivers alike.

Direct peers

• Mutuelle des Motards: French mutual insurer specializing in motorcycle and high-risk two-wheeler coverage, including non-standard drivers. Operates as a member-owned specialty carrier with comparable mission of serving profiles rejected by mainstream insurers.
• Direct Assurance: Online-first French auto insurer owned by AXA, targeting digitally-savvy consumers with direct subscription. Comparable product (auto) and target customers, but with a digital-native model that represents both overlap and competitive threat to Labalette's traditional brokerage.
• AMV (Assurances Moto Verte): French specialist insurance broker focused on two-wheeled and high-risk drivers, including those with malus profiles and non-standard vehicles. Closely comparable niche brokerage model with similar underwriting partners and digital quote flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtwitter.com/Labalette2026
• LinkedInlinkedin.com/company/jp-labalette

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 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 Labalette