Abe Courtage

What Abe Courtage does

ABE Courtage is a French multi-pole insurance brokerage firm headquartered in Rennes and serving construction, architecture, engineering, property development, and renewable energy professionals through nine offices across France (Rennes, Nantes, Paris, Lille, Strasbourg, Bordeaux, Brest, Vannes, Dinan) and 80 specialists including underwriters, claims adjusters, and in-house jurists. The current entity was formed on July 1, 2022 via the merger of three legacy brokerages — Courtage Assur (founded 1997), the original ABE Courtage (founded 2014), and RV Courtage (founded 2008) — and opened its capital in 2024 to UNEXO, Crédit Agricole Ille-et-Vilaine Expansion, and Capital Croissance to fund inorganic growth. The firm operates six vertical poles (ABE MOA, ABE Architecture, ABE Ingénierie, ABE BTP, ABE ENR, ABE Entreprise) plus the acquired ABE Immobilier (Domys Courtage) brand, distributing products from 50 insurer partners including AXA, SMA, MMA, QBE, Abeille Assurance, April, L'Auxiliaire, Cfdp, and Albingia.

The firm's core offering revolves around mandatory and recommended professional liability covers for construction-sector professionals — RC Professionnelle, RC Décennale, Dommages-Ouvrage, TRC, and RC Promoteur — supplemented by a broad add-on catalog spanning fleet automobile, cybersecurity (via partner Stoïk), legal protection, machinery breakdown, key-person guarantees, goods-in-transit, health and prévoyance, and borrower insurance. ABE has extended its model beyond the construction core through the 2024 launch of an Entreprise pole for non-BTP industries and the 2025 acquisitions of Domytis Courtage (real estate professionals) and Integra (employee benefits).

ABE operates a sales-led, consultative go-to-market with no proprietary technology platform. Distribution occurs through in-person consultations at regional offices, phone/email channels, and a multi-step online quote request form that triggers a 48-hour advisor callback. Two self-service digital tools — the RC Décennale simulator and the Hello Assur-powered borrower insurance calculator — provide entry-point pricing but are form-driven rather than AI-enabled. Revenue is generated through recurring commissions on insurance premiums placed with carrier partners, with pricing determined post-dossier by underwriting review. As of 2025 the firm manages 3,300+ sinistres annually for 3,000+ active clients and carries a 4.9/5 Google rating across 173 reviews, reflecting the relationship-driven nature of its distribution model.

Name

Abe Courtage

Legal name

ABE Courtage

Website

https://abecourtage.com

Company type

Private

Founded year

2014

Operating status

Operating

Short description

ABE Courtage is a French multi-pole insurance brokerage serving 3,000+ construction, architecture, engineering, property development, and renewable energy professionals through nine offices and 50 insurer partnerships. Founded in 2014 and formed via a 2022 merger, the firm specializes in mandatory professional liability covers and complementary commercial lines.

Ownership category

akta.pro rank

Headquarters

HQ city

Rennes-les-bains

HQ country

France

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance brokerage commissions: ABE Courtage earns commissions from insurance companies (50 partner insurers) for placing insurance policies on behalf of clients. Revenue is generated through commissions on insurance premiums, negotiated through framework agreements with insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

ABE Courtage is an independent insurance brokerage firm distributing professional liability, decennial, construction all-risks, and property/casualty insurance products to construction, architecture, engineering, real estate development, and broader enterprise clients across France. The firm places policies through framework agreements with 50 insurance company partners and earns commissions on premiums. Core product categories include RC Professionnelle, RC Décennale, Dommages-Ouvrage, TRC/RCMO, fleet automobile, cybersecurity, multi-risk professional, legal protection, key-person guarantees, and employee benefits.

Product overview

Abe Courtage operates as a multi-pole insurance brokerage platform organized into six specialized divisions — ABE MOA (property development), ABE Architecture, ABE Ingénierie, ABE BTP, ABE ENR (renewable energy), and ABE Entreprise — plus the acquired brand Domys (immobilier). The core offering is a portfolio of insurance products built around mandatory and recommended professional liability covers (RC Professionnelle, RC Décennale, Dommages-Ouvrage), supplemented by a wide range of add-on coverages including automobile fleets, cybersecurity (via partner Stoïk), legal protection, machinery breakdown, health/provident plans, key-person guarantees, and goods-in-transit insurance. Two self-service digital tools — an RC Décennale rate simulator and a loan insurance calculator (integrated from Hello Assur) — provide quote estimation for prospective clients. The company also offers a whitepaper resource on BTP business insurance best practices.

Differentiator

Problem solved

Functional benefit

Brands

• ABE Maîtrise d'Ouvrage (MOA): Insurance solutions for maîtrise d'ouvrage professionals including property developers, institutional investors, social landlords, local authorities and public operators, industrials and private companies, and real estate funds
• ABE Architecture
• ABE Ingénierie
• ABE BTP
• ABE ENR
• ABE Entreprise
• Domytis Courtage (ABE Immobilier)

Products and services

• ABE MOA (Maîtrise d'Ouvrage)
• ABE Architecture

Quantifiable outcome

• 3,300 sinistres (insurance claims) managed in 2025
• +1 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

18 partnerships are on record, tiered core and minor.

• Emmanuel Hamon (Associé - Directeur Pôle Immobilier)coreStrategic or Co-development Partner · 1 January 2024Emmanuel Hamon, Associé and Director of the Immobilier Pole, leads ABE's Maîtrise d'Ouvrage pole launched in 2024, deepening support for property developers and technical risk prevention.
• Thomas Lemerre (Expert - Conseil Assurances Construction)coreStrategic or Co-development Partner · 1 January 2024Thomas Lemerre leads ABE's Expertise pole launched in 2024, focusing on property developer support and technical risk prevention.
• AXAcoreOthersAXA is a partner insurance company of ABE Courtage. As an independent broker, ABE works with AXA among its 50 insurance company partners to offer competitive insurance solutions to clients in construction, real estate, and business sectors. AXA provides insurance products including professional liability coverage.
• SMA (SMA BTP)coreOthersSMA BTP is a partner insurance company of ABE Courtage, specializing in construction and BTP insurance. ABE distributes SMA products as part of its 50-insurer partner network.
• MMAcoreOthersMMA is a partner insurance company of ABE Courtage, offering professional insurance products to ABE's client base in the construction and business sectors.
• QBEcoreOthersQBE is a partner insurance company of ABE Courtage, providing insurance solutions to ABE's professional clients in France.
• Abeille AssurancecoreOthersAbeille Assurance is a partner insurance company of ABE Courtage, offering professional insurance products as part of ABE's multi-insurer distribution network.
• AprilcoreOthersApril is a partner insurance company of ABE Courtage, distributing professional insurance products through ABE's network of advisors.
• L'AuxiliairecoreOthersL'Auxiliaire is a partner insurance company of ABE Courtage, contributing to ABE's portfolio of insurance solutions for professionals.
• CfdpcoreOthersCfdp is a partner insurance company of ABE Courtage, offering specialized insurance products within ABE's multi-insurer network.
• AlbingiacoreOthersAlbingia is a partner insurance company of ABE Courtage, providing insurance coverage solutions as part of ABE's 50-insurer network.
• Made in DinanminorGTM or Marketing PartnerMade in Dinan is a local business ambassador network for the Dinan Agglomération territory, bringing together more than 110 local enterprises that value local know-how and products. ABE participates in network events and animations organized by Dinan Agglomération.
• Ingénierie Bois Construction (IBC)minorStrategic or Co-development PartnerIBC is a non-profit professional association that brings together technical engineering firms and experts (building and civil engineering) with wood construction expertise across France. IBC represents the profession before professional bodies, regulatory bodies, public and private institutions.
• Bretagne Emotion - Hôtels de Charme et de CaractèreminorGTM or Marketing PartnerA network of 47 selected charming hotels in Brittany with over 20 years of existence, representing human-scale hospitality. ABE participates in this network as a local partner.
• Nos LimitesminorGTM or Marketing PartnerAn association accompanying people with disabilities in sporting challenges, particularly running. ABE supported Noah in the Noah Diag adventure. Social/CSR partnership.
• Open GuindéminorGTM or Marketing PartnerOne of France's largest national circuit tennis tournaments organized by the Tennis Club of Taden Dinan since 2011, a springboard to the international circuit. ABE participates as a local partner.
• FemitrasminorStrategic or Co-development PartnerEuropean Federation of Engineering and Surveying Professions related to aerial, underground, and underwater networks. Represents companies, training organizations, and consultants in engineering, topography, geo-referencing, geo-detection, cartography, and network studies.
• SynamomeminorStrategic or Co-development PartnerSYnamome is a professional union of architectural design and project management professionals. Defends the profession of project managers and architects and advocates for recognition of these professions.

Scale indicators9 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Marsh France: French subsidiary of global insurance brokerage Marsh. Offers construction and engineering practices alongside broad enterprise risk services; competes in the same client accounts but with a much wider portfolio.
• Willis Towers Watson (WTW) France: Global insurance and advisory firm with French construction/engineering practice. Overlaps with ABE on professional liability and corporate risks but serves a broader risk-management portfolio.

Direct peers

• Verspieren: French independent insurance broker with strong BTP and construction-specialty practices, comparable headcount and multi-pole structure. ABE's closest direct competitor in the construction-insurance niche.
• SIACI Saint Honoré: Major French independent insurance broker serving large enterprises and professionals across multiple sectors. Overlapping client base in construction, real estate, and employee benefits; comparable commission-driven brokerage model.
• Finaxy Group: French insurance brokerage group with diversified corporate and professional client base. Comparable mid-market positioning and multi-product offering including employee benefits.
• SPB (Société de Prévoyance et de Bénéfices): French insurance broker and affinity-scheme specialist serving enterprises and professionals. Comparable multi-vertical brokerage model and similar scale.

Emerging players

• Albingia: French specialty insurer focused on construction, real estate, and professional liability. Listed ABE partner, but also distributes through other brokers, creating overlap on BTP-targeted business.
• L'Auxiliaire: French mutual insurer for construction, real estate, and professional liability. ABE partner but also distributes directly and via other brokers; competes for construction-mandated covers.
• SMA BTP (Groupe SMA): French mutual insurer specializing in BTP and construction risks. ABE is one of its distribution partners, but SMA also sells directly and through other brokers — competing for the same end clients in construction insurance.

Others

• Aon France:

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/abecourtage

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Abe Courtage