A3s Courtage

What A3s Courtage does

A3S Courtage is a privately-held French insurance brokerage firm (SARL, registered under ORIAS N°13005490) headquartered in Aigues-Mortes, founded by Stéphane Bouissou and serving approximately 250 clients under a deliberate Family Office service model. The firm brokers and advises on insurance and social protection solutions across health (individual and collective), provident/death benefits, retirement savings (PER, Madelin), professional liability, multi-risk professional, and lifestyle covers (home, auto, borrower, non-occupant owner, e-bike, e-scooter), with no proprietary technology stack — the value proposition rests on human expertise in contract analysis and carrier negotiation.

The company is organized around three primary customer segments: individuals (particuliers), self-employed professionals and SME leaders, and a specialized niche of professional athletes and sports clubs served through the dedicated A3S Sport Pro sub-brand. Distribution is primarily direct and referral-led, with growth occurring exclusively through word-of-mouth and without paid advertising; service delivery relies on personalized appointments at the Aigues-Mortes office and proactive annual coverage reviews. Revenue is earned principally through insurance carrier commissions embedded in premiums, with emerging advisory/audit fees for social protection, spouse status and business-owner status engagements. The firm maintains partnerships with major French and European insurers including Henner, Allianz, Generali, April and COVEA RISKS (the latter providing mandatory RC Pro and financial guarantee cover under the French Insurance Code).

Name

A3s Courtage

Legal name

A3S Courtage

Website

https://a3s-courtage.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

A3S Courtage is a privately-held French insurance brokerage firm (Aigues-Mortes) advising and broking insurance and social protection solutions for individuals, professionals, and professional athletes and clubs under a deliberate Family Office service model capped at approximately 250 clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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 industry

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

Keywords

• Insurance brokerage
• Social protection
• Professional athlete insurance
• Collective health insurance
• Retirement savings plans

Headquarters

HQ city

Lattes

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commissions de courtage: Rémunération par commissions versées par les compagnies d'assurance, intégrées à la prime d'assurance. Le client ne paie pas de frais supplémentaires pour le service du courtier.
2. Honoraires de conseil: Certains courtiers peuvent facturer des honoraires pour des prestations de conseil spécifiques au-delà des commissions d'assurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

A3S Courtage is a French boutique insurance brokerage that advises and arranges insurance and social-protection solutions for individuals, professionals, and professional athletes. It acts as an intermediary between clients and partner insurance carriers, offering collective and individual health insurance, professional liability, retirement savings (PER, Madelin), multi-risk professional coverage, property and casualty products, and a niche line for professional athletes and sports clubs under the A3S Sport Pro sub-brand. The firm also performs personalized social-protection audits and operates a Family Office model with proactive annual reviews for roughly 250 clients.

Product overview

A3S Courtage is a boutique insurance brokerage firm offering a comprehensive portfolio of insurance and social protection products. The company operates primarily as a broker/advisor rather than an insurer, offering products including collective health insurance, professional liability, individual retirement plans, and specialized coverage for professional athletes under the A3S Sport Pro sub-brand. The firm provides audit and advisory services for social protection, business owner status, and spouse status. The portfolio spans health insurance, provident/death benefits, retirement planning, property & casualty insurance, and legal protection. The company targets three main client segments: individuals (particuliers), professionals/businesses, and professional athletes.

Differentiator

Problem solved

Functional benefit

Products and services

• Complémentaire santé collective Collective complementary health insurance for businesses, covering employees' medical expenses beyond the basic French social-security system. Designed for employers seeking compliant, tailored group health coverage as a pillar of their social-protection offering.
• Complémentaire santé sportif professionnel Specialized complementary health insurance for professional athletes, covering medical expenses, hospitalization, specialist consultations, and rehabilitation linked to sports injuries. Delivered under the A3S Sport Pro sub-brand for athletes (footballers, rugby players, cyclists, etc.).
• Assurance pour Clubs Sportifs Insurance coverage for sports clubs and associations (loi 1901), protecting directors, collaborators, members, premises, equipment, and events, including accident and cancellation coverage aligned with Articles L321-1 and L321-2 of the Code du Sport.
• Responsabilité civile professionnelle Professional liability insurance covering damages caused to third parties in the course of professional activities, marketed to professionals, SMB owners, and self-employed workers.
• Plan épargne retraite individuel (PER) Individual retirement savings plan allowing individuals and professionals to build capital or income for retirement with applicable tax advantages.
• Contrat Madelin Insurance solution for self-employed professionals (TNS) enabling tax-deductible contributions to fund health, provident, and retirement coverage.
• Assurance emprunteur Borrower insurance for real-estate and professional loans, with active renegotiation to optimize coverage and cost.
• Assurance dépendance Long-term care / dependency insurance protecting individuals against the financial consequences of loss of autonomy.
• Assurance Propriétaire Non Occupant (PNO) Non-occupant owner insurance covering real-estate assets held by investors who do not live in the property.
• Multirisque Professionnelle Multi-risk professional insurance protecting SMBs against a broad range of operational risks (premises, liability, equipment, business interruption).
• Assurance santé individuelle Individual complementary health insurance ("mutuelle") covering the medical needs of individuals and their families.
• Assurance auto particulier Personal auto insurance for individual drivers.
• Assurance Auto Professionnel Professional auto insurance for businesses and self-employed workers using vehicles in their professional activity.
• Prévoyance sportif professionnel Provident / income-protection coverage specifically designed for professional athletes, addressing injury, incapacity, and career-end risks.
• Prévoyance individuelle Individual provident insurance covering death, disability, and incapacity risks for individuals.
• Assistance et Protection Juridique Legal protection and assistance insurance to help clients navigate and defend their legal rights.
• Assurance vélo électrique Insurance for electric bicycles, covering theft, damage, and liability.
• Assurance trottinette électrique Insurance for electric scooters, covering theft, damage, and liability.
• Assurance vie Life insurance / savings product providing a financial safety net for beneficiaries.
• Assurance habitation Home insurance covering dwellings and household contents against standard risks.
• Audit de protection sociale Comprehensive advisory audit analyzing existing coverage (health, provident, retirement, savings) to identify gaps, duplicates, and cost optimization opportunities across regimes and statuses.
• Audit du statut du conjoint Advisory service helping business owners' spouses choose between collaborator, employee, or partner status, and its social-protection implications.
• Audit du statut de chef d'entreprise Advisory analysis of different business-owner statuses (TNS vs assimilé salarié) and the resulting consequences for social protection.

Quantifiable outcome

• Économie de 43 000 € sur assurance emprunteur professionnel de 1,9 M€
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• HennercoreChannel Partner/ Reseller/ DistributorPartenaire assureur proposant des solutions d'assurance collective et individuelle. Logo affiché sur la page des partenaires A3S.
• AllianzcoreChannel Partner/ Reseller/ DistributorCompagnie d'assurance internationale partenaire pour la distribution de produits d'assurance.
• GeneralicoreChannel Partner/ Reseller/ DistributorAssureur européen majeur proposant des couvertures santé, prévoyance et épargne.
• AprilminorChannel Partner/ Reseller/ DistributorCourtier grossiste spécialisé dans l'assurance santé individuelle et collective.
• COVEA RISKScoreOthersAssureur garant de la Responsabilité Civile Professionnelle et de la Garantie Financière d'A3S Courtage conformément aux articles L530-1 et L530-2 du Code des Assurances.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Verspieren: Major French corporate insurance broker with a long-standing presence across P&C, health and specialty lines. Operates as a generalist intermediary for SMEs, mid-market and large enterprises — overlapping with A3S's professional segment but at materially larger scale.
• Henner: Large French independent broker specializing in collective health, prévoyance and retirement, and an active A3S partner. Directly comparable business model (broker/intermediary) and target market (collective schemes for businesses, high-net-worth individuals), but with significantly broader geographic and product reach.
• Diot-Siaci: One of France's largest insurance broker groups, providing risk management, health, prévoyance and P&C brokerage. Comparable intermediary role to A3S but with enterprise clients, international reach and dedicated claims/consulting capabilities A3S lacks.
• Allianz France brokerage network: Major French insurer with a large captive and open distribution network that competes with A3S on multiple product lines. Also one of A3S's carrier partners, illustrating both competitive and partnership overlap.
• April: Major French insurance broker and partner of A3S (April is listed on A3S's site). April distributes health, prévoyance and P&C insurance via a large broker network, serving both individuals and businesses — overlapping directly with A3S's multi-line individual/professional offering but at much greater scale.

Direct peers

• Alptis: French broker offering health, prévoyance, retirement and savings products to individuals and professionals through a network of independent advisors. Closely matches A3S's individual/professional persona mix and product breadth, with comparable broker/agent economic model.
• Santiane: French online brokerage platform specializing in individual health, prévoyance and borrower insurance. Competes with A3S for the same individual and professional clients but via a digital-led model rather than in-person advisory, making it a direct substitute for A3S's standard lines.
• LeLynx: Leading French insurance comparison platform (part of ADLPartner Group) enabling individuals to compare and subscribe to auto, home, health and life policies. Directly comparable brokerage/intermediation function in P&C and health but built on a price-comparison UX rather than advisory relationship.
• Courtage.fr: French insurance broker aggregator and online brokerage serving individuals on health, auto, home and life products. Comparable brokerage model targeting the same end-customers as A3S, with overlapping product portfolio but operating at national scale and digital-first.

Emerging players

• Prévoyance & Santé brokers (e.g., Mutuelle du Sport / sport-mutuelles): Specialized French mutuelles and brokers focused on sport/health coverage for athletes and federations. Most directly comparable to A3S Sport Pro's vertical niche but typically structured as mutuelles rather than brokers, and varying in geographic reach within France.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/a3s-courtage

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 A3s Courtage