Bespoke insurance, online, in 3 minutes
More than 20 years of insurance expertise have given François-Xavier Combe a solid knowledge of the business world and their issues. This adventurer-entrepreneur at heart, like a leader, has always had the ambition to “protect the pros, the freelancers, the self-employed, with the right equipment. »
Understanding the key role of digital, in 2018 he founded the startup Easyblue and developed a professional insurance platform 100% online. In partnership with Axa, Hiscox, Qonto and other key players, the site offers a simple and competitive offer.
Became Stello in 2022 after raising 5 million euros, the start-up now has 36 employees between Paris and Aix-en-Provence. It has more than 10,000 customers, spread over more than 500 very different professions – ranging from yoga teachers to artisan bakers and consulting professions.
Disrupting the market with technology
Today, due to a lack of information, 50% of entrepreneurs do not take out insurance. They are focused on the development of their activity, constantly overwhelmed in particular by time-consuming administrative and ancillary tasks. The self-employed do not take the subject of insurance into their own hands and accept to take risks. Until the day where…
Stello has tackled this problem and responds to it with advanced technology. Half of its team is dedicated to research and development. Its sole objective: to imagine a product allowing entrepreneurs to save time. Saving time goes through simplification, and this goes through digital. The platform allows you to subscribe to a Professional Liability in 3 minutes (RCpro). A pioneer on the subject, the start-up also launched the first professional mutual 100% digital and customizable, subscription in 8 minutes, compared to about 15 days of process usually.
Proximity, for real
Even if it is easy to subscribe online, dialogue and benevolent support remain the heart of the customer relationship. Trained in effective pedagogy, the 10 expert advisors focus on the essentials : decipher the needs to propose a tailor-made solution. One rule: always be as transparent as possible about what the insurance covers and, above all, about what it does not cover. The accompaniment individualized allows Stello to better adapt its offer. “The important thing is that a customer can smile after each disaster”, explains François-Xavier, the founder.
Fundraising, double-digit growth… yes, but no question of moving away from your community. The team therefore regularly offers discussion times to its customers. Each time, it is an opportunity to re-explain why the entrepreneur or freelancer is covered and to update the cover according to the development of its structure. These highlights also allow the community to participate in important decisions. For example, during the rebranding, it was the customers who chose the new company name: 65% of participants voted for “Stello”.
Areas of development
The startup intends to go further. It now wants to take action on risk prevention and management as a whole, beyond its own area of expertise. Eventually, it will be necessary to be able to alert the company to the slightest worrying signal that could compromise its proper functioning.
Stello and its R&D division are working on new products including pooling the activities of all business partners with the aim of saving time for the entrepreneur, guarantee its independence and security. The objective for the next two years: help with risk management, thanks to the development of an intelligent and automated alert in all areas. You can trust a company that has a 98% customer satisfaction rate. Stello, the lucky star of the pros!