# Orus

> Professional insurance for SMEs and freelancers, online in 3 minutes\.

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | EMEA |
| Headquarters | Paris, France |
| Founded | 2021 |
| Stage | Growth |
| Employees | 51-200 |

## Overview

Orus is a professional liability and multi-risk insurance MGA targeting SMEs and freelancers, operating directly online in France and Spain. Founded in Paris in 2021, the company provides cover across more than 1,500 professional activities through a fully digital onboarding flow that issues quotes, contracts, and certificates in under three minutes.

The MGA underwrites its products through capacity partners Wakam, Hiscox, Munich Re, and Axeria. Core lines include professional liability (RC Pro), business owners policies (Multirisque Professionnelle), decennial construction liability (Assurance Decennale), and health and disability products for self-employed workers. Orus also operates an embedded insurance platform, distributing through API-connected partners such as PayFit, Alan, Pennylane, and Dougs.

As of mid-2025, Orus protects over 50,000 businesses across France and Spain, with approximately 2,500 new customers joining each month. The company holds a 4.9/5 Trustpilot rating and is registered with ORIAS (#26000343). Following a EUR 25M Series B in June 2025 led by Singular, Orus is expanding into additional European markets and building a broker distribution platform to complement its direct-to-business channel.

## Products & services

### RC Pro \(Professional Liability\)

General liability insurance for independent professionals and SMEs across 1,500+ professions. Covers professional errors, omissions, and third-party claims.

**Key features:**

- Professional errors and omissions
- Third\-party bodily injury and property damage
- Legal defense costs

*Target users:* Consultants, IT professionals, service providers, freelancers

*Distribution:* Direct online; embedded via partner platforms

### Multirisque Professionnelle \(Business Owners Policy\)

Multi-risk commercial insurance combining property, liability, and operational coverage for SMEs operating from offices or commercial premises.

**Key features:**

- Business property and contents
- General liability
- Business interruption

*Target users:* SMEs with fixed business premises

*Distribution:* Direct online; embedded via partner platforms

### Assurance Decennale \(10\-Year Construction Guarantee\)

Mandatory decennial liability insurance for construction and building professionals. Covers structural defects for 10 years post-construction.

**Key features:**

- Structural defects for 10 years post\-completion
- Compliance with French Spinetta Law requirements

*Target users:* BTP artisans, contractors, construction professionals

*Distribution:* Direct online

### Assurance Bureau \(Office Protection\)

Insurance for office-based professionals protecting business equipment and premises.

*Target users:* Office\-based SMEs and freelancers

*Distribution:* Direct online

### Mutuelle Sante TNS \(Health Insurance\)

Group health insurance tailored for self-employed workers (Travailleurs Non-Salaries).

*Target users:* Independent workers and freelancers

*Distribution:* Direct online

### Prevoyance TNS \(Disability/Life Insurance\)

Income protection and life insurance for self-employed professionals, covering illness, disability, and death.

*Target users:* Independent workers and freelancers

*Distribution:* Direct online

### Embedded Insurance Platform

API-first embedded insurance infrastructure enabling partners to distribute Orus products within their own platforms. Three integration modes: co-branded journey (custom URL-based subscription), pre-filled insurance (partner data auto-populates client forms), and embedded API (direct workflow integration).

*Target users:* Fintechs, HR platforms, accountancy tools, freelancer platforms

*Distribution:* B2B partner API

### Broker Platform \(Launching 2025/2026\)

A digital broker platform enabling insurance intermediaries to quote, customize, and manage Orus products for their SMB clients.

*Target users:* Insurance brokers and intermediaries

*Distribution:* B2B broker channel

## Links

- Website: <https://www.orus.eu>
- Directory profile: <https://insurtechlist.com/companies/orus/>
- Blog: <https://www.orus.eu/blog>
- Press: <https://www.orus.eu/presse>
- Linkedin: <https://fr.linkedin.com/company/orus-insurance>
- Embedded insurance: <https://www.orus.eu/embedded-insurance>

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*Last updated: 2026\-06\-04*