[{"data":1,"prerenderedAt":2382},["ShallowReactive",2],{"article-co-courtage-monter-affaire-plusieurs-courtiers":3,"related-co-courtage-monter-affaire-plusieurs-courtiers":604},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"slug":10,"publishedAt":11,"updatedAt":11,"author":12,"cover":16,"categories":21,"tags":23,"readingTime":29,"featured":6,"status":30,"seo":31,"faq":36,"body":52,"_type":598,"_id":599,"_source":600,"_file":601,"_stem":602,"_extension":603},"\u002Fblog\u002F2025\u002Fco-courtage-monter-affaire-plusieurs-courtiers","2025",false,"","Co-courtage : comment monter une affaire à plusieurs courtiers (et qui gagne quoi)","Co-courtage en assurance : définition, 3 modèles (horizontal, vertical, expertise), conventions de partage commission, cas d'usage. Guide stratégique 2025.","co-courtage-monter-affaire-plusieurs-courtiers","2025-12-05T08:00:00Z",{"name":13,"slug":14,"role":15},"Service marketing","service-marketing","Tutassûr",{"src":17,"alt":18,"width":19,"height":20},"\u002Fblog\u002Fco-courtage-monter-affaire-plusieurs-courtiers\u002Fcover.svg","Co-courtage en assurance — Tutassur",1200,675,[22],"conseils-courtiers",[24,25,26,27,28],"co-courtage","partage commission","convention courtage","expert risque","Tutassur",7,"published",{"ogImage":32,"metaKeywords":33},"\u002Fblog\u002Fco-courtage-monter-affaire-plusieurs-courtiers\u002Fcover.png",[24,34,35],"co-courtage assurance pro","partage commission courtier",[37,40,43,46,49],{"question":38,"answer":39},"Faut-il un contrat écrit en co-courtage ?","Oui, sans hésiter. Aucun texte n'impose formellement la forme écrite, mais la jurisprudence civile française considère qu'en l'absence de convention signée, la commission se partage par moitié entre les co-courtiers identifiés. Un écrit clair évite la moitié des contentieux : il fige les quotes-parts, le porteur de risque, le titulaire du devoir de conseil principal et la durée d'engagement. La convention type prévoit une durée de 12 à 36 mois reconductible et une clause de sortie sur préavis 3 mois.",{"question":41,"answer":42},"Qui porte le devoir de conseil en co-courtage ?","Les deux courtiers, conjointement. L'article L. 521-2 du Code des assurances impose à tout distributeur d'assurance un devoir de conseil personnalisé et tracé. Quand deux intermédiaires interviennent sur la même affaire, l'ACPR retient la responsabilité solidaire : chacun reste comptable de la pertinence du contrat vendu. La convention de co-courtage peut désigner un courtier conseil principal (souvent celui qui détient la relation client) et un courtier technique (souvent le grossiste expert), mais cette répartition ne s'oppose pas au client. Tracer chaque échange dans l'extranet Tutassur protège les deux signataires.",{"question":44,"answer":45},"Co-courtage et confidentialité du portefeuille : quels risques ?","C'est la peur n°1 du courtier de proximité : confier un client au grossiste, et voir ce client basculer sur le portefeuille direct du grossiste 18 mois plus tard. La parade est contractuelle. Une clause de non-démarchage et de non-sollicitation, assortie d'une durée de 24 à 36 mois après la fin de la convention, sécurise le courtier apporteur. Tutassur s'engage par défaut sur une clause d'exclusivité d'apport : le client reste rattaché au courtier d'origine tant que la convention vit. Le détail des contrats reste cloisonné par identifiant dans l'extranet.",{"question":47,"answer":48},"Quel partage de commission est standard en co-courtage ?","Sur une affaire généraliste \u002F expert, le partage typique se situe entre 30\u002F70 et 40\u002F60 au profit du porteur d'expertise (souvent le grossiste). Sur une affaire entre deux courtiers généralistes qui apportent chacun une partie du dossier (par exemple, l'un apporte le client, l'autre place le risque via ses délégations), le partage 50\u002F50 reste fréquent. Le pourcentage varie selon trois critères : qui apporte le client, qui porte le devoir de conseil principal, qui gère le sinistre. La convention chiffre ces trois lignes séparément.",{"question":50,"answer":51},"Le co-courtage est-il compatible avec le statut d'intermédiaire ORIAS ?","Oui, totalement. L'article L. 511-1 du Code des assurances définit l'intermédiaire en assurance comme toute personne qui exerce contre rémunération une activité de distribution. Deux courtiers ORIAS peuvent co-distribuer un même contrat sans changement de statut. La seule exigence : chaque co-courtier doit être immatriculé, à jour de sa RC pro et de son obligation de formation continue (15 heures par an, conformément à la directive DDA).",{"type":53,"children":54,"toc":585},"root",[55,67,79,105,112,122,141,153,176,182,187,194,212,217,223,255,260,266,277,296,302,314,340,373,398,417,423,428,440,459,493,498,504,513,523,533,543,581],{"type":56,"tag":57,"props":58,"children":59},"element","p",{},[60],{"type":56,"tag":61,"props":62,"children":63},"em",{},[64],{"type":65,"value":66},"text","Article rédigé pour les courtiers généralistes, courtiers de proximité et courtiers spécialisés qui cherchent à monter des affaires complexes à plusieurs. Les références juridiques renvoient au Code des assurances et aux positions ACPR disponibles à la date de publication.",{"type":56,"tag":57,"props":68,"children":69},{},[70,72,77],{"type":65,"value":71},"Le ",{"type":56,"tag":73,"props":74,"children":75},"strong",{},[76],{"type":65,"value":24},{"type":65,"value":78}," est l'angle mort du marché français du courtage. Souvent confondu avec la simple présentation d'affaires, il représente pourtant une voie de croissance rentable pour le généraliste qui veut traiter des risques au-dessus de ses délégations habituelles, et un canal d'apport structuré pour le grossiste expert. Bien monté, un co-courtage permet de placer un risque qu'aucun des deux courtiers ne tenait seul.",{"type":56,"tag":57,"props":80,"children":81},{},[82,84,89,91,96,98,103],{"type":65,"value":83},"Cet article décrit le ",{"type":56,"tag":73,"props":85,"children":86},{},[87],{"type":65,"value":88},"cadre juridique",{"type":65,"value":90},", les ",{"type":56,"tag":73,"props":92,"children":93},{},[94],{"type":65,"value":95},"trois modèles",{"type":65,"value":97}," opérationnels (horizontal, vertical, par expertise), les clauses essentielles d'une ",{"type":56,"tag":73,"props":99,"children":100},{},[101],{"type":65,"value":102},"convention de partage de commission",{"type":65,"value":104},", et un cas d'usage entre un courtier généraliste et un grossiste expert risque pro.",{"type":56,"tag":106,"props":107,"children":109},"h2",{"id":108},"co-courtage-définition-et-cadre-juridique",[110],{"type":65,"value":111},"Co-courtage : définition et cadre juridique",{"type":56,"tag":57,"props":113,"children":114},{},[115,116,120],{"type":65,"value":71},{"type":56,"tag":73,"props":117,"children":118},{},[119],{"type":65,"value":24},{"type":65,"value":121}," désigne la situation où deux courtiers (ou plus) interviennent ensemble sur une même affaire, depuis la qualification du besoin jusqu'au placement et à la gestion du contrat. Ce n'est pas une simple apport d'affaires : dans l'apport, le courtier apporteur sort de la chaîne dès la présentation et touche un honoraire forfaitaire. Dans le co-courtage, les deux intermédiaires restent actifs sur la vie du contrat et se partagent la commission tant que l'affaire vit.",{"type":56,"tag":57,"props":123,"children":124},{},[125,127,132,134,139],{"type":65,"value":126},"Le cadre juridique français est minimaliste, ce qui laisse une marge contractuelle forte mais oblige à écrire. L'",{"type":56,"tag":73,"props":128,"children":129},{},[130],{"type":65,"value":131},"article L. 511-1 du Code des assurances",{"type":65,"value":133}," définit l'intermédiaire en assurance comme toute personne qui présente, propose ou aide à conclure un contrat contre rémunération. Deux courtiers ORIAS peuvent donc parfaitement co-distribuer un même contrat. L'",{"type":56,"tag":73,"props":135,"children":136},{},[137],{"type":65,"value":138},"article L. 521-2",{"type":65,"value":140}," impose à chacun un devoir de conseil personnalisé, tracé, et compatible avec les exigences du client. La responsabilité reste solidaire : si le contrat est mal vendu, l'ACPR sanctionne les deux distributeurs, indépendamment de la quote-part de commission.",{"type":56,"tag":57,"props":142,"children":143},{},[144,146,151],{"type":65,"value":145},"La jurisprudence civile a tranché un point essentiel en cas de litige sur la commission : à défaut de convention écrite, les juges retiennent un partage ",{"type":56,"tag":73,"props":147,"children":148},{},[149],{"type":65,"value":150},"par parts égales",{"type":65,"value":152}," entre les co-courtiers identifiables sur le dossier. Concrètement, sans écrit, le grossiste expert qui a porté 80 % du travail technique se retrouvera à 50\u002F50 face au généraliste qui a apporté le client. Cette règle suffit à elle seule à justifier la signature systématique d'une convention de co-courtage avant tout placement à plusieurs.",{"type":56,"tag":57,"props":154,"children":155},{},[156,158,163,165,174],{"type":65,"value":157},"Le cadre fiscal suit la commission : chaque co-courtier facture sa quote-part directement à l'assureur ou via une délégation de paiement organisée par le grossiste. Le ",{"type":56,"tag":73,"props":159,"children":160},{},[161],{"type":65,"value":162},"CSCA",{"type":65,"value":164}," publie des modèles types de conventions disponibles sur ",{"type":56,"tag":166,"props":167,"children":171},"a",{"href":168,"rel":169},"https:\u002F\u002Fwww.csca.fr",[170],"nofollow",[172],{"type":65,"value":173},"csca.fr",{"type":65,"value":175}," qui servent de base de négociation marché.",{"type":56,"tag":106,"props":177,"children":179},{"id":178},"les-3-modèles-de-co-courtage",[180],{"type":65,"value":181},"Les 3 modèles de co-courtage",{"type":56,"tag":57,"props":183,"children":184},{},[185],{"type":65,"value":186},"Le co-courtage se décline en trois modèles, qui ne répondent pas aux mêmes besoins ni aux mêmes économies.",{"type":56,"tag":188,"props":189,"children":191},"h3",{"id":190},"co-courtage-horizontal",[192],{"type":65,"value":193},"Co-courtage horizontal",{"type":56,"tag":57,"props":195,"children":196},{},[197,198,203,205,210],{"type":65,"value":71},{"type":56,"tag":73,"props":199,"children":200},{},[201],{"type":65,"value":202},"co-courtage horizontal",{"type":65,"value":204}," réunit deux courtiers de même statut, généralement deux généralistes, qui mutualisent une affaire trop lourde pour un seul cabinet. Cas typique : un industriel multi-sites où chaque courtier détient une partie de la relation (par exemple, l'un travaille avec le DG, l'autre avec le directeur financier d'un actionnaire). Le partage est généralement ",{"type":56,"tag":73,"props":206,"children":207},{},[208],{"type":65,"value":209},"50\u002F50",{"type":65,"value":211},", calé sur l'apport mutuel, et la gestion sinistre se répartit géographiquement.",{"type":56,"tag":57,"props":213,"children":214},{},[215],{"type":65,"value":216},"Ce modèle reste rare en France et concentre l'essentiel de son volume sur les flottes auto entreprise et les programmes internationaux. Il suppose une confiance forte entre les deux cabinets, et une convention très détaillée sur la gestion des renouvellements pour éviter qu'un des deux courtiers ne capture seul l'avenant à l'échéance.",{"type":56,"tag":188,"props":218,"children":220},{"id":219},"co-courtage-vertical",[221],{"type":65,"value":222},"Co-courtage vertical",{"type":56,"tag":57,"props":224,"children":225},{},[226,227,232,234,239,241,246,248,253],{"type":65,"value":71},{"type":56,"tag":73,"props":228,"children":229},{},[230],{"type":65,"value":231},"co-courtage vertical",{"type":65,"value":233}," structure une relation entre un ",{"type":56,"tag":73,"props":235,"children":236},{},[237],{"type":65,"value":238},"courtier de proximité",{"type":65,"value":240}," et un ",{"type":56,"tag":73,"props":242,"children":243},{},[244],{"type":65,"value":245},"courtier grossiste",{"type":65,"value":247},". Le courtier de proximité détient le client, qualifie le besoin, fait signer le contrat ; le grossiste apporte ses délégations, son extranet de souscription, son back-office, et négocie auprès des compagnies. Le partage typique se situe entre ",{"type":56,"tag":73,"props":249,"children":250},{},[251],{"type":65,"value":252},"30\u002F70 et 40\u002F60",{"type":65,"value":254}," au profit du courtier apporteur (le proximité), parce que la valeur client reste le verrou commercial.",{"type":56,"tag":57,"props":256,"children":257},{},[258],{"type":65,"value":259},"C'est le modèle dominant en France sur les risques pro et les niches IARD. Tutassur opère majoritairement en co-courtage vertical avec ses 1 200 partenaires courtiers : le grossiste fournit la technique, le proximité garde la relation, l'extranet Tutassur trace les échanges et les pièces. La convention encadre la durée (12 à 36 mois reconductible), les clauses de non-sollicitation et le mode de paiement de la commission.",{"type":56,"tag":188,"props":261,"children":263},{"id":262},"co-courtage-par-expertise",[264],{"type":65,"value":265},"Co-courtage par expertise",{"type":56,"tag":57,"props":267,"children":268},{},[269,270,275],{"type":65,"value":71},{"type":56,"tag":73,"props":271,"children":272},{},[273],{"type":65,"value":274},"co-courtage par expertise",{"type":65,"value":276}," réunit deux courtiers spécialisés sur des familles de risque différentes pour servir un même client multi-besoins. Exemple : un courtier expert risque industriel s'associe à un courtier expert santé collective pour équiper un groupe de 200 salariés en RC pro et en prévoyance. Aucun des deux ne tient seul la gamme, mais ensemble ils couvrent l'intégralité du besoin.",{"type":56,"tag":57,"props":278,"children":279},{},[280,282,287,289,294],{"type":65,"value":281},"Le partage se cale sur la prime portée par chaque spécialité, et non sur un pourcentage global. Sur l'exemple ci-dessus, si la RC pro représente 60 000 euros de prime et la prévoyance 90 000 euros, chacun facture sa propre commission sur son périmètre, avec une ",{"type":56,"tag":73,"props":283,"children":284},{},[285],{"type":65,"value":286},"commission croisée",{"type":65,"value":288}," modeste de 5 à 10 % versée à l'autre au titre de l'apport. Ce modèle suppose une ",{"type":56,"tag":73,"props":290,"children":291},{},[292],{"type":65,"value":293},"multi-distribution",{"type":65,"value":295}," déjà structurée chez les deux signataires et une grande hygiène contractuelle sur les périmètres respectifs.",{"type":56,"tag":106,"props":297,"children":299},{"id":298},"les-conventions-de-partage-de-commission",[300],{"type":65,"value":301},"Les conventions de partage de commission",{"type":56,"tag":57,"props":303,"children":304},{},[305,307,312],{"type":65,"value":306},"Une ",{"type":56,"tag":73,"props":308,"children":309},{},[310],{"type":65,"value":311},"convention de co-courtage",{"type":65,"value":313}," se construit autour de huit clauses essentielles qui doivent toutes apparaître noir sur blanc. La version courte ne suffit pas : c'est dans le détail que se loge le contentieux.",{"type":56,"tag":57,"props":315,"children":316},{},[317,319,324,326,331,333,338],{"type":65,"value":318},"D'abord, ",{"type":56,"tag":73,"props":320,"children":321},{},[322],{"type":65,"value":323},"l'identification des parties",{"type":65,"value":325}," et leurs numéros ORIAS, RC pro et siège social respectifs. Ensuite, ",{"type":56,"tag":73,"props":327,"children":328},{},[329],{"type":65,"value":330},"l'objet",{"type":65,"value":332}," : nom du client, nature du risque, contrat visé. La ",{"type":56,"tag":73,"props":334,"children":335},{},[336],{"type":65,"value":337},"quote-part de commission",{"type":65,"value":339}," se chiffre en pourcentage de la commission acquise par l'assureur, ligne par ligne : commission de placement, commission d'apport, commission de gestion. Sur une convention vertical type Tutassur, le découpage est 40\u002F60 sur l'apport, 30\u002F70 sur la gestion, 50\u002F50 sur les avenants techniques.",{"type":56,"tag":57,"props":341,"children":342},{},[343,345,350,352,357,359,364,366,371],{"type":65,"value":344},"La clause de ",{"type":56,"tag":73,"props":346,"children":347},{},[348],{"type":65,"value":349},"devoir de conseil",{"type":65,"value":351}," désigne le ",{"type":56,"tag":73,"props":353,"children":354},{},[355],{"type":65,"value":356},"courtier conseil principal",{"type":65,"value":358}," : celui qui rédige la fiche conseil, archive les justificatifs et signe la lettre de mission. Cette désignation n'éteint pas la responsabilité solidaire ACPR mais clarifie l'organisation interne. La ",{"type":56,"tag":73,"props":360,"children":361},{},[362],{"type":65,"value":363},"durée standard",{"type":65,"value":365}," s'établit entre ",{"type":56,"tag":73,"props":367,"children":368},{},[369],{"type":65,"value":370},"12 et 36 mois reconductible",{"type":65,"value":372}," par tacite reconduction, avec préavis de dénonciation à 3 mois.",{"type":56,"tag":57,"props":374,"children":375},{},[376,377,382,384,389,391,396],{"type":65,"value":344},{"type":56,"tag":73,"props":378,"children":379},{},[380],{"type":65,"value":381},"non-sollicitation",{"type":65,"value":383}," et de ",{"type":56,"tag":73,"props":385,"children":386},{},[387],{"type":65,"value":388},"non-démarchage",{"type":65,"value":390}," protège le courtier apporteur : interdiction pour le partenaire de démarcher directement le client pendant la convention et jusqu'à 24 à 36 mois après son terme. La clause ",{"type":56,"tag":73,"props":392,"children":393},{},[394],{"type":65,"value":395},"confidentialité du portefeuille",{"type":65,"value":397}," verrouille l'accès aux données client à un identifiant nominatif (l'extranet Tutassur cloisonne par défaut chaque dossier sur la session du courtier titulaire).",{"type":56,"tag":57,"props":399,"children":400},{},[401,403,408,410,415],{"type":65,"value":402},"Enfin, deux clauses techniques souvent oubliées : la ",{"type":56,"tag":73,"props":404,"children":405},{},[406],{"type":65,"value":407},"gestion sinistre",{"type":65,"value":409}," (qui pilote la déclaration, qui suit l'expertise, qui négocie l'indemnisation) et le ",{"type":56,"tag":73,"props":411,"children":412},{},[413],{"type":65,"value":414},"mode de paiement",{"type":65,"value":416}," (commission versée directement à chaque co-courtier par l'assureur, ou commission unique versée au grossiste qui reverse mensuellement la quote-part par compte rendu détaillé). Le second modèle reste le plus fréquent en France.",{"type":56,"tag":106,"props":418,"children":420},{"id":419},"cas-dusage-courtier-généraliste-qui-place-un-risque-pro-via-un-grossiste-expert",[421],{"type":65,"value":422},"Cas d'usage : courtier généraliste qui place un risque pro via un grossiste expert",{"type":56,"tag":57,"props":424,"children":425},{},[426],{"type":65,"value":427},"Cas réel anonymisé, traité en 2025 par notre back-office Grenoble.",{"type":56,"tag":57,"props":429,"children":430},{},[431,433,438],{"type":65,"value":432},"Un courtier généraliste installé dans une commune de 9 000 habitants en Auvergne-Rhône-Alpes suit depuis 12 ans un menuisier industriel passé de 4 à 28 salariés, avec un atelier de 1 800 m² et un parc machines à 1,4 million d'euros de valeur à neuf. Le contrat ",{"type":56,"tag":73,"props":434,"children":435},{},[436],{"type":65,"value":437},"RC pro multirisque industrielle",{"type":65,"value":439}," historique est porté par un assureur généraliste qui ne souhaite plus reconduire au-delà de l'échéance, jugeant le risque incendie trop concentré. Le courtier généraliste n'a pas de délégation IARD pro au-delà de 500 000 euros de valeur, et aucun accès aux marchés spécialistes du bois transformé.",{"type":56,"tag":57,"props":441,"children":442},{},[443,445,450,452,457],{"type":65,"value":444},"L'inspecteur courtage Sylvain Cortez prend contact via l'extranet Tutassur. La méthode d'",{"type":56,"tag":73,"props":446,"children":447},{},[448],{"type":65,"value":449},"étude sur-mesure",{"type":65,"value":451}," est lancée : visite atelier, analyse des process de stockage des sciures, vérification du système anti-incendie, refonte des valeurs assurées. Le risque est replacé chez un assureur spécialiste bois moyennant un dispositif compartimentage et détection. Prime annuelle finale : 47 000 euros, dont 22 % de commission soit ",{"type":56,"tag":73,"props":453,"children":454},{},[455],{"type":65,"value":456},"10 340 euros",{"type":65,"value":458},".",{"type":56,"tag":57,"props":460,"children":461},{},[462,464,469,471,476,478,483,485,491],{"type":65,"value":463},"La convention de co-courtage signée fixe un partage ",{"type":56,"tag":73,"props":465,"children":466},{},[467],{"type":65,"value":468},"40\u002F60",{"type":65,"value":470}," au profit du grossiste sur les deux premières années (4 136 euros pour le proximité, 6 204 euros pour Tutassur), inversé à ",{"type":56,"tag":73,"props":472,"children":473},{},[474],{"type":65,"value":475},"60\u002F40",{"type":65,"value":477}," dès la troisième année une fois la ",{"type":56,"tag":73,"props":479,"children":480},{},[481],{"type":65,"value":482},"formation mensuelle tracée",{"type":65,"value":484}," du courtier généraliste validée sur les risques bois. Le client reste rattaché au courtier d'origine, l'extranet Tutassur cloisonne le dossier, l'inspecteur reste joignable sur la durée. Pour la grille de comparaison technique entre extranets, le ",{"type":56,"tag":166,"props":486,"children":488},{"href":487},"\u002Fblog\u002Fcomparatif-extranets-courtiers-grossistes-scoring",[489],{"type":65,"value":490},"comparatif extranets courtiers grossistes scoring",{"type":65,"value":492}," détaille les 7 critères qui font la différence sur un dossier multi-mains.",{"type":56,"tag":57,"props":494,"children":495},{},[496],{"type":65,"value":497},"Trois ans plus tard, ce courtier a apporté deux autres dossiers similaires via le même canal, et la part de commission cumulée représente 14 % de son revenu annuel cabinet. Ni capture client, ni renégociation contractuelle conflictuelle.",{"type":56,"tag":106,"props":499,"children":501},{"id":500},"foire-aux-questions",[502],{"type":65,"value":503},"Foire aux questions",{"type":56,"tag":57,"props":505,"children":506},{},[507,511],{"type":56,"tag":73,"props":508,"children":509},{},[510],{"type":65,"value":38},{"type":65,"value":512}," Oui, sans hésiter. Aucun texte n'impose la forme écrite, mais sans convention signée, la jurisprudence répartit la commission à parts égales par défaut. Un écrit fige les quotes-parts, le porteur de devoir de conseil et la durée. La convention type prévoit 12 à 36 mois reconductible avec préavis 3 mois.",{"type":56,"tag":57,"props":514,"children":515},{},[516,521],{"type":56,"tag":73,"props":517,"children":518},{},[519],{"type":65,"value":520},"Qui porte le devoir de conseil ?",{"type":65,"value":522}," Les deux, conjointement. L'article L. 521-2 impose à chaque distributeur un conseil personnalisé. La convention peut désigner un courtier conseil principal, mais l'ACPR retient la responsabilité solidaire. Tracer chaque échange dans l'extranet Tutassur protège les deux signataires.",{"type":56,"tag":57,"props":524,"children":525},{},[526,531],{"type":56,"tag":73,"props":527,"children":528},{},[529],{"type":65,"value":530},"Co-courtage et confidentialité du portefeuille ?",{"type":65,"value":532}," Le risque de capture client se neutralise par une clause de non-démarchage de 24 à 36 mois après la fin de la convention, et par un cloisonnement technique des accès. 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Pour la pratique commerciale, s'appuyer sur un courtier grossiste accélère fortement la montée en compétence (gammes, tarification, support).",{"question":1909,"answer":1910},"Comment distribuer dès le départ sans portefeuille ni codes ?","En passant par un courtier grossiste : vous accédez à des gammes multi-compagnies sans ouvrir de code chez chaque assureur et sans minimum de production, ce qui permet de commencer à placer des affaires immédiatement après l'immatriculation ORIAS.",{"question":1912,"answer":1913},"Combien de temps pour être opérationnel ?","Le stage de 150h se déroule souvent en quelques semaines à temps partiel ; l'immatriculation ORIAS se fait ensuite en ligne. 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