How quickly can I get covered?

Between 48 hours and 5 business days depending on the complexity of your business and the coverage needed. We can move faster if you have an urgent deadline.

I already have a broker — can I switch?

Yes, at any time. Mid-term cancellation is possible under certain conditions, and we handle all coordination with your current broker.

I have an existing policy through a broker

We can take over your file through a brokerage mandate. Your policy continues, your coverage stays intact, and we handle follow-up and renewal negotiations.

Lesto is paid by commission on premiums, like all brokers. There's no extra cost to you — our incentive is to optimize your coverage, not to oversell.

What types of businesses do you cover?

We focus on fast-growing companies and startups — tech, SaaS, marketplaces, deeptech, mobility. If your business moves fast, we're built for you.

Do you handle claims?

Yes, that's a core part of what we do. We support you from filing to settlement, and we defend your interests with the insurer.

Lesto is a licensed P&C broker — specialized in fast-moving companies.

Our coverage Sectors Team Blog

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Your business evolves. Your insurance should keep up.

Most business owners discover gaps in their coverage at the worst possible time. We're here to make sure that doesn't happen.

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All your business insurance, with Lesto

Liability

Professional Liability

When a client blames you for a mistake or a delay, legal fees pile up fast. Professional Liability picks up the bill for you.

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Digital

Cyber

One morning your files are locked and a hacker demands a ransom. Cyber insurance pays for the recovery and the crisis response.

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Mobility

Auto

Your professional vehicles drive for your business, a single one or an entire fleet, so every accident can cost your company. Auto insurance covers them all, however many you have.

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Property

Property Damage (BOP)

A fire or water damage can shut your premises overnight. This insurance pays for the repairs and keeps you afloat until you reopen.

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Health

Group Health Insurance

French law requires every company to offer its employees supplementary health cover. Group Health Insurance tops up state healthcare reimbursements, from everyday care to hospitalisation.

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Brokerage hasn't changed in 30 years. We built Lesto to change that.

THE PROBLEM

Your broker sees you once a year. Your file changes hands regularly.

WITH LESTO

A single contact who knows your business.

From your first policy to every claim.

THE PROBLEM

Your contracts, policies and certificates are scattered across emails and spreadsheets.

WITH LESTO

Everything in one place. Finally.

Review your contracts, simulate scenarios, challenge your coverage.

THE PROBLEM

You're paying the price of a model built for the 90s.

WITH LESTO

A premium that reflects your real risk.

Not your broker's overhead costs.

72haverage time to first analysis

+40%average savings identified on audited programs

9 insurersconsulted on average per case

Averages observed on the files handled by Lesto, updated periodically.

Insurance isn't a tax. It's a tool.

Emails, spreadsheets, manual follow-ups — that's still the reality for most brokers. Not because they don't care. Because compliance and admin absorb everything. Lesto was built differently. Technology does what it does better than humans. Humans do what technology cannot. Result: less structure, more expertise, and a premium that reflects it.