After working for several years in the insurance industry, François-Xavier Combe decided to launch neo-insurance Stello ☂️
Its aim? Simplify insurance and make it accessible to all professionals, with a 100% digital, made-to-measure offer and a subscription in 5 minutes 🙌
The mission of Stello (formerly Easyblue)? To make the entrepreneurial adventure safer and more secure 🔐
How? By enabling the entrepreneur to manage his insurance and risks independently, thanks to a tool that is accessible at all times and very easy to use ✅
"Stello is the star that watches over all professionals.
Protection solutions for thousands of professions, whether you're a self-employed entrepreneur, a freelancer or a company director. Professional liability, legal protection, premises insurance, IT equipment, cyber-risk, provident insurance, mutual health insurance: all insurance is available online and tailor-made."
Understand your occupational risks and manage them proactively with Stello ☂️
François-Xavier explains that the insurance environment is quite opaque, and that it can sometimes be difficult to find one's way around. Stello's aim is to simplify this often long and tedious process, to help professionals understand their risks and protect themselves accordingly.
"Insurance is part of any good contractor's checklist. Unfortunately, it's often forgotten, and the consequences can be catastrophic."
When insurance becomes accessible 👌
Simplicity is one of François-Xavier's priorities.
"Insurance is a fairly old industry, which hasn't really modernized. The idea for Stello came quite naturally. Professionals wanted a transparent, secure tool, a steering and coaching platform accessible 24 hours a day."
As an entrepreneur himself since the age of 29, François-Xavier quickly understood this need.
"I know what it's like to do the accounts on a Saturday morning. I know all the hassles of being an entrepreneur, the legal stress we can get into. I wanted to offer a tool that would help you manage your insurance simply."
Another big difference with conventional insurance is that it saves time.
"As an entrepreneur, time is obviously money. In the traditional scheme, taking out Professional Liability insurance takes an average of 14 days. With Stello, it's just 5 minutes, with no paperwork or agency visits."
A complete assessment of occupational risks 🎯
"Stello's vocation is to be the leading platform for coaching and steering business risks and insurance."
To achieve this, Stello has developed a tailor-made online course: in just a few minutes, it establishes a complete and detailed mapping of your risks according to your activity.
"In concrete terms, I'm an entrepreneur, I'm going to set up my own business: thanks to Stello, I'll have a complete budget estimate, and all the risks to which I'm exposed as a professional.
And if I've already had my business for years, I can use coaching to check that I'm properly insured and challenge my budgets."
François-Xavier wants the entrepreneur to be supported throughout his professional life with appropriate insurance.
"In the beginning, the entrepreneur may start out with a professional liability policy. Then he'll buy computer equipment, hire his first employees... And will need more protection. We offer a scalable package."
Putting an end to the entrepreneur's mental burden 😰
Having your own business means having a lot of weight on your shoulders and a lot of constraints, all the while trying to keep your business moving forward. Stello helps entrepreneurs avoid adding to their burdens by making insurance easy.
"Thanks to Stello, insurance is no longer a mental burden, and this energy the entrepreneur can put elsewhere, in his core business."
The DNA of an entrepreneur is to take risks, but François-Xavier stresses that it would be foolish to lose his business for not having thought about his insurance.
"His business is his life. To see your company die because you didn't take 3 minutes and a little bit of your budget to protect it, that's dramatic."
Focus on the customer ⭐️
For François-Xavier, the customer is at the heart of Stello's strategy. Numerous user tests are carried out before launching an offer. Once customers are on board, Stello has a real culture of feedback.
One in two people need no human contact to finalize their Stello registration. But if the professional has the slightest question, the team is available by chat or telephone: the customer is called back in less than 2 minutes. And in the event of a claim, close support is provided.
"Customer well-being is at the heart of our strategy. At the time of the claim, it's the moment of truth for the insurer. Our customers are going to find experts to coordinate all the claims management so that everything goes smoothly."
Health insurance for executives ✨
With the same objective of providing day-to-day insurance cover for entrepreneurs, François-Xavier and his teams have worked to offer self-employed people health insurance through a TNS mutual and provident scheme. These products are a must-have for the self-employed, as they protect your business against any health problems and also offer social and tax advantages. Stello's TNS mutual and provident insurance offers can be tailored to the needs of each professional.
"A 22-year-old single entrepreneur will not have the same needs as a 55-year-old entrepreneur with several employees. Our product will be modular: in just a few clicks, the entrepreneur will have his personalized rate, for himself, his family or his employees."
Discover the Stello neo-insurance and make your free risk diagnosis in just a few minutes.
