Business insurance · France
April Construction
Décennale through broker APRIL Partenaires, with published starting prices per trade
Market position
APRIL Construction is the building-trades décennale offer (the PROBAT range) of APRIL Partenaires, a registered insurance intermediary in Fougères that places cover with partner insurers it does not name. It allows up to 10 insurable activities on one contract and publishes 'from' prices per trade, each tied to a stated profile. The APRIL group describes itself as a wholesale insurance broker and has been controlled by the investment firm KKR since 2023, according to press reports.
France-specific note
APRIL's published 'from' prices are a useful first benchmark for décennale, but each is for one profile (for example a new electrician with €30,000 turnover), so get a quote for your own figures. Ask which insurer carries the policy and check that every activity you do is listed on the attestation.
Pros
- + Publishes starting prices per trade, with the profile used
- + Up to 10 insurable activities on one contract
- + Digital attestation, including a phone wallet format
- + Also offers RC pro, multirisk, health and prévoyance cover
Cons
- − Starting prices assume a specific profile, such as a new business with €30,000 turnover
- − Broker: the insurer carrying the risk is not named on the page
- − Final price needs a quote; APRIL says premiums run from €700 to over €5,000 a year
- − Photovoltaic and design trades start far higher (€418 and €369 a month)
Typical France pricing
Published 'from' prices, TTC per month, each for a stated profile: electrician €69 (new business, €30,000 turnover); painter or plasterer €72 (new business, €30,000 turnover, €2,000 excess); IRVE charger installer €69; building design professions €369; photovoltaic installer €418. APRIL says annual premiums range from €700 to over €5,000.
Why this matters for France trades
Since 1 September 2026 every French business must be able to receive B2B e-invoices through a plateforme agréée registered by the State (CGI art. 289 bis), and PME, TPE and micro-entreprises must issue them by 1 September 2027; DGFiP says no sanctions apply in 2026 while businesses adapt. Assurance décennale (Loi Spinetta) must be in place before work starts, and building without it is punishable by 6 months’ imprisonment and/or a 75,000 euro fine, per service-public.fr. TVA on building work on homes is 20% standard, 10% for improvement, transformation, fitting-out and maintenance, and 5.5% for energy renovation, with the reduced rates only for dwellings completed more than two years ago. Clients can only claim MaPrimeRénov’, the éco-PTZ or CEE bonuses if the work is done by an RGE professional. Businesses register through the Guichet des formalités des entreprises, with the CMA advising artisans, and regulated building trades must be carried out or controlled by a qualified person (CAP, BEP or BP, an equivalent RNCP title, or three years’ experience).
French artisan (bâtiment) vendor selection is shaped by facturation électronique (every business must be able to receive e-invoices through a plateforme agréée since 1 September 2026, and PME, TPE and micro-entreprises must issue them by 1 September 2027), compulsory assurance décennale taken out before work starts, multi-rate TVA (20%, 10% and 5.5%), the RGE label that homeowner clients need to claim energy-renovation aid, and the micro-entrepreneur regime with its turnover ceilings and VAT franchise.
Frequently asked
Is April Construction a good fit for France trades?
APRIL Construction is the building-trades décennale offer (the PROBAT range) of APRIL Partenaires, a registered insurance intermediary in Fougères that places cover with partner insurers it does not name. It allows up to 10 insurable activities on one contract and publishes 'from' prices per trade, each tied to a stated profile. The APRIL group describes itself as a wholesale insurance broker and has been controlled by the investment firm KKR since 2023, according to press reports. APRIL's published 'from' prices are a useful first benchmark for décennale, but each is for one profile (for example a new electrician with €30,000 turnover), so get a quote for your own figures. Ask which insurer carries the policy and check that every activity you do is listed on the attestation.
What does April Construction cost in France?
Published 'from' prices, TTC per month, each for a stated profile: electrician €69 (new business, €30,000 turnover); painter or plasterer €72 (new business, €30,000 turnover, €2,000 excess); IRVE charger installer €69; building design professions €369; photovoltaic installer €418. APRIL says annual premiums range from €700 to over €5,000. Pricing and availability can change by region; confirm current France pricing on the vendor's site before committing.