Business insurance · France · Head-to-head
April Construction vs AXA (BATISSUR)
Two France business insurance options, compared side by side for France trades.
Which should you choose?
April Construction and AXA (BATISSUR) are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and France-specific notes below against your trade and region.
April Construction
Tier A · ListedDécennale through broker APRIL Partenaires, with published starting prices per trade
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.
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)
France 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.
AXA (BATISSUR)
Tier A · ListedAssurance décennale et responsabilité civile BTP (contrat BATISSUR Concept)
AXA France sells BATISSUR Concept, a construction insurance contract for building professionals. AXA says it combines responsabilité civile décennale, cover for damage during the works, general liability before and after reception and cover for Travaux Non Constitutifs d'Ouvrage (TNCO), including when the firm works as a subcontractor. AXA France is part of the AXA group, which states it has more than 92 million clients in 52 countries.
Pros
- + Décennale, damage during works and general liability in one contract, per AXA
- + Covers non-structural work (TNCO) as well
- + Applies when you work as a subcontractor, per AXA
- + Quote request online or through a local AXA agent
Cons
- − No public prices: a quote is needed
- − Cover applies within the contract's terms and conditions, so check the declared activities
- − Multirisque Pro (premises and equipment) is a separate AXA product
France note
Décennale cover is compulsory for French building work, and the insurance certificate must be attached to your devis and invoice. AXA's BATISSUR Concept is one way to get it through a mainstream insurer with a local agent network; compare the declared activities, cover limits and deductibles with other décennale quotes before signing.
More France options
See all France business insurance vendors and the rest of the France directory.