Business insurance · France · Head-to-head
April Construction vs MAAF Pro
Two France business insurance options, compared side by side for France trades.
Which should you choose?
April Construction and MAAF Pro 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.
MAAF Pro
Tier A · ListedAssureur mutualiste des artisans (groupe Covéa), avec une offre décennale
MAAF is a French mutual insurer founded in 1950 in Niort and one of the three French brands of the Covéa group, with MMA and GMF. Covéa describes MAAF as a mutual insurer without intermediaries and the historic insurer of artisans, covering both private and professional lines. CAPEB, the artisan building trades federation, lists MAAF as a partner offering cover for premises, equipment, professional vehicles and responsabilité civile décennale.
Pros
- + French mutual insurer, part of the Covéa group
- + Historic insurer of artisans, per Covéa
- + Décennale plus premises, equipment and vehicle cover, per CAPEB
- + Pro and personal insurance from one insurer
Cons
- − No public prices confirmed: a quote is needed
- − Sells directly, so there is no broker comparing insurers for you
- − Décennale product details could not be checked on MAAF's own site
France note
Convenient if you want professional and personal cover from one French mutual. Décennale insurance is compulsory for building work, so check that every activity you carry out is named on the MAAF certificate and compare the cover limits and deductibles with other décennale quotes.
More France options
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