Business insurance · France · Head-to-head
April Construction vs Orus
Two France business insurance options, compared side by side for France trades.
Which should you choose?
April Construction and Orus 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.
Orus
Tier A · ListedOnline décennale through broker Orus: quote in minutes, attestation in 24 hours
Orus is an insurance broker based in Saint-Mandé that sells décennale, RC pro, multirisk, health and prévoyance cover online to small businesses. Its décennale covers more than 100 building trades, bundles the ten-year liability with professional liability and a proper-functioning guarantee, and allows up to 5 activities per contract. Orus lists Hiscox, AIG and Munich Re as the companies guaranteeing its contracts and says it has more than 60,000 policyholders.
Pros
- + Online quote in about 3 minutes and attestation in 24 hours, per Orus
- + Décennale bundles RC pro and a proper-functioning guarantee
- + More than 100 building trades covered, up to 5 activities per contract
- + Published starting price, with up to 20% off for firms under 6 months old
Cons
- − Broker, not the insurer: cover is carried by partner insurers
- − Starting price's profile and tax basis not stated
- − Needs a year of recent experience or a relevant diploma
- − Limit of 5 activities per contract
France note
Orus quotes décennale online in minutes and says attestations are issued within 24 hours, which helps if a site start is waiting on your certificate. It is a broker, so ask which insurer carries your policy, and check that all your activities (up to 5 per contract) appear on the attestation.
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