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 edges ahead on our France tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the France-specific notes below.
April Construction
Tier S · RecommendedRC Décennale sur mesure par métier, prix « à partir de » publiés
A French insurer/broker offering décennale tailored per trade (up to 10 activities) — and one of the few publishing indicative "à partir de" pricing, which makes it easy to benchmark.
Pros
- + BTP décennale specialist
- + Per-trade tailoring (up to 10 activities)
- + Publishes indicative pricing
- + Established French brand
Cons
- − Final price still needs a quote
- − Broker/MGA model
- − Cover scope varies by trade
- − Add-ons for full protection
France note
A strong décennale benchmark precisely because it publishes starting prices — useful to sanity-check a SMABTP or AXA quote before you sign.
Orus
Tier A · WorkableDécennale 100% en ligne, attestation sous 24h
A French insurtech offering fully online décennale across 100+ BTP trades with an attestation issued within 24 hours and published starting prices — the fast, modern route to mandatory cover.
Pros
- + Fully online; fast (attestation in 24h)
- + Covers 100+ BTP trades
- + Published starting price
- + Modern, low-friction experience
Cons
- − Insurtech (younger than incumbents)
- − Final price by quote
- − Cover depth vs specialists to compare
- − Online-first support
France note
The quickest way to get compliant décennale cover if you need an attestation fast — just compare its cover scope against SMABTP for bigger or higher-risk work.
More France options
See all France business insurance vendors and the rest of the France directory.