Business insurance · France · Head-to-head
AXA (BATISSUR) vs MAAF Pro
Two France business insurance options, compared side by side for France trades.
Which should you choose?
AXA (BATISSUR) 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.
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.
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
See all France business insurance vendors and the rest of the France directory.