Business insurance · France · Head-to-head
AXA (BATISSUR) vs Orus
Two France business insurance options, compared side by side for France trades.
Which should you choose?
AXA (BATISSUR) 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.
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.
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.
More France options
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