Business insurance · France · Head-to-head
AXA (BATISSUR) vs SMABTP
Two France business insurance options, compared side by side for France trades.
Which should you choose?
AXA (BATISSUR) and SMABTP 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.
SMABTP
Tier A · ListedConstruction mutual insurer since 1859: décennale, liability and business cover for building firms
SMABTP (Société mutuelle d'assurance du bâtiment et des travaux publics) is a Paris-based mutual insurer in Groupe SMA, founded in 1859 by a Paris masonry contractors' association; it says it wrote the first décennale contract in 1923. Its artisan décennale contract includes the ten-year liability plus civil liability, works-damage cover, legal protection and personal accident cover, and it offers an online quote. Premiums are not published and depend on trade, turnover, staff, company age, qualifications and claims history.
Pros
- + Mutual insurer focused on construction since 1859
- + Décennale bundled with civil liability, works damage and legal protection
- + Online décennale quote tool
- + Also insures vehicles, premises, health and prévoyance for artisans
Cons
- − No published prices
- − Premium depends on trade, turnover, staff, company age and claims history
- − Discount terms for new or claim-free firms not published
France note
SMABTP reminds builders that décennale cover is required from the first day of activity. It offers an online quote but publishes no prices, so get its quote alongside others and compare the activities covered, the excess and the attestation wording, not just the premium.
More France options
See all France business insurance vendors and the rest of the France directory.