Business insurance · France · Head-to-head
MAAF Pro vs Orus
Two France business insurance options, compared side by side for France trades.
Which should you choose?
MAAF Pro 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.
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.
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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