Business insurance · France · Head-to-head
MAAF Pro vs SMABTP
Two France business insurance options, compared side by side for France trades.
Which should you choose?
SMABTP 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.
MAAF Pro
Tier A · WorkableMutuelle généraliste avec solutions décennale artisan
A French generalist mutual (Covéa group) offering artisan décennale solutions — a familiar mainstream name for tradespeople who want one insurer across pro and personal lines.
Pros
- + Established French mutual (Covéa)
- + Artisan décennale solutions
- + Wide branch network
- + One-insurer convenience
Cons
- − Quote-only
- − Less BTP-specialist than SMABTP
- − Cover scope varies
- − Pricing opaque
France note
Convenient if you want pro and personal cover under one familiar mutual — but for décennale specifically, benchmark against the BTP specialists before deciding.
SMABTP
Tier S · RecommendedL’assureur mutualiste historique du BTP — décennale + RC Pro
The historic French BTP mutual insurer (since 1859) and the reference for artisan décennale — bundling mandatory ten-year decennial liability with RC Pro, with deep building-sector specialism.
Pros
- + The reference for BTP décennale
- + Mutual, BTP-specialist since 1859
- + Décennale + RC Pro bundled
- + Deep claims/sector expertise
Cons
- − Quote-only (no online pricing)
- − Premiums reflect specialist cover
- − Application/underwriting process
- − Less "instant" than insurtechs
France note
The incumbent every French builder knows for décennale. Get a SMABTP quote as your benchmark, then compare the insurtechs (Orus, April) on price and speed.
More France options
See all France business insurance vendors and the rest of the France directory.