MAAF Pro vs SMABTP

Assureur 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

Construction 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