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