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?
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.
Orus
Tier A · WorkableDécennale 100% en ligne, attestation sous 24h
A French insurtech offering fully online décennale across 100+ BTP trades with an attestation issued within 24 hours and published starting prices — the fast, modern route to mandatory cover.
Pros
- + Fully online; fast (attestation in 24h)
- + Covers 100+ BTP trades
- + Published starting price
- + Modern, low-friction experience
Cons
- − Insurtech (younger than incumbents)
- − Final price by quote
- − Cover depth vs specialists to compare
- − Online-first support
France note
The quickest way to get compliant décennale cover if you need an attestation fast — just compare its cover scope against SMABTP for bigger or higher-risk work.
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.