Business insurance · France
MAAF Pro
Mutuelle généraliste avec solutions décennale artisan
Market position
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.
France-specific note
Convenient if you want pro and personal cover under one familiar mutual — but for décennale specifically, benchmark against the BTP specialists before deciding.
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
Typical France pricing
Quote-based.
Why this matters for France trades
Facturation électronique is becoming mandatory via approved platforms (PDP) — reception for all businesses from 1 September 2026, issuance for SMEs and micro-entreprises from 1 September 2027; assurance décennale (Loi Spinetta) is legally mandatory before a worksite opens, with a criminal penalty for working uninsured; TVA is multi-rate (20% standard, 10% renovation, 5.5% energy); RGE certification is commercially essential for clients to claim MaPrimeRénov’ and other subsidies; business registration runs through the CMA/guichet unique; and regulated trades require a qualification (diploma or three years’ experience).
French artisan (bâtiment) vendor selection is shaped by the incoming facturation électronique mandate (reception for all businesses from 1 September 2026, issuance for SMEs/micro from 1 September 2027, via approved PDP platforms), mandatory ten-year assurance décennale under the Loi Spinetta, multi-rate TVA (20/10/5.5%), RGE certification for subsidised renovation work, and the micro-entrepreneur regime that most solo tradespeople operate under.
Frequently asked
Is MAAF Pro a good fit for France trades?
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. Convenient if you want pro and personal cover under one familiar mutual — but for décennale specifically, benchmark against the BTP specialists before deciding.
What does MAAF Pro cost in France?
Quote-based.. Pricing and availability can change by region — confirm current France pricing on the vendor's site before committing.