Business insurance · France
MAAF Pro
Assureur mutualiste des artisans (groupe Covéa), avec une offre décennale
Market position
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.
France-specific note
Convenient if you want professional and personal cover from one French mutual. Décennale insurance is compulsory for building work, so check that every activity you carry out is named on the MAAF certificate and compare the cover limits and deductibles with other décennale quotes.
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
Typical France pricing
Quote-based; no public prices confirmed.
Why this matters for France trades
Since 1 September 2026 every French business must be able to receive B2B e-invoices through a plateforme agréée registered by the State (CGI art. 289 bis), and PME, TPE and micro-entreprises must issue them by 1 September 2027; DGFiP says no sanctions apply in 2026 while businesses adapt. Assurance décennale (Loi Spinetta) must be in place before work starts, and building without it is punishable by 6 months’ imprisonment and/or a 75,000 euro fine, per service-public.fr. TVA on building work on homes is 20% standard, 10% for improvement, transformation, fitting-out and maintenance, and 5.5% for energy renovation, with the reduced rates only for dwellings completed more than two years ago. Clients can only claim MaPrimeRénov’, the éco-PTZ or CEE bonuses if the work is done by an RGE professional. Businesses register through the Guichet des formalités des entreprises, with the CMA advising artisans, and regulated building trades must be carried out or controlled by a qualified person (CAP, BEP or BP, an equivalent RNCP title, or three years’ experience).
French artisan (bâtiment) vendor selection is shaped by facturation électronique (every business must be able to receive e-invoices through a plateforme agréée since 1 September 2026, and PME, TPE and micro-entreprises must issue them by 1 September 2027), compulsory assurance décennale taken out before work starts, multi-rate TVA (20%, 10% and 5.5%), the RGE label that homeowner clients need to claim energy-renovation aid, and the micro-entrepreneur regime with its turnover ceilings and VAT franchise.
Frequently asked
Is MAAF Pro a good fit for France trades?
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. Convenient if you want professional and personal cover from one French mutual. Décennale insurance is compulsory for building work, so check that every activity you carry out is named on the MAAF certificate and compare the cover limits and deductibles with other décennale quotes.
What does MAAF Pro cost in France?
Quote-based; no public prices confirmed. Pricing and availability can change by region; confirm current France pricing on the vendor's site before committing.