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MAAF Pro BTP: presentation, guarantees and limits in 2026
MAAF Pro BTP is a professional insurance offer designed for companies and craftsmen in the building and public works sector. It falls into the pro insurance category by offering cover tailored to the specific risks of the building and civil engineering sector, such as professional civil liability and ten-year cover. This fact sheet presents the main coverages, contractual limits, profiles for which the offer is relevant, and a practical comparison with other solutions in the same category. The content aims to provide a clear, usable summary to assess the suitability of the offer to professional needs.
Feedback on MAAF Pro BTP
Common usage observed among policyholders: contract chosen by craftsmen, small businesses and subcontractors carrying out residential or tertiary work. Frequently used for civil liability and ten-year guarantee coverage. Identified strong point: specific BTP coverage integrated into modular formulas, making it easier to comply on current worksites.
Relevant contexts: particularly suited to profiles exposed to technical risks and work with decennial obligations, such as masons, roofers and electricians working on new builds or heavy renovations. Also suitable for companies seeking centralized management of policies and claims relating to the worksite.
Limits and irritants reported: sometimes lengthy processing times for technical files, depending on the complexity of the claims, deductibles applicable to certain items and contractual exclusions for high-risk work without specific cover. Underwriting clauses to be checked on work exposed to exceptional risks.
When should I subscribe to MAAF Pro BTP?
MAAF Pro BTP meets the need for financial protection against damage to third parties, property and structures during and after construction work. In particular, the offer covers professional civil liability, the ten-year guarantee for construction operations subject to this legal obligation, and guarantees for operating losses or property damage, depending on the formulas chosen. Main objective: to secure professional activity in the face of technical and legal risks specific to the building and civil engineering sector.
Profiles for which the offer is relevant: independent craftsmen working on residential sites (typical use: ten-year contract for construction work), small renovation companies working on housing and premises (typical use: operating liability and damage to works), public works companies carrying out more complex works (typical use: cover adapted to public contracts). Also relevant for subcontractors requiring proof of insurance to respond to calls for tender.
Strong point linked to suitability: coherence between standardized cover and specific BTP modules enabling the level of cover to be adjusted according to the nature of the worksites and the risk profile, facilitating regulatory and contractual compliance for those involved in the sector.
Easy to underwrite and manage with MAAF Pro BTP
Positioning for first-time buyers: moderate level of complexity. Subscription generally requiring technical and administrative documents such as extract Kbis or notice of situation, description of activities, projected sales and list of desired guarantees. For contracts involving the ten-year guarantee, proof of professional qualification and worksite references may be required.
Elements facilitating underwriting and day-to-day management:
- quote online or via advisor
- insured space accessible on the site
- mobile application to consult documents and contacts
- accompaniment by network of partner agencies and brokers
- claims management via teleprocedure or dedicated contact
MAAF Pro BTP rates and packages
Formule Essentielle - guide price: from €30/month. Main coverages: professional civil liability, limited legal protection, basic property damage coverage. Profiles concerned: novice craftsmen and small teams carrying out low-value jobs or one-off interventions.
Comfort Package - guide price: approx. €45/month. Main warranties: extended professional liability, ten-year warranty for relevant work, optional structural damage and protection against business interruption. Profiles concerned: SMEs in the building and civil engineering sector and self-employed contractors with regular worksites requiring ten-year coverage.
Premium formula - guide price: from €80/month. Key features: all-risk worksite coverage available, extended ten-year warranty, enhanced legal protection, recourse coverage and technical assistance, options for subcontracting. Profiles concerned: companies carrying out complex works or public contracts, and companies exposed to claims with a high financial impact.
Key MAAF Pro BTP guarantees
Professional civil liability (RC Pro): cover for damage caused to third parties as a result of professional activities, including bodily injury, property damage and consequential loss. How it works: compensation for claims up to contractual ceilings after deductibles have been taken into account. Examples of items covered:
- damage caused on a building site to third parties
- errors of workmanship resulting in financial loss
- consecutive damage linked to faulty workmanship
Decennial warranty: compulsory warranty for construction work covering defects and damage compromising the soundness of the structure or rendering it unfit for its intended use for ten years after acceptance. How it works: coverage for necessary repairs, subject to policy conditions and exclusions, triggered by a claim report following expert appraisal. This coverage is primarily aimed at builders, prime contractors and subcontractors affected by the legislation.
Optional and complementary guarantees: options designed to cover specific needs not included as standard, such as guarantee extensions for high-risk work, all-risk worksite insurance (TRC), deductible buy-back or reduction, technical assistance, and extended legal protection. These options make it possible to adapt the contract to complex worksites or specific contractual obligations.
Interest in options according to profiles:
- companies working on large sites: interest in the all-risks worksite option and coverage for recourse
- subcontractors: subcontractor civil liability option and territorial extension
- artisans carrying out one-off interventions: deductible buy-back and technical assistance to reduce the financial impact of claims
Ce que MAAF Pro BTP ne couvre pas
Exclusions and contractual limits: frequent exclusions for damage resulting from undeclared activities, work carried out without compliance with current standards, claims caused intentionally or due to natural disasters without declaration and specific coverage. Coverage ceilings and deductibles apply depending on the plan, as do waiting periods for certain types of coverage.
Alternative insurance to consider: for needs that are not covered or are insufficiently covered, you may wish to take out specialized policies such as workshop insurance, machinery fleet insurance or coverage dedicated to environmental risks and pollution. These specialized solutions may be offered by other insurers or specialized brokers.
Summary of compromises to be accepted: choice between level of coverage and cost, acceptance of deductibles on certain items and verification of exclusions linked to high-risk work. It's important to read general conditions carefully, and to ask for extensions for situations not covered by default.
FAQS
Is it reliable and secure?
Reliability and compliance: MAAF is a historic insurer with an established presence in the French market. Compliance element: approval by supervisory authorities and compliance with prudential rules. Key security and compliance points:
- accreditation and supervision by the ACPR
- compliance with European solvency standards (Solvency II)
- personal data protection measures compliant with the RGPD
Is it compatible with my other tools?
Subscription methods and compatibilities: subscription possible in branch, by telephone, via partner brokers and sometimes online, depending on the nature of the contract. Compatibility with other schemes: possibility of linking with group contracts, business-specific supplementary policies or conventions such as the AERAS agreement for risk management during loans.
Compatible channels and systems:
- in-branch underwriting
- telephone underwriting
- via broker
- online insured space and mobile application
Is there responsive customer support?
Customer service and terms and conditions: customer service available by phone and in branch, with variable opening hours depending on location. Claims processing times vary according to technical complexity and the need for expert appraisals. Level of support: possibility of having a dedicated advisor or a contact person via the branch network and partner brokers.
Contact channels available:
- telephone
- physical agency
- online customer space
- mobile application
What do other users think?
Summary of policyholder feedback: recurring positive trends concerning the clarity of BTP offers and the availability of formulas tailored to professionals. Frequent criticisms: processing times on complex technical cases and deductible amounts deemed high by some policyholders. Observed trends:
- Positive points: good adaptation to the trade, modular offers, branch network
- Negative points: delays for expert appraisals, deductibles and exclusions on high-risk work
Can I easily change later?
Cancellation and change of insurer: cancellation options governed by current legislation, in particular the Hamon law for infra-annual cancellation after 12 months of contract and other provisions such as the Châtel law for notice periods. Notice periods and conditions vary according to the nature of the contract and special clauses. Transfer and portability of the contract to be managed via the new insurer and the procedures laid down.
Alternatives by need:
- for heavy worksite coverage: specialized worksite all-risks insurance
- for machinery fleet: fleet and equipment insurance
- for environmental risks: pollution and environmental civil liability cover
Alternatives
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Specializing in business creation, sales and digital marketing, he puts his expertise at the service of users to help them identify the solutions best suited to their needs. Passionate about digital innovation and optimizing online performance, Alexis is committed to providing detailed, transparent and unbiased comparisons.
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